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What happens if a parent doesn't pay?
- AuthorAndrew Robinson
Under a child maintenance arrangement, child maintenance is usually paid by the parent who does not have day-to-day care of the child or does not usually live with the child. If this payment is not forthcoming, the receiving parent could launch a civil legal claim. However, this option is expensive and still leaves the issue of ensuring the paying parent complies with the judgment. Instead, where possible, you, as the receiving parent, can approach the Child Maintenance Service (CMS), which has wide-ranging powers of enforcement.
What measures can the CMS take if a parent fails to pay?
The CMS can secure payment using a range of powers, including:
- Ordering the paying parent’s employer to make a deduction from their wages or pension
- Instructing the paying parent’s bank or building society to take regular payments or a lump sum from their account
- Taking the paying parent to court to recover arrears via a liability order
What is a liability order?
A liability order allows the CMS to take legal action against the paying parent to recover the debt. They could:
- Negotiate payment using bailiffs, or ask them to seize and sell the paying parent’s belongings
- Use an ‘order for sale’ to sell the paying parent’s assets or property and take the proceeds
- Place the paying parent’s debt on the Register of Judgments, Orders and Fines, which will hinder them from getting a mortgage, credit card or loan
- Revoke the paying parent’s passport or driving licence, or prevent them from getting one
- Send the paying parent to prison
When will the CMS act?
When the CMS will act will depend on whether you reached a private child maintenance agreement or if your agreement was arranged through the CMS.
If you reached a private or ‘family-based’ agreement
If a private arrangement for child maintenance has broken down due to non-payment and even where a court order has been made confirming that agreement (as long as the order post-dates 3 March 2003 and is more than 12 months old), the CMS can step in, make an assessment and collect maintenance. The CMS cannot recoup any arrears the paying parent already owes, though you could approach the court to enforce the consent order and recover the debt.
If you arranged child maintenance through the CMS
If the CMS collects maintenance from the paying parent on your behalf through ‘Collect and Pay’, they will know if payments have been missed. After trying to agree on a repayment schedule with the paying parent, they will use the enforcement measures outlined above to secure the arrears.
If the paying parent has agreed to pay you directly, known as ‘Direct Pay’, the CMS will need to be informed of non-payment before they can take action.
Has COVID-19 affected how the CMS approaches nonpayment?
The COVID-19 pandemic has impacted many parents’ ability to pay child maintenance. If a paying parent claims to be unable to pay due to an income reduction, the CMS may reassess their liability. In cases where the parent’s income has been reduced by 25% due to COVID-19, the CMS will make adjustments to maintenance calculations.
What happens if the paying parent is furloughed?
If a paying parent is in receipt of the 80% furlough payment, they will be expected to pay maintenance in full. The CMS will implement enforcement measures if payment is not forthcoming.