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If you owe child maintenance
This advice applies to England. See advice for See advice forNorthern Ireland, See advice forScotland, See advice forWales
You can be chased for unpaid child maintenance by your childâs other parent or by the Child Maintenance Service (CMS).
What you can do if you owe child maintenance depends on how you pay it. You might:
pay it direct to the other parent
have it collected by the CMS and paid to the other parent
In either case, you should first check the amount youâre being asked to pay is correct.
The payments you owe are called âarrearsâ. If you donât pay the arrears, the CMS can take steps to get the money from you.
If your childâs other parent is chasing you for arrears
Itâs best to talk to them first if you can.
If you disagree with how much they say you owe, ask them to show how theyâve calculated the amount. If theyâre claiming you missed some payments and you disagree, youâll need to prove you made them. For example, you could show bank statements which list the payments you made.
If you agree with the amount but canât afford to pay, try to agree a repayment plan with the other parent. You can check how much you could afford to pay.
If you arranged maintenance directly with the other parent and canât agree a repayment plan with them, they could ask the CMS to collect maintenance instead. The CMS canât make you pay any arrears under the arrangement you had with the other parent.
If the CMS are chasing you for arrears
The CMS will chase you for arrears if you pay maintenance:
by Direct Pay and the other parent has told them youâve missed payments
by Collect and Pay
The CMS will write to tell you what you owe. This is called an âarrears noticeâ. It should include a list of the payments youâve made. If it doesnât, ask the CMS for one.
If you disagree with the amount of arrears, check the amount the CMS say you owe. If they havenât taken account of payments youâve made, send them evidence you made the payments. For example, you could send a copy of your bank statements.
You should also ask them not to enforce the arrears while youâre challenging the amount.
If you agree the amount is correct but canât afford to pay, try to agree a repayment plan with the CMS. You can check how much you could afford to pay. You should send the CMS details of your income and expenses and explain how much you can afford to pay. Remember that youâll need to keep paying maintenance at the same time as paying off the arrears in a reasonable time.
You can write to the CMS or call them. You can call or write to the CMS. You can also contact them using your online account, if you have one. Youâll need the 12-digit reference number on the letter saying how much you have to pay. You can access your online account on GOV.UK.
Itâs best to ask in writing so you have a copy.
If you call, make a note of when you called, who you spoke to and what they said. Follow your call up with a letter so you have a written record of what was said. You might need this if thereâs a dispute in the future.
Child Maintenance Service
Child Maintenance Service 21
Mail Handling Site A
Wolverhampton
WV98 2BU
Telephone: 0800 171 2345
Welsh language: 0800 232 1979
Relay UK - if you can't hear or speak on the phone, you can type what you want to say: 18001 then 0800 171 2345
You can use Relay UK with an app or a textphone. Thereâs no extra charge to use it. Find out how to use Relay UK on the Relay UK website.
Monday to Friday, 8am to 6pm
Calls are free from mobiles and landlines.
Making an offer to clear your arrears
You can offer to clear the arrears with a single payment thatâs less than the full amount you owe.
This is known as a âpart payment in full and final settlementâ.
It will only clear the arrears - if your child still qualifies for maintenance, youâll have to keep making those regular payments.
Your childâs other parent and the CMS will have to agree to your offer of a part payment. If the other parent agrees to it, they canât change their mind later. The CMS wonât agree if they think you can afford to pay the arrears in full.
If both parents and the CMS agree to a part payment, the CMS will write to confirm how and when the part payment should be made.
If you donât pay, the CMS can cancel the agreement and try to get the arrears back in other ways.
If you donât pay the arrears (Note that they care not what the reason may be!):
The CMS can take action against you to make you pay. This is called âenforcement actionâ.
⢠If youâre an employee, the CMS can try to take money from your wages.
⢠If youâre not an employee, they can try to take money from your bank or building society account. They might do this if youâre self-employed or retired. They can take either:
⢠regular payments
⢠a one-off amount - known as a âlump sumâ
⢠The CMS can take money from business, partnership or joint accounts.
