Oh god - this is not good news. I have been under the impression that they had already agreed to the interest only. They've even been taking the money from the DWP. I totally now see that each bit of correspondence is different to the last and their story changes with each phone call. Oh god.

I was wondering what happened after this? I have found myself in exactly the same position with Mortgage Express. They told me they would move my mortgage to Interest Only if I could prove that DWP would make the payments. I got these payments organised and indeed the DWP have paid direct to ME for months. Now ME are telling me I owe them for the difference and no Interest Only mortgage is in place. They refuse to send out correspondence yet then say that no agreement is definite unless they send out confirmation in the post. I can see they are engineering themselves out of my loan and trying to make me sell up and move on, but this just isn't an option and will render me homeless. Did this letter work?

Just to clarify my last statement on my previous post... I've just rung the CSA, who were as helpful and charming as ever, to ask about future DNA test and repayment of CSA. I was just told that I would be entitled to full repayment for the entire claim - as long as the case was still open!!! I'm not entirely sure what this means, and neither did the person I was speaking to, but my interpretation (and I am NOT A SOLICITOR) is that if the case is closed, e.g. my 'son' turns 16 and does not enter higher education, then if I subsequently meet him when he's 18 and then get a negative DNA result then I won't be entitled to get my money back. So that's an extra Catch 22 to consider. Aint the CSA legislation great?!

Yes - you've found the huge catch 22 in the system. Basically, if you signed the Birth Certificate then legally you have agreed that the child (or children) are yours. Of course you have absolutely no way of knowing this - only the Mother will have an idea of whether this is true. But of course relationships don't work like this. When you've just had a baby in a relationship you aren't about to start demanding a DNA test, and of course evidence that you aren't the Father perhaps was not available to you at the time of the signing of the Birth Certificate anyway. So the CSA will start taking payments regardless of DNA test and you won't be able to get a Paternity test unless the Mother agrees. In my case I of course signed the birth certificate. We were happily in a long term relationship and I was fully expecting us to get married, have more kids - basically do the standard family dream thing that most of us think we're signing up for. 6 months later I was thrown out of the house and 12 months after that she blocked access to our son. I haven't seen him now for 4 and half years. She refuses all contact, refuses DNA, ignores letters - the full treatment basically. She's quite happy to take the £450 a month out of my bank account isn't she? yes she is. With that sort of bill hanging over you for the next 12 years (estimated at roughly £100,000) you'd think I'd have some recourse for some DEFINITIVE PROOF that I am the father - but no, I have no such right. Basically whilst my ex refuses a DNA for whatever reason (personal upset - don't make me laugh) I have to keep on paying. This seems extremely unjust - and of course it is - but this is because you're thinking that the system is there to provide justice - and of course it isn't. If some justice comes along with some of the decisions then so be it - but basically the instruction is to ensure that SOMEONE is paying and NOT THE STATE. The last thing the state wants is for Fathers to be able to force Paternity tests.. why?? Because those us who can pay are same types of blokes who will pay. The state doesn't want me to find out that in fact my son was fathered by some complete waste of space one night stand never going to and never will be able to pay child support. They'd much rather I did it instead. So they put obstacles in place to prevent me finding out. Personally I think it is against my human rights not to be able to seek definitive proof of parentage whilst being forced via stoppage on earnings to pay substantial amounts to my ex. There is no equity in this arrangement. It clearly goes against even basic principles of law such as Cui Bono - Who Benefits? So getting back to start... you can't stop CSA unless you can prove that you aren't the Father. You can only prove that you aren't the father by submitting a valid DNA test. You can only get a valid DNA test if the mother agrees. If there is any chance that you aren't the real father then she won't. So if you request a DNA test and she agrees, then you'll get test but won't need one - if she refuses then you won't get the test when it's the one thing you absolutely need Classic Catch 22. You MUST register your question of paternity with the CSA immediately so that perhaps when you see your child in 18 years time and get a DNA test done then - if its negative then they will owe you a RUCK OF CASH.