Complicated child maintenance situation

AnotherJoe

Ithink you will have to wait for 18 months. Have you tried via mortgage broker to find a lender that will work with this situation? For example, by being able to see a set aside lump sum in your name that is enough to cover that debt.

maxmycardagain

Keep_pedalling wrote: »

The trusted friend must be one who does not mind being party to mortgage fraud, should be single, as you don’t want your money being part of a divorce settlement, needs to be financially sound, as you don’t want your money being used to pay his debts if he runs into financial trouble, and they should also be immortal, as you don’t want you money to be part of his estate should he cut down by a number 77 bus.

quite simple... do it together in the same room/same time in clear view, you/the ex and the 3rd party...

you to me to her

or just hand her cash lovely cash no paper trail

job done

TheGardener

If the child is over 16 years old - you could pay the child instead of the ex ?

droiderm

Yes she is.

Sounds like a reasonable suggestion.
Would you know if that was legal in respect that the OR couldn't do anything about it , and my ex couldn't try to claim maintenance from me anyway ?

MovingForwards

If you have the maintenance money saved already, open up a separate current account and drop the money into it, set up a standing order to pay the money out for the next 15 months.

Speak with a good broker, show you have the money in a different dedicated account, show you have your deposit and associated fees in your savings account and see what they can do for you.

TheGardener

droiderm wrote: »

Yes she is.

Sounds like a reasonable suggestion.
Would you know if that was legal in respect that the OR couldn't do anything about it , and my ex couldn't try to claim maintenance from me anyway ?

Is there a court maintenance order? Do you pay maintenance to keep your ex - or do you pay towards the upkeep of the child - or both?
Without a maintenance court order you can do what you like really. If there is an order then your hands are tied and I would go with the bank account and DD suggestion - if not, I'd make the payment to the child. The parent's bankruptcy would not affect the child unless your ex is a co-signatory on the childs account.

droiderm

There is no order from any court. I only pay for my child.

I might speak to a solicitor, assuming they can help.

Just to get it cleared that:

I can pay my child a lump sum for child maintenance to be completed.
That the OR can question my ex on why it's no longer included in here income and hence IPA.
That my ex or OR can't chase me for any maintenance after the sum has been paid.

It all needs to be Bullet proof I guess. Thanks for the help

droiderm

I can't edit that post for some reason.

It should be "The OR CANT question"...

silvercar

I would have thought that while your child is in education and under 18, maintenance goes to the parent to contribute to the costs of providing for her, rather than to the child.

If you have paid a lump sum, clearly for child maintenance, that would end your obligations. Whether the OR fights your ex for the money or accepts it is child maintenance is between your ex and the OR. Not really your concern. The OR can't chase you for child maintenance.

droiderm

It kind of is my concern.
I don't want a lump sum meant for my child being taken by the OR for creditors.