⢠If the CMS canât recover the arrears from your wages or bank account, they can ask the court for a âliability orderâ. Theyâll then be able to get money to pay the arrears by:
⢠asking bailiffs to take things from you and sell them
⢠getting a court order to force you to sell your home
⢠If that still doesnât clear the arrears, the CMS can ask a court to consider:
⢠taking away your driving licence or passport
⢠sending you to prison
If the CMS take money from your wages
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This means the CMS have made a âdeduction from earnings orderâ. You might get one if youâre an employee and either:
youâre in arrears and havenât been able to agree a repayment plan with the CMS
you havenât kept to an agreement to pay off your arrears
The CMS will usually add an enforcement fee of ÂŁ50 to what you owe. In some situations you wonât have have to pay another fee, like if theyâre trying to impose more than one order because you have more than one job or have recently changed jobs. Youâll only have to pay one fee.
Talk to an adviser if youâre not sure if you have to pay it.
Youâll get an arrears notice from the CMS before they make the order. If you donât want them to make it, try to agree a repayment plan with them.
The CMS might agree not to make the order if youâve paid regularly in the past and agree to set up a direct debit.
The CMS will make the order if you donât respond to the notice or you canât agree a repayment arrangement with them.
The CMS will send a copy of the order to you and your employer. It will say:
how much you owe
how much your employer should deduct each time you get paid
The CMS canât take more than 40% of your net income. Your net income is the money left after you've paid tax and National Insurance.
Your employer can charge you up to ÂŁ1 for each deduction they make. They can be prosecuted if they donât deduct the arrears and pay them to the CMS.
If you want to get the order cancelled
The CMS might cancel a deduction from earnings order in certain circumstances, for example, if:
itâs not working - like if you keep changing jobs or your earnings are so low they canât make a deduction
thereâs a better way of collecting the payments - like taking money from your bank account
you agree a different way to pay with the CMS and they think itâs reasonable to cancel the order
If youâre unhappy about a deduction from earnings order, you should:
offer to make reasonable repayments
keep up with regular maintenance payments
The CMS arenât likely to accept your offer to repay the arrears if you havenât kept up regular payments in the past.
If you think the deductions are too high
You can ask for more time to repay the arrears if you can show the deductions are too high. You need to tell the CMS about the effects that level of deductions is having on you and any child youâre responsible for. For example, you might not be able to afford to visit them any more.
If the CMS wonât take this into account, talk to an adviser.
If your maintenance payments are reduced because your circumstances change
The CMS must change the deduction from earnings order if the amount of maintenance you have to pay has gone down because, for example:
your wages have gone down by 25% or more
you have a child with your new partner
Make sure you tell the CMS about changes like these and ask them to review your deduction from earnings order.
Appealing against an order
You might also be able to appeal against a deduction from earnings order. You must appeal to the court within 28 days of the date on the order.
You can only appeal in limited cases - an adviser can help you understand when you can.
You should talk to an adviser if you want to appeal.
If you change your job
You must tell the CMS within 7 days or you could be fined. The CMS can ask you for more details of your new job. You must tell them:
the name and address of your employer
how much youâll earn
your place of work
the type of work you'll be doing
your payroll number - you can find this on your payslip
If you leave your job but donât go straight to another one, the deduction from earnings order will stop temporarily. This is called âlapsingâ. The order can start again when you get another job.
If your employer goes out of business
You should talk to an adviser.
If youâve paid all the arrears
The deduction from earnings order wonât necessarily stop. It can continue and be adjusted to cover your ongoing maintenance payments.
If the CMS take money from your bank account...
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The CMS will have made a âregular deduction orderâ. This means the CMS can tell your bank or building society to deduct money from your account at regular intervals to pay off the arrears.
The CMS can use this order to collect current maintenance payments, arrears or both. Theyâll usually also add an enforcement fee of ÂŁ50 to what you owe. In some situations you wonât have to pay that fee, like if youâve changed bank account.
Talk to an adviser if youâre not sure if you have to pay it.
The CMS can take money from your account either monthly or weekly. The bank or building society can charge you up to ÂŁ10 for each deduction they make.
You must be left with at least 60% of your net weekly income. Your net income is the money left after you've paid tax and National Insurance.
If youâre paying the default rate of maintenance, the deduction wonât be more than ÂŁ80 per week. Youâll be on that rate if the CMS didnât have enough information to calculate how much you should pay.
