Worried sick my health is getting poor

[canvey]

Child Support Agency say I owe them 22,000 pounds. I am now living with my partner and child.My outgoings are 740 pounds per month which includes 150 pounds repayments to csa.
I earn around 800 - 900 pounds per month as a mini cab driver. I have managed to keep afloat since january but see that what little savings i had is now no more and i face a crash in my situation. I cant rely on the car and my health is getting poor. Worried sick, pressure on family etc.
My missus has found a little job which will cover 200 pounds a month, if she parts with it of course. Happy Easter.

[MelanieGiles]

Hi canvey and welcome to the forum

That is an enormous sum to owe the CSA. What does this relate to? CSA debts are completely outside of any informal or formal insolvency proceedings, and you will have to come to some arrangement with the CSA to make payments, as failure to do so will leave you in contempt of Court.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[canvey]

contempt of court! oh boy.
I think it relates to the benefit my partner was claiming for the past 6 years. I didnt live with her family, she has three other children from previous relationship and the situation tense, tho not volatile.Now other children have moved on, grown up.
I did not pay her bills, but i certainly paid out for loads of furniture and household things, as well as days out etc.
The subject of money has never been good between us, is now better i suppose as we are / i am slowly sinking.
My ignorance has cost me heavily.
I always thought i was intelligent and relatively careful with my finances. I have always worked, bar a couple of years, and always thought i was doing the right thing.
I havent run away from my responsibilities as Dad, but am made to feel that i should have.
I cant talk to csa anymore, they make it up as they go along, no negotiation, no reasonableness. I end up getting angry, and they just laugh. I have got someone who wrote them a letter, hes a solicitor i think. The csa wouldnt respond to him as i had not authorised him to be my third party or to speak on my behalf, and they didnt tell me this! I get angry now. Its crazy though i know irrelevent, I have worked most of my life as a carer or nurse, being responsive to individuals, taking consideration for certain situations and assisting as i go along. All of this Personalness, has now gone.
I digress, the csa also say that my debt has been refered to external debt collectors as they didnt receive the standing order payments for the past two months, which is odd because the payments did go out, but apparently they had the wrong refence detail, but the csa also negated to tell me that, so what chance do i have. This only was revealed to me when i called them to explain that my next payment would be impossible to meet. So now i think there will be men coming round to take stuff away. my missus wont be happy, and will probably be arrested if she sees her pride and joy being burgled. I not sure how i will react. I know its only stuff, it doesnt really amount to much value. Certainly nothing to what they say i owe.
I taken enough of your valuable time. Regards to all.
Canvey

[MelanieGiles]

Just one point - bailiffs cannot remove goods which do not belong to you, so your partner's assets are safe. Get that standing order set up properly and begin to repay the debt as soon as you can.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[Storm]

As I am sure Melanie will confirm bailiff actions in these circumstances is normally a final action.

Whilst you get frustrated dealing with the CSA you need to - they think you owe £22k. If you want to use a third party to discuss the matter on your behalf its a simple process, get it done and your friend can discuss matters and hopefully get a clear explanation of how you have accumulated such a substantial debt.

As Melanie states a bailiff can not remove goods that are not yours BUT they will not take your word for it ie: that isn't mine... your partner will have to prove she purchased the goods supported with reciepts etc.

You need to make arrangements to pay and stick to them.

[canvey]

Thank you for your responses.
Thats me then.
Like yoghurt, I am mullered.
Part of me says pay humbly, and the other says stuff them.
I think I should be a good citizen of my country, but even money loans and banks sort of have to tell you when your overdrawn...surely.
I dont know, maybe my man can help out on my behalf. I know i just cant contain myself when talking to them.

My head is racing a bit.
I shall seek solace in the Dao.
I did an easy job today and earned 40 pounds, I thought I was doing well!
How one lands to the ground with a heavy thump.
I will return and let you know what happens.
Thanks again for the straight talk.
Canvey