Hi Guys,
1st post for me, and apologies for how long it will be:
Ready?
A bit about me, I have 2 kids - 1 girl, 1 boy - with different mothers. I'm 24, and I was declared bankrupt in Feb 2013, due to reasons mainly to do with my girls mother.
Anyway I have a few issues so will go through separately.
Issue 1 - Daughters Mother
Right, so, after months of not seeing my daughter properly, she has said I can now see her every Saturday between the hours of 11am-5pm, when she knows I work at least 2 Saturdays a month, sometimes 3. As an example, I'm working this Saturday (which would be the 1st time I would be having my daughter), and I can't change it at all, having only had notice today, however, she will then say that that was my chance, and try and stop me seeing her again.
Secondly, she will and does already try and tell me that I can't do this and I can't do that with her, so I am looking for some kind of information and advice, as I am pretty sure that as I hold parental responsibility, she cannot stop me doing certain things (in this instance, introducing her to my girlfriend) - for which she will try and stop me seeing her again.
I have sent her a letter to say that I wanted her one evening a week after work to start with and take it from there, which is when I have had the situations mentioned above handed to me.
Now, with regards to CSA payments for my daughter, there is a backlog as I have been made redundant out of the last 2 permanent positions I have held, meaning lack of funds, as well as being declared bankrupt, but she has apparantly made a list of everything that i have done or spent money on in her eyes to try and use against me (Stalking me on FB/twitter/etc) - would this stand up in court if she tried to prevent me seeing my daughter? She can't afford to go to court anyway, but she tries to threaten it, but i'm not stupid like she seems to think.
Issue 2 - Sons Mother
Right here is another problem I have, my son was born in May 2011, and me and his mother broke up a few months later, from which point I have never had any contact whatsoever with him, as his mother told me she doesn't want him to know me, she doesn't want any money from me, and she had an affair in the relationship so he probably isn't mine. However, with regards to the CSA, they are now asking for money backdated from him, when I am infact arguing the toss saying that as she has stated this after the relationship has ended, it should be up to her to prove otherwise, because up until that point, I never doubted her at all. I am on his Birth Certificate, but obviously this is because I had no doubt that he was mine, then she dropped that bombshell out. She still maintains that she wants no contact with me ever and no money, yet is still happy for CSA to claim backpay! Money-grabbing *****!
Issue 3 - The CSA
Now, as I have already mentioned, I was declared bankrupt in Feb 2013. The CSA have sent me a letter dated 13/08/13, telling me they have now put in place a deduction of earnings order againt me for the next 12 months at a total cost of £4789.20 (which I have asked for proof of how they worked this out because they have my work history all messed up and I know that for a fact!), because I am working via an agency at the moment they are telling me they will be taking £109.84 for 36 weeks, 109.81 for 1 week, and then 14 of whatever other amount it is.
I don't live at home with parents, as that becomes untenable and there is no space, so I am in a house share with friends.
After tax at the moment, I seem to be picking up between £220-250 a week, and they seem to think that taking £109.84 out of that each week is acceptable for me to live?
If I break it down then over say a 4 week period it would be like this:
Wages (after tax) - £1000ish
Rent -£360
Car Insurance - £40 (£400)
Phone Bill - £40 (£440)
Petrol (for work) - £200 (£640)
CSA - £439.96 (£1079.36)
So this would leave with with absolutely nothing at all to live off, for food, clothing, other essentials?
Where do I stand on this?
I have written to them to explain my position but they haven't replied, and whenever I speak on the phone, all they are is condescending and trying to be arrogant. I mentioned to them many months ago about the financial difficulties I had facing me, but they were just concerned in getting as much out of me as they could. I've now explained that I have gone bankrupt, but they haven't responded.
Things are starting to get worse, and it is all now stressing me out as this has all just dropped on my doorstep in one foul swoop!
What can I do, what advice is there, what can I use, anything??
Any help will be greatly appreciated.
Thank you for taking the time to read it if you got to this point.
