When Your Financial Situation Changes
Your income might increase through a promotion or new job, or it could drop suddenly if you face redundancy or reduced hours. Either way, if you pay child maintenance through the Child Maintenance Service (CMS), your payments will need to reflect your current circumstances.
Your maintenance amount is based on your gross income, and when that income changes significantly, your payments should change too. The CMS uses HMRC data to verify your earnings when changes are reported or suspected, rather than receiving automatic annual updates.
Reporting a change in circumstances is straightforward. You can do this by contacting the CMS directly, and they will reassess your case. The system aims to adjust payments based on what you actually earn, though bureaucratic delays can sometimes occur. If you want a rough idea of what you might pay after a change, online calculators can give you an estimate, though the official calculation may differ.
Find out how much child maintenance you should pay or receive. Takes less than a minute.
Try our Child Maintenance Calculator free, here on this site →What Happens if You Lose Your Job
Redundancy or job loss affects your ability to pay child maintenance. The CMS will recalculate your payments when your income drops.
If you move onto certain means tested benefits such as income based Jobseeker's Allowance with no other income, you will usually pay a flat rate. This is a fixed weekly amount rather than a percentage of earnings. Not all Universal Credit claimants will pay this flat rate, as it depends on your overall income. The exact figure is set by the government and can change, so check the child maintenance section on GOV.UK for the current rate.
Report your job loss to the CMS as soon as possible. Continuing to pay at your previous rate when you cannot afford it will cause problems. The CMS can backdate changes in some situations, but this is not guaranteed, so prompt reporting protects you.
Keep records of your redundancy notice, your benefit claim, and any correspondence with the CMS. If there are any disputes later about when your circumstances changed, having documentation will support your case.
Your situation may be slightly different. ask a question below ↓ and our editorial team will reply with our advice.
When Your Income Increases
If you get a new job or a significant pay rise, your maintenance amount may be adjusted when the CMS next reviews your case or when a change is reported.
The receiving parent can request a review if they believe your income has increased substantially. The CMS will then check your current earnings and recalculate if the increase meets their threshold. Generally, the change needs to result in a difference of at least 25% from the current calculation before the CMS will reassess. For the specific figures and current thresholds, search for "child maintenance calculation" on GOV.UK.
It is advisable to report income changes promptly. If your payments are set too low because of outdated information, arrears can build up once the CMS catches up with your actual earnings. These arrears will still need to be paid, and the CMS has several enforcement powers available to recover unpaid maintenance. These include deduction from earnings orders, where your employer takes payments directly from your wages, as well as deductions from bank accounts and, in serious cases, court action that can lead to driving licence removal or imprisonment.
Requesting a Reassessment
Either parent can ask the CMS to look at a case again when circumstances change. This includes changes to income, but also other factors such as the number of nights your children stay with you, or changes to how many children the calculation covers.
To request a reassessment, contact the CMS and explain what has changed. They will ask for evidence depending on the type of change. For income related adjustments, they will usually verify your earnings through HMRC records, though they may ask for payslips, P60s, tax returns for self employed income, or bank statements in some cases. Having three months of payslips available and your most recent P60 will cover most situations.
The CMS will not reassess every small change. The threshold generally requires either a 25% change in income or a change that would alter the weekly payment by a specified minimum amount.
If you disagree with a CMS decision, you have the right to challenge it through their mandatory reconsideration process and, if still unsatisfied, appeal to a tribunal. This is worth knowing if you believe they have made an error in calculating your income or applying the rules.
The system works best when both parents communicate changes promptly and the CMS has accurate information. Consider setting a reminder to review your maintenance situation whenever you have a significant change at work, whether that is a new role, a pay rise, reduced hours, or redundancy.
I just want to know if it’s obliged that I pay last months back out of interest. I obviously don’t mind as the money helps with the day to day care of our daughter.
I have not been able to have contact with my 2 children for 4 years now now aged 14 and 16. I tried going down the legal route, However she has poisoned the children to the point where when asked they have said they do not want anything to do with me. My ex wife has told me they don't even call me dad anymore. the surnames have been changed so that i have no association with them. I love and think about my children every single day. This has left me heartbroken. I have always looked after my children and have continued to pay for them every month. Up to now I have given her over £19000.00 in 4 years yet i have not even had the opportunity to even get a school photo? I bought them phones, she took the sim cards out? what can i do???
