Please help

Hi, was just wondering if anyone has any advice re my last post? Things are moving on at pace with the solicitor and I am concerned I might not be getting anywhere.

thanks in advance

Emalou
xx

Hiya emalou. I looked at both of the threads that you commented on and I cant see that you are asking anything? The divorce process is a slow one. Is it that you think its going to slowly? It feels like that. Like walking in mud sometimes. Chris

Chris - this is the message I posted, I am not sure why but it seems not to have been in the new posts bit....

thanks

Emalou
x

Hello,

I have run my bits and pieces through the Divorce Calculator, and one thing struck me, the house about 60K in equity in it, although we have redemptions of 10.5K, and the calculator says it would be split 60/40 in my favour, but my solicitor is advising me that I have a good chance of having the house awarded to me in full, as to buy something in the same area I would need this plus the maximum mortgage I can get to fund even a modest property.
H earns 55K plus 8.5K car allowance and I earn 31K, and currently gives me 500 per month towards care for imogen, his solicitor tells him he has no duty towards me, despite the fact that with the debt I have (mostly marital, some due to trying to stay afloat since he left last feb) I can not afford to buy a smaller property for Imogen and I to live in.

CAn anybody advise as the solicitor is expensive and I do not want to keeo fighting if I am not going to get anymore for all the grief.

H has previously offered 60/40 split plus 500 per month.

This leaves him with 2800 per month and me with 2600, but I have substantial debt (19K) and he has none, and I have the home, activities for my daughter etc to fund.

She was a very active 10 year old, horse riding/gym/netball/music lessons, I have had to stop all these as I just cannot afford it any longer, and for the last two weeks have not had money for food/petrol, I am getting into debt with family and cannot see a way forward

Any help gratefully received

Emalou

Its there now so U should get some answers. I dont use the calculator so I cant comment. Good luck, Chris

Hi Emalou

I am no expert by any means but I do feel for you having experienced something very similar, being left with debts and children's expenses etc while ex swans around in new clothes, going out for meals etc. I think in the short term you need to address your debt problems, check out Martin Lewis' website moneysavingexpert.com and have a chat with your local Citizens Advice for any help you can get regarding lowering your payments. In my experience if you are honest with your creditors they will allow you to make changes to your payments that mean you can continue making smaller repayments but for a longer period. Some will even freeze interest.

I completely know what it is like not to have money for food - I quite often go a week on a bag of value muesli from Asda only 52p and quite tasty! But please seek help for your debts before they completely ruin your life. You will then be able to focus on your divorce and ancillary proceedings.

Best of luck.

Lucy

thx lucy will have a look at the website

emalou
xx

Emalou
Why dont you post some more figures.

Is he paying anything towards household bills at present? Im no expert but it looks like the quicker you get this sorted the better as you dont want to be running up any more debt than you have to.

Thing is in divorce we all have to cut back, as you have already done. It will get better. 2 years ago I was buying value packs etc. I dont have to now but you know Im nearly frightened to spend money because i got used to being very careful.

I agree with Lucys recommendation of www.moneysavingexpert.com, very good tips. Freebie forum quite good too, I got a pack of really lovely face products yesterday, too good, I want to buy some now!:)

Theres something called anxillary relief (I think). Maybe someone here can shed light on that, I havent a clue.

Tinny