[Solved] My payment direct debit...what shall i do?

Personally I think it depends on how badly you need the cash, and the state of the relationship with your ex. I had same dilemma but decided that for the extra money to make the full amount, it wasnt worth the angst potentially caused. So she probably saw it as a pleasant surprise rather than an act of aggression. It didnt stop her behaving erratically and awfully after that though, so not sure what it achieved 🙂

If the money is substantial to you though, I suggest amending the standing order(is it this rather than DD?) to reflect the correct amount for September and do not recommend doing anything with cash - they can deny they had it.

hi,

so do cms want you to pay on 1st sep? i think you should let the debit go through on 1 sep. then cancel it a few days later.

Hi,

Could you do payment x 12 divide by 52 and just pay that?

I'm sure if your ex disputes or CMS have an issue they will let you know and you just pay any arrears which should just be a small amount anyway.

Thanks

I've actually managed to get through to CMS on the phone.
The guy i spoke to said it depends on whether my account is paid in advance or in arrears.
We use the Direct Pay scheme.
Does anyone know if the Direct Pay scheme is in advance or arrears?
i.e, for advance the August payment would be for August
for arrears the September payment would be for August.

Thanks

If you cancel the d/d, they'll come after you for arrears if it is owing, but since this is the final payment, they can't move you onto collect and pay. What I definitely would not do is to cancel it and then pay cash to your ex - as far as CMS are concerned, you won't have paid the money to her, so potentially you could end up paying twice.

I've actually managed to get through to CMS on the phone.
The guy i spoke to said it depends on whether my account is paid in advance or in arrears.
We use the Direct Pay scheme.
Does anyone know if the Direct Pay scheme is in advance or arrears?
i.e, for advance the August payment would be for August
for arrears the September payment would be for August.

Thanks

that silly person should have been able to tell you if you owe any arrears and exactly when your last payment will be. when i signed up i told them i want to pay on 25th of each month. so in theory my payments would cover the next month in advance. some arrears built up and they include it in my monthly payments.

i'll give them another call tomorrow....which means being on hold for another hour !