I’ve recently just started paying child maintenance using direct pay. At this moment in time my payments are in credit (paid more than agreed). CMS seem unhappy regarding this as the payments aren’t on a set date. Do they need to be on a set date or can I just pay and ensure the payments are in credit as and when I can afford the payments at any random dates?
My wife and I have separated and living in different houses and waiting for the divorce to go through. We did agree a 50/50 split with our 14 year old son, but since the split he’s wanted to live with me. So we’ve agreed he stays with me in the week and my wife has him at weekends for 2 nights and 1 night on alternate weekends. My wife is asking for the maintenance payments still to be made based on the 50/50 split. Do I still have to pay the maintenance as I’m now the main career and she’s still receiving the child allowance and family tax credit..?
Collage 4 days aweek. Does her dad still have to pay maintenance.
our situation is the same, my husband however pays £83 per week. I his wife don't have a job as we have 4 small children 2 which don't start school for another year. We've been paying for the child he never is aloud to see for 10 years now.
My husband got a better job, they took double! So my advice don't work yourself down it's not worth it. Csa only class as having 3 kids and not 4.
I have simple now stated to my husband he quit I work. Then he hasn't got money to pay her, and my wages can't be taken. Have a think.
Where the hell does my son stand with this
I pay child maintenance for my 2 children with my ex wife. We do not see eye to eye and therefore do not communicate. She has been convicted of fraud and therefore do not trust a word she says.
My questions are -
when do i stop paying csa?
Do CSA do any background checks to make sure that the Child/children over 16 are working, incase the parent receiving the money does not declare it?
My concern is due to my ex wife's conviction i do not feel she will declare they are working, any help would be appreciated.
I would rather give my daughter the money,
Says i can stop payments unless she goes into further education so again what exactly is this?
My ex partner out of the blue contacted me and told me that she's back in college doing her math and English and she's doing a Level 3. But she has not provided me with any proof of her level 3. The way I understand it 12 hours more in college warrants a full-time course so math and English is not considered as full-time.
I have two questions first one is can the college refuse me information about my daughter attendance and my ex partner does she have to give me proof that our child is in fulltime education.
Since my son was 13 he has split his time equally with both his parents . However his mother still maintained her claim with the CMS and refused to come to a more balanced arrangement given the new circumstances. Originally the CMS stated that as my sons mother had a child benefit claim in place and in their eyes that entitled her to maintain a CM claim . I objected to this and challenged the legality of their decision as it is my understanding that CB is now income related and CM are not allowed to base their decisions on factors associated to income, and if necessary I would argue that point in court as a test case.
After much discussion, deliberation and refusal to accept the unfair situation to uphold her claim I’m glad to say that the CMS Have come to the decision that both patents are equal and provide equal care and have now finally rejected my sons mothers claim for CM and written off the past 2.5 years of alleged arrears that accrued while arguing the case.
I don’t know if anyone else has found themselves in a similar situation I just hope the information might be of help to someone .
I have a friend after advice. His daughter is now 30 but he's paying £100 month to his ex wife for maintenance? Is this right apparently the Csa back when she was younger had some sort of order. Is this still enforceable?
The CSA recently slapped my partner with the back dated payments from June to March and also calculated his earnings from his tax code, they don’t take into account his basic earnings they have gone of his earnings with overtime on. We sent them proof of everything in regards to her not wanting payment and agreeing and all the emails back and forth as evidence. CMS said this has to come from the mother and now my partner has to pay 476 a month for a child he’s not allowed to see and a monthly income he doesn’t actually earn.
He’s not looking at quitting his job and working bare minimium as he would be better off.
Planning for divorce settlement and am wondering if she chose to ‘chase me’ via the csa as she believed I’d been underpaying her, would the csa take my previous payments into account - ie if I have been paying more than they would have expected me to would that reduce any future payments if they were to start setting them?
M husband has a 19 year old daughter,hes never had contact with her,he only found she was his when she 11.The relationship between him and the girls mother isnt really that good.Anyway hes been paying maintenance I just want to know will he be inform when to stop paying or does he have to count on the mother to tell him.
She finishes her college course this year.
I'm worried because I know she won't tell him when to stop paying.
