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Hi All,
My ex and I are going through CMA. The case was opened by the ex last month.
However after they sent the calc details it appears that are using the HMRC details from my last P60 of April last year.
The thing is that this is inaccurate for two reasons.
1.
I lost my old job in February, and only started new job in June. My current salary is less than my previous salary by less than 25%.
However...
2.
I currently pay 20% of my current salary towards pension contributions.
Now... I have used the CMA online calculator
(under CSA3 rules), to calculate what I would pay if considering what I currently earn.
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/260890/how-we-work-out-child-maintenance.pdf
This would reduce my monthly payment by about £90.
********************
This would mean a great difference to me, as it would mean that I can continue to but this money towards clearing my depts.
Is there any way that I can convince the CSA/CMA to use my current salary (perhaps by producing confirmation of salary from employer, all payslips etc)?
If they insist on using HMRC information from, then I will be overpaying for the next 12 months, as they will then only recalculate after 12 months?
Many thanks in advance to anyone who can help me.
Hi, yes if your current salary is less than 25% they will adjust it, it doesn't matter of it includes 20% pension it's still 25% less
You will need to call them and tell them and ask what evidence they need
Sorry Huxley, I think you misunderstood slightly.
I said ".... My current salary is less than my previous salary by less than 25%.
But if pension contributions are taken into consideration, then the difference in gross IS close, since I make 20% pension contribution.
Can I make a complaint (since this is the initial first calculation for this case) and insist that they use my actual gross salary from my current job for calculations?
Since this is the first calculation for this case (I've never been involved with the csa), can I insist on them considering current information rather than historical and inaccurate information?
Many thanks.
I'm a bit lost 8)
Your earnings this year have to be 25% less than your P60 they have used
What % are your wages going to be exactly less than April 2013 P60
My CM contributions are still being assessed for the first time (as I am a new case).
I have been told that I have 20 days to appeal the figures (which were worked out from HMRC info).
This is not an annual review. It is the first calculation ever.
However this future is inaccurate, as I lost my previous job in February and started a new job in June.
New gross works out as 20%(when pension contributions are considered) less than what CMS have used for my calculations.
This means that I am charged 90 more per month than I would if my real current gross was used.
Is there anyway that I can get/convince the CMS to use info from my employers or payslip to calculate?
The £90 per month would go a long way towards costs of activities and things when I have my kids.
Thanks.
Oh dear!
The difference in gross will be £5000. The difference of just over £90 per month would go quite a way towards paying off the joint dept which I am now left with.
The system does seem rather unsympathetic towards the NRP doesn't it?
I mean.. If I go bankrupt and unemployed (because of the term of my job in financial services) how does that help the kids?
Well, enough whinging about this... Time to try to strap ones belt up and move on.
Thanks for your prompt and precise info.
Yes I agree it's very wrong, it should be more like 10% difference or even more fair any difference should be reassessed!!
They do account for any debts you are paying off that accrued when you were together, have you looked into that
Yes I shall look into this, but I guess the problem would be proving that CC debts were for joint spending.
I suppose I could get the CC bill for the holidays trip tone considered, as I can prove that although I paid for this, only the ex and the kids went on the trip?
I think it has to be joint debts, is the cc also in her name?
I'm not sure if they include credit cards - I think the problem is that it can be hard to show what the debt if for if the card has been used all of the time. If it was used only for a specific purchase, and nothing else, it would be worth arguing the point though.
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