There wonât be any deduction if it would mean your account will have less than:
ÂŁ40 for a monthly order
ÂŁ10 for a weekly order
Asking for a review or appeal
You can ask the CMS for a review of a regular deduction order at any time. You might want to ask for a review because:
your gross weekly income has dropped - thatâs your income before tax and national insurance have been deducted
the amount of child maintenance you pay has changed
You can also appeal to a court against:
a regular deduction order
any decision the CMS make after youâve applied for a review of the order
You can find the appeal form and guidance on how to fill it in on GOV.UK.
Check when a regular deduction order might stop
It will stop when you pay off all the arrears.
Your regular deduction order might âlapseâ. That means it will stop temporarily if the CMS think itâs reasonable to do that and one of the following happens:
thereâs no money in your account
youâve agreed to pay another way
if the CMS were making deductions from a joint account, theyâre satisfied youâve stopped putting money into that account
If your order has lapsed, the CMS can start it again if one of the following happens:
you donât keep to the agreement to pay another way
thereâs now enough money in the account
you start putting money into the joint account again
The CMS might decide to end the order - itâs called âdischarging the orderâ. The CMS can discharge it in one of the following situations:
youâve paid all the arrears
youâve closed the bank account used
the order has lapsed for more than 6 months
you die
If you still owe arrears, the CMS might take other steps to recover the money - like taking a sum of money from your account or getting a court order.
If the CMS take money from your bank or building society account:
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The CMS will have made a âlump sum deduction orderâ.
Theyâll also add an enforcement fee of ÂŁ200 to what you owe. In some situations you wonât have to pay another fee, like if theyâre trying to get more than one order because you have more than one bank account or have changed bank account. Youâll only have to pay one fee.
Talk to an adviser if youâre not sure if you have to pay it.
Before they made the order, the CMS will have sent you an âinterim orderâ saying how much they want to take. This is temporary - youâll have a chance to get the order changed before itâs made final.
You have 14 days to tell the CMS:
why they shouldnât make the final order
about any changes you think should be made to the interim order
For example, you could say you need the money for essential items. Youâll need to explain what those items are - like replacing a washing machine or paying mortgage arrears.
The CMS will also send a copy of the interim order to your bank or building society. This means you wonât be able to use the amount of money set out in the order. Youâll still be able to use any money over that amount.
The CMS will make a final order after either:
considering your views
16 days, if you donât reply
Your bank or building society will then deduct the money and transfer it to the CMS after 21 days. They can charge you ÂŁ55 for making the deduction.
During this 21-day period, you and anyone affected by the order can appeal to the court.
You should talk to an adviser if you want to appeal.
If you donât have enough money in your account
You wonât get a lump sum deduction order if you have less than ÂŁ100 in your account but the order will stay in place. That means that if you pay any money into the account in the future, it can be deducted to pay towards the arrears.
If you have more than ÂŁ100 in your account but not enough for the CMS to take the whole amount, they can take up to ÂŁ110.
Check when a lump sum deduction order ends
The CMS will end the lump sum deduction order if:
youâve closed the account named in the order
youâve paid the arrears in full
thereâs never enough money in the account for them to make a deduction
If you still owe arrears, the CMS might take other steps to recover the money - like going to court.
If the CMS tell you they are getting a liability order against you:
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Youâll get a letter from the CMS saying:
how much money you owe
you should agree a repayment arrangement with the CMS
If you donât reply within 14 days, youâll get a second letter telling you the CMS might apply for a liability order in the next 7 days. They will usually also add an enforcement fee of ÂŁ300 to what you owe. You wonât have to pay the fee if the liability order isnât made.
Talk to an adviser if youâre not sure if you have to pay it.
The CMS have to go to court to get a liability order. Youâll be told the time and date of the court hearing.
You can make a repayment offer and ask the CMS not to take court action. The offer has to be reasonable. Whatâs reasonable will depend on your circumstances. Child maintenance payments are a priority debt so you should pay them before paying a credit card debt, for example. You can check what are priority debts.
Even if you make a repayment offer, the CMS donât have to accept it - they might decide to ask for a liability order anyway.
If you need help working out how much you can afford to pay, you can use our budgeting tool or talk to an adviser.
Attending the court hearing
You might have to go to court or the court hearing might happen over the phone or by video call - these are sometimes called âremote hearingsâ.
