Arrears

Edinburghlass_2

Can you please read this rule regarding copyright when posting from other websites.

http://forums.moneysavingexpert.com/showpost.html?p=3477005&postcount=9

mute_posting

CSA_DEBT_OFFICER wrote: »

http://csa.gov.uk/en/about/action-we-can-take.asp
http://csa.gov.uk/en/about/case-studies/case-study-1.asp

That's not really what I meant - I meant the section of the relevant LEGISLATION.

AFAIK the "40%" bit is laid down in legislation, I'm trying to work out where the "2 year" bit is laid down.

MP

Sensemaya

mute_posting wrote: »

That's not really what I meant - I meant the section of the relevant LEGISLATION.

AFAIK the "40%" bit is laid down in legislation, I'm trying to work out where the "2 year" bit is laid down.

MP

It's because it does not exist! Staff have merely been told by those on Mount Parnassus to implement this time-scale

pd001

kelloggs36 wrote: »

If you have no ongoing liability for maintenance and only have arrears then you are in a good negotiating position. Ideally they want the arrears paid within 2 years (although they can't legally enforce this but they will try and tell you it is law). If you can do this, then you will be fine. Otherwise, the max is 40% of your net income, so in your case it would be £60 per week, which in a month is £260 which does leave you enough to pay your rent.

You have quoted the 40% rule a couple of times in this thread so how come they are taking nearly 50% of my GROSS pay? You have asked a couple of time which system am I on. Does it Matter?
I cannot get any sense out of them and i have written to them to try and get them to lower my payments to 40% of my net income. NOTHING

jacklink

apparently they can only take 40% max, i would contact

https://www.nacsa.co.uk

for help with this issue, im sorry i dont know too much about it, only know a few things from a friend going through csa problems.

kelloggs36

The 40% is in respect of your NET income, not gross. When was the last assessment carried out? It may be that their figures are based on an old assessment and so are out of date - but they will still stand legally until you inform them of a change in your income. If you are on CS1 then it is slightly different than if you are on CS2 as on CS2 they can take up to 40% of your net income only, but under CS1 provided that they leave you with your protected income, then the rest is available to be taken.

NACSA_CHAIR

Actually, the legislation has changed again, and no specific figure is mentioned now...only "amounts not to exceed a prescribed amount" comment....obvious steps in place to turn the thumbscrews a little more

pd001

pd001 wrote: »

Remember its all arrears.
Conversion of an IMA was completed in March of this year. CSA has decided that my protected earnings are just short of £350.00 per month. I only take home about £650.00 per month (well I did before the DEO). The DEO is for just over £350.00 per month....so basically I am left with £350.00 per month. As I have said my rent is £260.00 per month, so I am left with £90.00 per month to get to work, food and all the usual stuff.
If I let the state look after me and at this rate I will have to, I won't be ANY worse off because I wont need my bangor to get to work and I ll end up with my rent paid and about £60.00 per week in my pocket. Result!

Update 27 july
i am on cs1 cos they have advised me of an amout that i must be left to live on
I cannot afford to pay my rent so i have had to leave. That means an extra £260.00 to add to the £90.00 i already had which means i have a grand total of £350.00 per month to live on. Not too bad when you are not paying rent
i am now living in my car, and relying on a small camping cooker to boil water. I have to use takeaways for most of my hot food. i sleep in my car.
this situation cannot continue and i have had final warnings from work.
what a joke and it aint me who is laughing i am homeless but i have been here before

kelloggs36

pd, you are supposed to have your rent left over to live plus some more - the most they could take in respect of CS1 assessments was 30% leaving you with 70% of your income on which to live (not including arrears though). Do you want to PM me with some details and I will see if I can help?

steve9uk

I was on the old scheme (cs1) i owe arrears (in dispute)
I was told to pay £453 a month for x amount of years.
I'm now remortgaging my home to cover the arrears and mainly to get these incompotent people off my backs.

Only people that gain from the csa are the csa themselfes!!!! stealth tax i think its called.