Rob
1st post for me, and apologies for how long it will be:
Ready?
A bit about me, I have 2 kids - 1 girl, 1 boy - with different mothers. I'm 24, and I was declared bankrupt in Feb 2013, due to reasons mainly to do with my girls mother.
Anyway I have a few issues so will go through separately.
Issue 1 - Daughters Mother
Right, so, after months of not seeing my daughter properly, she has said I can now see her every Saturday between the hours of 11am-5pm, when she knows I work at least 2 Saturdays a month, sometimes 3. As an example, I'm working this Saturday (which would be the 1st time I would be having my daughter), and I can't change it at all, having only had notice today, however, she will then say that that was my chance, and try and stop me seeing her again.
Secondly, she will and does already try and tell me that I can't do this and I can't do that with her, so I am looking for some kind of information and advice, as I am pretty sure that as I hold parental responsibility, she cannot stop me doing certain things (in this instance, introducing her to my girlfriend) - for which she will try and stop me seeing her again.
I have sent her a letter to say that I wanted her one evening a week after work to start with and take it from there, which is when I have had the situations mentioned above handed to me.
Now, with regards to CSA payments for my daughter, there is a backlog as I have been made redundant out of the last 2 permanent positions I have held, meaning lack of funds, as well as being declared bankrupt, but she has apparantly made a list of everything that i have done or spent money on in her eyes to try and use against me (Stalking me on FB/twitter/etc) - would this stand up in court if she tried to prevent me seeing my daughter? She can't afford to go to court anyway, but she tries to threaten it, but i'm not stupid like she seems to think.
Issue 2 - Sons Mother
Right here is another problem I have, my son was born in May 2011, and me and his mother broke up a few months later, from which point I have never had any contact whatsoever with him, as his mother told me she doesn't want him to know me, she doesn't want any money from me, and she had an affair in the relationship so he probably isn't mine. However, with regards to the CSA, they are now asking for money backdated from him, when I am infact arguing the toss saying that as she has stated this after the relationship has ended, it should be up to her to prove otherwise, because up until that point, I never doubted her at all. I am on his Birth Certificate, but obviously this is because I had no doubt that he was mine, then she dropped that bombshell out. She still maintains that she wants no contact with me ever and no money, yet is still happy for CSA to claim backpay! Money-grabbing *****!
Issue 3 - The CSA
Now, as I have already mentioned, I was declared bankrupt in Feb 2013. The CSA have sent me a letter dated 13/08/13, telling me they have now put in place a deduction of earnings order againt me for the next 12 months at a total cost of £4789.20 (which I have asked for proof of how they worked this out because they have my work history all messed up and I know that for a fact!), because I am working via an agency at the moment they are telling me they will be taking £109.84 for 36 weeks, 109.81 for 1 week, and then 14 of whatever other amount it is.
I don't live at home with parents, as that becomes untenable and there is no space, so I am in a house share with friends.
After tax at the moment, I seem to be picking up between £220-250 a week, and they seem to think that taking £109.84 out of that each week is acceptable for me to live?
If I break it down then over say a 4 week period it would be like this:
Wages (after tax) - £1000ish
Rent -£360
Car Insurance - £40 (£400)
Phone Bill - £40 (£440)
Petrol (for work) - £200 (£640)
CSA - £439.96 (£1079.36)
So this would leave with with absolutely nothing at all to live off, for food, clothing, other essentials?
Where do I stand on this?
I have written to them to explain my position but they haven't replied, and whenever I speak on the phone, all they are is condescending and trying to be arrogant. I mentioned to them many months ago about the financial difficulties I had facing me, but they were just concerned in getting as much out of me as they could. I've now explained that I have gone bankrupt, but they haven't responded.
Things are starting to get worse, and it is all now stressing me out as this has all just dropped on my doorstep in one foul swoop!
What can I do, what advice is there, what can I use, anything??
Any help will be greatly appreciated.
Thank you for taking the time to read it if you got to this point.
Rob
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