Thankyoh
Thanks in advance
The problem we've got is that his work are still paying the money straight from his wages as per the csa instructions and are saying they've not been told to stop. Csa are saying they've stopped it their end. The money is still being paid SOMEWHERE. we don't have it. It's not been paid to his daughters mum and csa say they don't have it either.
His ex is now missing 2 months money and we're doing everything we can 2 try and stop any more payments so we can pay her directly instead. Nothing seems to be happening and nobody can help us get her money back! She's now 300 short and it's so unfair! We want her to have her payments is there anything else we can do???
Should there be any problems through the CMA with this?
I have always paid my way on time etc although she has said otherwise but I have always proven her wrong.
Any advice would be greatly appreciated!
My brother has been paying child maintenance the last year based on a wage he no longer earns, tax year 2014/2015. He has just had his review through and the amount will remain the same, but still His wage is 10000 less to what he earns on the tax year they are now looking at 2015/2016. I understand this cannot change as the change in his wage is not below or above the 25% threshold but can i ask how is this fair that he is paying for two years on a wage that is so much less than what they CMS are looking at?
I have agreed the new costs with CMS, however, CSA have now said I owe arrears of £1500 for the last 5.5 months as I had not seen my Son, how can this be acceptable when false allegations where made up to prevent me seeing my Son & the fact I've spent a vast amount of money trying to see my Son again?? I have a debt now as a result of the court costs and cannot afford these arrears. Key question is why have the arrears only just been highlighted 6 months later???
I have been paying for my child, until i was made redundant in 2009 at which point i was on JSA. I called the CSA and told them about my situation and apparently i thought that was it, they would deduct £5.00 per week. I found employment 18-24 months later, fast forward today and they have contacted me saying I had to pay full maintenance for that period, which i think is totally unfair. The mother knows that i was unemployed and I have the evidence to prove it but the CSA don't care and want to collect 10k. What can i do, I've spoken to the CSA but their are not interested.
I'm the daughter of someone who has never paid for me or sister consistently. He is a self made millionaire, lives in a million pound home along with his wife and two other children. The CSA have done nothing because they can do nothing, he abuses the system and the government does nothing about it. I feel my sisters rights and my own have been taken away from us. I would like to personally challenge the government over the new system that they have put in place, which can do absolutely nothing unless you work. My deadbeat father works for himself, everything he owns he puts it into his company name. He constantly reinvests his money so that he doesn't pay his taxes properly etc. Meanwhile, my half siblings get a private education, full access to my deadbeat dad etc...How is this fair? He is supposed to pay £8 pw and has failed to do this for the past 2 yrs and my mother can do nothing!
CSA say I should be paying £100p/w. Want to know if 1st mother claims would 2nd mothers amount go down? Bear in mind I am not seeing 2nd child at the moment and she won't allow the child to meet my partner and child
If the 1st child's mum went to CSA would the amount of money I have to pay go down??
Bear in mind I'm having no contact with 2nd child as mother won't let me and won't let my partner meet the child
this is a response to the below postin:
anonoymous - 30-Aug-16 @ 10:35 PM
I see that your upset and angry but this site is for fathers that have had a raw deal, and yes there are alot of absent fathers but there are also alot of women who completely and blatantly abuse the fact that they can use the children as bargaining tools and leverage againt fathers, some of whom HAD to leave the relationship because the woman was impossible to deal with. granted this is a smaller majority however its true. There are plenty of good men who suffer at the hands of these women and its hard for men to speak out about this because they feel ashamed and feel powerless because the law sits on the mothers side, so please lady, next time approach this subject matter with a little bit of tact and not plaster your opinion on a site for fathers who need help.
Good day to you.
I understand what they're saying, however the calculation of me paying 240/ month was 2014/2015 tax tear where I did earn 24k but in 2015/2016 tax year I'd have been lucky to have made 16k and this year I've had to take unpaid leave for 2 months due to an ill parent therefore be lucky in this tax year to make 18k.
Is there anything you think I can do?
I know I made all the payments but I can't prove to them I did because my bank only holds information for the last 7 years. All payments were done via the bank...help and advise please !
My understanding is that my payments will change to zero once csa (or whatever they are called these days) complete their calculation.
