Separated in May and now struggling!!!!

Ms_Chocaholic

This is the link you need for the child maintenance calculator
https://www.gov.uk/calculate-your-child-maintenance

Sambella - you need to remove the link as it includes your own personal details (I assume) - I will PM you too so you see it.

Pixie5740

stumac1980 wrote: »

I am going to have to seriously think about changing my car, then i can stop both payments. i am only paying the credit card till the car is paid off then i was stopping. My child maintenance is paid mutually and not through CMS. Would it work out that if i did speak to the CMS that they would take into account the other payments that i have been making.

No CMS will not take I to account the other payments, they are not priority bills, however child support is a priority bill. Use the link above to calculate how much child maintenance CMS expect you to pay.

If you are struggling to make ends meet complete a statement of affairs and head over to the Debt Free Wannabe board for advice.

http://www.stoozing.com/calculator/soa.php

Sambella

If you pay maintenance outside CMS rules then the calculator is a guide only and it’s up to you and your ex to agree what is paid so if you are paying an agreed amount that’s ok.

If however she or you go to CMS then you have to pay calculated rates which will be either the same, more or less than you are paying now.

unholyangel

I think OP is forgetting that just because he is not legally liable to the finance companies, it does not mean he is not legally liable for the debt. Just the chain would see the finance company recovering from the FIL/MIL and the MIL/FIL recovering from OP. OP can't exactly turn around and claim it was a gift when he has a history of making regular payments to them. Especially if the amounts tie in with what was due under the finance agreements.