Sorry hun, but you can't keep burying your head about confronting her any longer!
You and she have a contract, you do not have a contract with CTC, she does, so she should be funding the costs in the meantime, and then she can enjoy the lump sum back payment should she be entitled to one.
What happens if she isn't getting CTC as a result of her previous omissions? Do you not get paid either?
She is able to work because she is using childcare, she is getting paid for her job, you should be getting paid for doing yours!
Whilst you can sympathize with her predicament, you have been more than understanding and considerate, and now it's time for her to pay you.
You don't need the ncma to pursue through the small claims court, you can do that yourself, alternatively, contact your childcare insurer and see if they can help.
I think you need to write a formal letter and give this irresponsible selfish parent some additional time to pay - I think a week, then you have to write to her again giving her another 28 days whilst informing her that if she doesn't cough up you will take her to court, you can then file copies of communications and responses as your evidence
The time for being nicey nicey and communicating by text has passed, you need to do something far more proactive such as withholding care until paid in full
I think in your heart you already know this
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