Surely this can't happen? It's not accurate I don't earn that much anymore and it's not my fault if the tax office didn't give them
Anything I even offered to provide it they said no too late ????!! This is plain wrong
Is this correct? If so this means he will be bringing home half the wages but still paying the full amount of money to his ex - which means we won't be able to pay other bills for those 2-3 months. How can this be fair? He will be working set hours and is paid hourly so we could easily work out his new earnings in advance so that they can recalculate his payments in time to take effect from his first part time wage slip. Any idea why they won't do this?
I just don't see how it's fair that we will end up with no
Money for Christmas gifts this year for our two kids because he has to pay his ex an unfair amount for two months while they sort things out. He doesn't even get chance to see the children in question and isn't on the birth certificate which means the whole thing is even more frustrating as he essentially as no rights it seems!
My ex got convicted of common assault.
This then lead to social services getting involved. After all said and done my ex is the one that as ended up with parental responsibility and therefore as taken me to the cleaners for £204 every month. My daughter as just recently turned one. I am an hardworking man and go out to work to earn a living. Where as my ex sits on her backside all day an gets everything paid, especially the £204 she gets off me everymonth. After contacting the csa to express my anger on the figure they quoted I am told there's nothing I can do it's what the mother say's that they listen to. It's absolutely bang out order the way this system works. Back in January of this year me and my ex came to an arrangement that I pay £125 everymonth, which she was more than happy to accept. But until recently she as got a bee in her bonnet and decided to ring the csa and tell them I've been underpaying her since January, After speaking to them again they take her side of the story and tell me I should pay her £204 everymonth. Now she's talking about ringing them and claiming for back pay since January.
Would appreciate feedback on this please.
He's not an active dad either. Doesn't bother with being in he's sons life which makes it even worse tbh.
Anyway, my question is if I don't get paid holiday pay (because I haven't been in the job long) can I drop my CSA payment for the week that I have my kids? or is the CSA based on the overall year, with holidays taken into account, as declared by myself via the number of nights at my house at the self calculation process?
Thanks
Do i still pay same amount if he does a part time job of 8 hours a week ?
Thank you
Thank you.
After loosing everything. I was paying until now what shall I do from now as I don't have job and I'm moving abroad trying to get new life and job ?
Can you please help.me with what I can do ?
Thanks.
Kind Regards.
All the CS stopped and we moved on, well that's what I thought until today!
The CSA have contacted me chasing £2725 owed to the state, how can I owe the state if I paid my ex partner in the first place? Do you pay your partner and the state? Apparently she was in receipt of benefits for a short while so I have to pay it back!!
How can I have to pay her and the CSA?
I have tried to speak to them but I don't think I have ever come across a government agency so un organised, and don't get started how rude both ladies I spoke to were.
I have had my hrs at work cut to a pathetic 16 a week and I'm struggling big time and this debt will finish me off.
Please help!!
You can see more via the gov.uk link here which will tell you all you need to know. I hope this helps answer your question.SeparatedDads - 29-Jan-16 @ 10:58 AM
I've looked on the gov.uk site before. It DOESN'T tell you everything you need to know like my question about a pay increase, yet YOU published the article. So where did you find the information about a £10 pay increase if they don't want you to find these things out?
Can I ask about the above published article?
I'm on the 2003 scheme and have been paying CSA for my two girls for years now. I've had pay increases of less than £10 per week over the years. I've always informed the CSA about them and they have increased my payments accordingly. So my question is, when you state, "Where the new circumstances mean the amount of support will alter by £10 a week or more, then they’ll also re-open the case", Iis this definitely the case? Otherwise they've been conning me for years! Is it + or - up to £10 of Nett pay only, and can they touch my new workforce pension that's just coming into force?
I look forward to your advice.
Thanks in advance.
Since then I've had Csa on my back I didn't pay because I didn't have the means to pay it
I was given a liable action and I agreed to pay it was 140 to 185 a month
I paid 14 payments and I asked Csa to set up a direct payment plan which they did
The mother took the money but refused to accept and now I will lose £250 for ex amount of months
I'm on a low wage struggling to pay my bills an debts an cost of having my children
The mother has moved twice without informing of her new address
Went to Disney world with the kids
And bought their passports
Without my knowledge
I've taken her to mediation which she refused to attend now I've taken her to court again
I've mad out to be a criminal because I don't have the means to pay a quarter of my wage to Csa
And there charges
I feel that it's not about children is about making money out of me
Threats of stealing my home my licence prison
When the mother claims benefits housing working tax family an child support
?