Check how to prepare for a remote hearing.
You should go to the hearing. If you think the CMS havenât taken into account payments youâve made, youâll need to bring proof youâve made them.
The court canât review the calculation. It can still make a liability order if you challenge the amount you owe. You could ask the court to adjourn the hearing to give you time to ask for a review or appeal against the CMS calculation. The court might agree if youâve already:
paid off some of the arrears
appealed against the assessment
If the CMS get a liability order
The CMS can take further action to make you pay off the arrears.
They can ask bailiffs to take your goods away and sell them.
The CMS can also apply to court to secure the debt on your home, if you own it - this is called a âcharging orderâ. They can then get an order to make you sell it and will recover the arrears from the sale.
You shouldnât try to avoid paying arrears by selling or transferring property. This could be your home, or it could be other things you own - for example, a car.
The CMS can apply for an order to cancel the sale or transfer. For example, if you transfer your house to your new partner so the CMS canât sell it to clear your arrears, they can apply to have this transfer cancelled.
If you want to appeal against a liability order
You canât appeal against a liability order but you can ask for it to be âset asideâ if you think the CMS have made a mistake.
You can talk to an adviser.
If the CMS use bailiffs
You donât have to let the bailiffs into your home. You can read more about stopping bailiffs.
You should negotiate repayment arrangements direct with the bailiffs. The CMS will tell the bailiffs not to take further action if you pay off the arrears.
If the CMS get a charging order
Once the CMS have a liability order, they can register the order as a county court judgment. If they do, that will make it harder for you to get credit.
Once the CMS have registered the liability order, they can apply for a charging order. This means your arrears are a debt which is secured on your home. You can read more about charging orders.
If the CMS have a charging order and you still donât pay all the arrears, they can apply for an order to sell your home. This is called an âorder for saleâ.
You should talk to an adviser if this happens.
If the CMS take you to court because you still owe child maintainance:
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You might have to go to court or the court hearing might happen over the phone or by video call - these are sometimes called âremote hearingsâ.
Check how to prepare for a remote hearing.
If the CMS havenât been able to recover the arrears in any other way, they can ask a court to take your driving licence or passport away. If those steps arenât appropriate, they can ask the court to send you to prison unless youâre under 18.
Youâll get a notice telling you to attend a court hearing. The notice will set out how much you owe and the date and time of the hearing.
You must go to the hearing. If you donât go, the court could issue a warrant for you to be arrested.
At the hearing, the court will ask you:
about your financial circumstances
if you've deliberately refused or neglected to pay maintenance
if you need a driving licence or a passport for work
If youâre facing this type of court action, you should talk to an adviser.
If you need to drive or travel abroad for work
Make sure you take to the hearing:
full details of your financial situation including reasons why you havenât paid
proof you need a driving licence - like a letter from your employer saying you might lose your job if you can't drive
proof you need a passport - for example if youâre a lorry driver and travel into Europe
The court will consider all the circumstances of the case. If they decide you've deliberately not paid maintenance, they can stop you from having or getting a driving licence or a passport for up to 2 years.
The court can decide to suspend the order. That means youâll get to keep your licence or passport and wonât be sent to prison. They could do this for example, on condition you pay a set amount towards the arrears until they're paid off. If you donât keep to this arrangement, the order will be reinstated - so you could then lose your licence or passport or be sent to prison.
If youâre sent to prison
The court can send you to prison for up to 6 weeks if it doesnât think you should be disqualified from driving or stopped from using your passport. It can only do this if you're aged 18 or over.
The order to send you to prison can be suspended, so it might not start immediately.
Youâll still have to pay the arrears after your prison sentence ends. The CMS can take further action if your circumstances change - like if you get a job and they can take money from your wages.
If you want to appeal
You can appeal against the court order - you'll need to get advice from a solicitor to do this.
If you can pay off the arrears
You can apply to get your driving licence or passport back or to be released from prison if you pay off all the amounts in the order. You should tell the court youâve paid off the arrears.
If you pay back part of the arrears, youâll lose your licence or passport or be imprisoned for a shorter period. How much shorter will depend on how much youâve paid off.
If you're in prison, ask the CMS or the prison authorities who you should pay off the arrears to.