Hi. Warning - long reply follows.
A lot of people may disagree with me and say I am hard. That is probably true but I didn't start out that way.
I read the books by families need fathers. Take the high road. When your kids come and ask you for money, imagine how they feel when they go back to their PWC and have to tell them you said no? Who bears the brunt? I have showed up at school open days where we were accosted by teachers asking us why we let our daughter (my step) come to school with no hockey boots, sticks that literally left her with blisters... when my husband's ex asked him to pay 1/2 he said yes. he said send me receipts for anything you buy in the month and I will add it to monthly child support. Likewise, I will send you receipts for anything I buy for school and deduct 1/2 from monthly child support. She wanted £500. He said no. She never raised it again, just refused to buy anything. We didn't know she had no school uniform, no gym kit etc.
So we paid for school uniforms, school trips, school fees, university accommodation. It never ever ended. And to this day she is convinced she and her children have been hard done to. The kids would show up and say will you buy us clothes? If mummy does, we will not be able to afford electricity. One time when we dropped them off it was - are you going to give me more money or are you happy for your children to starve to death? At the same time, she paid off her mortgage, bought a new car, installed a conservatory,installed hardwood floors through the house and saved up over £25k (we know this through the numerous court cases, the last being when she tried to change a term spousal maintenance order to a lifetime one) - while we spent all our disposable income on the kids after my husband gave her 40% of his take home income every month.
PLEASE LEARN FROM OUR MISTAKES!!!
He gave her 100% of the capital from the marriage 'for the sake of the children'.
It will become a never ending court case and financial drain. stop it now.
I have put my answers to your questions below.
More information on finances below:
I take home £2487 per month
She earns £1500min (I dont know for sure) this excludes benefits, maintenance etc.
Her salary will almost never be taken into account.
No financial settlement on divorce even though we have Nisi and Absolute, just cant afford the legal fees.
Use a site like divorce online to draw up a
Clean Break agreement. This will finalise the break between the two of you. Use the CSA for child support.
She stayed in FMH and paid mortgage since split, refused to move out, recently found she couldnt pay the mortgage and now house sold and completing next week.
There is no equity in fact about £150 shortfall which I will be paying.
Court will be concerned about the living arrangements for the children.
I am taking on joint debts, loan £5k and overdraft £1.5k
Document this in a clean break agreement.
I will have had the children 123 nights by the end of this year inclusive of holidays.
I pay £384 even though CM Options website says £264 for one child and £354 for two.
Get contact enshrined in a contact order as soon as you can. At the very least get a written agreement with your ex.
I also pay £190 of this via childcare voucher scheme so she gets £243 instead.
Does this actually cost you anything?
This gives her a total from me and the childcare vouchers of £435 per month instead of the £264 for one child.
If the vouchers don't cost you anything, you could agree to give her them as long as you continue to receive them as a payment above the CSA amount. If you do, document this clearly.
I am on the verge of cutting it back to what the CM website says I should pay, £264 pay it direct and let her take me to court for the rest. But I know that is not going to make me look good in court.
You will almost never look good in court anyway. Cynical but true. Your stance needs to be that you are paying exactly what you are supposed to. That you are additionally providing care for hte child for 1/3 of the year and that you are (if you are) also contributing child care vouchers as long as they are an employment benefit.
However I am scared of what she will do, I cant afford to go to court to sort out the financial settlement.
My husband spent £4k on a solicitor first time he went. His ex didn't get one. He had to obey rules of court. Ex spent nearly an hour spewing complete lies. Judge said she was clearly upset so should get to speak her piece! He has been back to court 4 times (he didn't get a clean break at the time of divorce) and represented himself every time after that.
One other twist in this, my new girlfriend and I are expecting a baby in December, I feel this may have been the catalyst that kicked off my ex, she obviously realises her maintenance will go down.
Yes. for my husband's ex - she was very nice until he proposed to me. Then she went absolutely ballistic.
What do i do ?
Is she liable to get more from me if I were to cut it back to what it should be?
Get a written cost from CSA (or CMEC, whatever they call themselves). Do not include your stepson, pay for him if you want to but make sure it is optional, not part of your legal agreement.
Can I self rep? How hard is it?
What sort of cost am I looking at for Solicitor?
Yes and I would recommend it. But you have to have all teh facts to hand when you go in and you cannot be angry or bitter. you must be fair and put the best interests of your daughter first. If she files and you want something different, remember you must file a counter claim or they cannot address what you want, only what she has filed.
Can she refuse to go through mediation?
She said as I have been unreasonable in recent arguements she doesnt have to?
Yes we have argued, tempers have run high, but I have never threatened her as she has implied!
Yes or she can write to them and say that you intimidate her and she doesn't want to attend with you. They will see her independently then. Or she can refuse.
My husband and his ex were actually ordered by the court to seek mediation. He went, she went for an individual appointment and then the mediator called my husband and said she has said she refuses to negotiate so you must go back to court. Despite it being a court order they attend mediation, she was not penalised in any way for refusing.
Given I have paid over the odds, could a court make me carry on paying it even though we have had no written agreement stating what I should pay?
Yes and this is why you should get a written quote from CSA and pay that only going forward.
If it does go to court are they liable to award her SM?
Does your girlfriend work? If so, does she earn enough to pay 1/2 household bills? If so, that will release 1/2 of your household bill commitment.
If you do discuss SM, make it term based so - I will pay SM until child is 6 and in school. A clean break is better if you can get one.