In September I received a letter from the new scheme and after they saw I was a house husband with nil income I was told I had nil maintenance to pay. Then a week after this I get aetter to say I owe £9968 in arrears on the old CSA scheme,.
I phoned and asked how they came to this figure to be told she didn't know.
Please explain? I've earned nothing in 15 years and I have never been told to pay anything.
I have heard so many different answers to this question and now I am wondering if anyone can help me...
I am on income support and I was told once I receive financial help from my ex i will see by benefits cut.
This doesn't make any sense to me but I just need to know if this information is accurate or not.
Many thanks,
£53 aweek is so much. Plus she lives with her partner with her two children and his. Does she have to declare she getting money from csa? .
She not working but she told someone that she get money for her children and his and he works full
Time.
Soo confused. Struggling with money.
I have been reading a lot about the CSA around this and I hand on heart didn't realise I was suppose to tell them when I had pay rises at work and also changed jobs (several of both since the case opened)
Now the case is closed it is with a specialist team apparently working out how much I am owed - i'm guessing they will see my earnings somewhere and actually work out I owe money? Im really worried im now going to owe a shed load of money or because the case is closed will this not be the case?
Thanks.
I'm claiming off my dsughter now under the new child maintance services bug has yet to make contact with my ex saying she will not answer her phone yet they have her work address number home address and number ?
So 5 months on I'm still paying for my son and daughter my ex is reviewing money for both and I have nothing left to help my daughter living with me because ghetto new agency is failing and I will not get backdated payments because they continue to call her and it seems all she has to do is not answer gnd phone she's laughing and I'm left bewilders and no wear to go just because I'm gnd father with child and nothing gets done ??
Yet when she claimed years back it was sorted in two weeks and £200 + taken out of my wages
They have my wife's works number why are they failing me
Today I received a letter from the CSA stating a new maintenance agreement is needed from February 2016 (a month before my son turns 18). I've no reason to believe I should be receiving any correspondence from the CSA as I've always paid my dues and they were never involved in the first place.
The letter states I can contact them but I feel I will be treated unfairly. Has anyone else experienced this and should I contact them to see what's what?
Can you please help me..I separated from my partner (not wife), four years ago. We have a daughter. I was lucky enough to be in a well paid job. The CSA calculated my payments at the maximum, and then my ex applied for a 'top-up' which we went to court over and ultimately settled on. One year ago nearly I lost my job, I have maintained my payments at this level throughout the year because my redundancy payment qualified as a net income salary etc. However now after a year with no work I can't maintain this level. My ex still wants me to pay at the original level, but as a lump sum which she says she will make last. I have tried to offer am amount - but she maintains I should give her this lump sum. She does not work, and maintains that after four years she now needs this lump sum to enable her to sort herself out. We don't want lawyers as it'll cost, but now she wants to see my bank statements and where the redundancy has gone etc. What are my rights - i can't believe I have to pay at the levels of a plus £115k net take-home when i don't earn a penny. I only want to do what's right, but feel my ex will rather I was left bankrupt, homeless and unable to do anything as long as she maintains her lifestyle without having to work!
she uses allegations of abuse, court orders.and after all that could say you heve hit her and get arrested..what have in reality done..nothing marrage never worked so eirher of you move on.
And what support do you get..naff all.like all the dads net forums..you lot are a joke...
Out of the blue today I received a letter off CMS advising me that my ex has contacted them to arrange payments from me and that based on my income (from info obtained from my ex and HMRC) that my annual payments should be on average £3500. This over 12 months is £680 less than I've just paid for 9 months.
My question is, despite the letter stating these payments will be effective from end of July 2015, can I claim any of my overpayment back from the previous 9 months even though it wasn't through CMS and was a private agreement between myself and my ex?
She is now however telling me that I have to pay support as she is (as always have been since the separation) on full housing benefits and they are cutting her amount. Even though she has a job but opted not to take on more work that is available to her when she does not have our son. As the arrangement stands I pay out for my son, have equal or even more child care responsibilities over certain periods, pick up and drop off my son (even when its her time to see the child), do not claim child benefit or any benefits. I am just looking for advice as i feel this may be unfair and have a job that does allow me to earn enough and also provide personal care for the child if it were to come down to that.
