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What are we each entitled to in our divorce settlement?

What does the law say about how to split the house, how to share pensions and other assets, and how much maintenance is payable.

What steps can we take to reach a fair agreement?

The four basic steps to reaching an agreement on divorce finances are: disclosure, getting advice, negotiating and implementing a Consent Order.

What is a Consent Order and why do we need one?

A Consent Order is a legally binding document that finalises a divorcing couple's agreement on property, pensions and other assets.


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Decree Absolute and Form E

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21 Nov 07 #7303 by OBEs 1 canoodly
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Oh lindyloo!!!

You are the perfect candidate for weaving your way into NEO's web!!

Let me tell you about "some" financial advisers but not all! They are the opposite to solicitors....whereas you know you are going to get charged for lawyers advice a financial adviser will do most things for "free". They will give you snippets of advice until you truly feel they are acting in "your best interest". Then having got your full attention they come up with a package that you can afford and its cost you nothing. Perfect! However, lenders make charges for lending and these can either be paid up front or at the end. In some cases these charges can be fairly high but depending on which way you go, can result in the type of deal that you get by way of interest payable. Be aware that if you can't afford to pay the charges up front and opt to have them tagged on to the mortgage it will still be payable at the end of the term and you will be paying interest on it as well!

These charges are there because the adviser is getting paid by the lender except really it is you that ultimately pays. So, the old rule stands - nothing is ever for free. Also be aware that some financial advisers will make a charge to you but will also be getting paid by the lender as well!

Now, unless you really have got to know your adviser well or been very highly recommended, the nice new adviser who has drawn you into his world of good bits of advice now starts to discuss what he could do for you and will find you "the best deal" and it may look like the best deal on paper because they have to tell you everything by way of a print out called "Key Facts". However, it could be that really it is them that are getting the best deal as far as what that particular lender may be paying them by way of commission over and above another lender who may have had an even better deal to suit your needs but the commission was not so great for the adviser but you will never know!

After years of having been "screwed" by IFA's I have now found one that I truly do TRUST and as I am lucky enough to have a good insight into financial stuff having been stuffed plenty in the past, I now know what to look for, what to ask and what to be aware of!

Here here Louise!! If people want to advertise on this site then they should register and they should pay for that pleasure because ultimately they will pick up business from unsuspecting people.

I am not a financial adviser, I am not selling anything but I will always be happy to give my advice for free and then would advise you to check what I have told you with several different IFA's before taking up any offers.

One thing in NEO's defence and something I have mentioned on here before is that IFA's have access to all lenders whereas if you go to a Bank or Building Society they will only sell you their own products so your choice is limited.

I mean no offence NEO you may be one of the good guys but I feel people on this site are very vunerable during divorce and could easily slip into the hands of the first person who gives them sympathetic advice, especially women!!!! By saying that you get fulfilment out of helping women get a better deal hasn't really won you any favours and thats coming from a woman!!!

Don't be fooled.......most of us women are very strong minded creatures we can and will cope! As for mens ability to earn more or cope well after divorce I don't know where you got those facts from especially when most of them live with the prospect of never seeing their kids again! My partner is 61 and has lost practically everything he ever worked for all his life and is now having to start all over again....he is working more hours now to exist than he did when he was younger.........try telling him his income has gone up and that he is coping well whilst his ex (who by the way drove him out and changed the locks) sits in a house, all paid for looking forward to her retirement!!!

Read a few more threads on here and you will realise Divorce is not always instigated by the man....women get bored too! As Markp's new post has confirmed they can also be just as bad if not even more devious than men!!

Regards

OBEs 1

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22 Nov 07 #7314 by Specialdad
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Thanks loobyloo. I try my best!!

It is a tough job trying to see the world the right way up if you feel upside down all the time.

I remember my ex once saying, when she was really angry with me, she would take everything I had, so I sent her all old underpants the next day and said well you can start with these!!!!

Keep your chin up, there is always Eastenders!!

B)

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22 Nov 07 #7320 by loobyloo
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specialdad
You get worse.... hae you been through courts re money etc. I have fdr in 13days time and am hoping sorted ... but my x2b is a b....d , honestly... but i dont put all men in the same light
But this site is a real escape .... and as for eastenders... well!!!
The footy p...d me off too
Hope youbought new undied and not going commando!!
looby

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22 Nov 07 #7323 by Specialdad
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Best of luck with your FDR looby.

Keep emotion out of the hearing as the judge will want to keep to the facts only. Telling the judge about your ex's rants and raves just wastes time.

If your ex doesnt turn up get papers served on him and ask for the 70/30 split and 20% of earnings for 2 kids as a starter. B)

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22 Nov 07 #7336 by loobyloo
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Hell turn up with a bag if bull shit and a fat hairy scary mary barrister, but last time i saw my sol he told me his sol giving him a week to comply or sacking him!!! I honestly believe he thinks hes untouchable... he has hidden money in brothers account but i got proof hes just played dirty throughout
Just want final closure on it all and get my own house and move on..
thanks again
making me laugh at your other posts AGAIN
looby

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22 Nov 07 #7346 by Specialdad
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No problem Looby. Heres a virtual hug for you. ;)

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22 Nov 07 #7365 by loobyloo
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thanks sd .... sending one back keep on with the posts, you mad one you!!
looby

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