For the last year and 3 months I have been paying my ex partner a set amount of money for my son. I have never missed a payment and this amount we both agreed on.
I received a letter yesterday from the cms, stating that I now should pay these higher amount each month. My ex never contacted regarding this and is now saying just deal with it. If I have never missed a payment can this be done without my knowledge
I was stopped seeing my child, 2 years ago now or more by her mother. She was with new partner and decided that she wanted a family unit. Anyway to cut a long story short, I heard she had moved house but where she moved to i do not know? changed her phone number and online accounts. I have no idea where exactly they are in order to try and find my little one.
Does anyone happen to know, if in this situation should i be still paying reasonably high csa payments, or if i should be paying it at all whilst not able to find or contact my little one?
Thank you..
I pay my csa money every month for my 2 children. My daughter is in full education (college) my question is how many hours a week can my daughter work. The csa informed me she can work as much as she want, I thought there was a limit of 23 hours could anyone advise me accordingly.
My husband had children with his ex wife. It was a volatile split 10+ years ago with her making it impossible for him to see the kids (forcing him to take legal action when he was not financially able to do so). My husband recently got back in touch with his children after his ex wife saying it was now up to the kids.
Up until 3 years ago, my husband was not in a position to pay child maintenance as he was not earning enough. When we got together he managed to get a decent job for a year and is now in another decent job.
The ex wife has been living with her partner for 5+ years and the partner treats the children as his own. They also have a child together. The children's surnames have been changed to match his name, even though the ex's name is still the same (bit strange...)
I recently became pregnant. The ex's partner decided to get very hostile upon hearing this news saying my husband needs to pay up. My husband is of course wanting to pay towards his children and I agree. He has got in touch with his ex directly and asked to come to an arrangement but she demands it goes through csa.
What concerns me is, if the new partner has played dad to them for 5 years and had their names changed to his - is my partner actually responsible for child maintenance payments?
Thank you.
Why should he be forced into paternity without any consultation at all! This is the equivalent of being used as a cash cow to fund a child he did not plan and is unlikely ever to see. His earnings mean he has to live at home with us and still has a large student debt. He can't afford to support himself let alone a child. He is entitled to some legal aid in Germany.
Women can deliberately allow themselves to become pregnant in order to access welfare and benefits. There should be something that allows men to have some say in what goes on! Why should a man be deceived into fathering a child and have to bear the consequences?
Does he have any rights to getting the child full time and the mother only getting part access, as when she is ment to have the child she either sends her to him so she can go party r see her boyfriend or leaves it with is family.
thanks
I'm one of the luckier ones in that my ex and I get on well enough to do this. Had she used the CSA I'd have lost my home as I am on an extremely low wage and could afford to cover both the 'recommended' maintenance costs, and my household bills. Don't get me wrong, I'd pay every penny I have to support my kids, but the fact is my ex and her new partner are far better off than I and didn't need it, so she was - and still is - willing to take a lower amount than I was assessed for.
As things go, though, I have to trust that my kids benefit from this money. I have no way of knowing or seeing what it gets used for. No one does, really. My kids are well dressed and looked after, but does the money I pay go to them or not? I've no way to know. My ex's joint income, with her new partner, is quadruple mine, so she's doing fine. I have to skip meals every second night before a kid's birthday so I can save a few quid to buy presents. Again, I don't mind, I'd give it all to my kids, but point is, do they get it?
Further more the CSA make a reduction for time the kid(s) sleep over with me, but none for the times I see them but don't have them sleep over. This, frankly, is wrong. It costs nothing to sleep. Yet when I have them for the afternoon I have exactly the same expenses to cover - petrol to collect and return them, food, fun, whatever. No allowance is made for that, so again to do it I skip meals (or whatever) myself.
I agree the CSA needs to exist to sort out those absent fathers (or mothers, it cuts both ways) that refuse to pay, but they sure don't help, or care, about ones like me, who want to pay all we can, but are being financially crippled at the same time. Unless, like me, lucky enough to have an ex who will work with me to make sure I don't end up homeless, or worse.
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