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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.


Do you need help going to court over a Financial Settlement?

Our consultant service offers expert advice and support for people who are going to court over a fair financial settlement, for less than a quarter of the cost of using a traditional high street solicitor.


What''s the best route to take with debts?

  • Gillian48
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14 Apr 13 #389100 by Gillian48
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Thanks I''ll give them a ring - I looked at a debt relief order as that seemed the best way to go being on a low income but I have a car worth £1600 which I need as I have medical issues and need it to get about and they say you can''t have assets over £1000? I''ll look at an IVA but may come across the same problem and I have more outgoings than earnings. I think they''ll recommend bankruptcy?
I''m going through the court to try and get SM payments increased but that''s not going well either - so frustrating as my ex earns over £85k and won''t even help his kids out! GGGGRrrrhhh
Fed up of being cold and hungry which doesn''t help my health issues - and not being able to give my kids essentials is most upsetting.
Thanks for all your comments and help. X

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14 Apr 13 #389102 by ninny
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Go to direct.gov.uk website. On there you will find a section helping with debt. Use the national debt line provided and apply for a DRO, a debt relief order. It will not do your credit rating any good but will wipe out your debts altogether. Read about DRO''s, any further questions - just let me know.
Clarke

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14 Apr 13 #389122 by vivi36
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hiya,

Are you claiming everything that you are entitled to from tax credits etc?

I recently had a hic up, around the same time my gas and electric supplier sent me a letter advising of my annual price hike. I rang them and explained my circumstances and after a few arguments and tears they kindly put me onto a different tarif that has saved me a fortune.
If you went to your bank and asked them for help as you are in financial difficulty they themselves may not be able to help you in branch but they should advise you what you need to do. In my bank there is a brochure with an income and expenditure and a phone number. You should be able to use the phones in branch. They hopefully wouldn''t offer you a loan as that would be irresponsible lending. You could phone your credit card companies and ask for help, they can reduce your APR, negotiate a payment plan and freeze your card. Do you know if you took out payment protection?

You said your too embarrassed, please don''t be! If you ignore it (as such) and plod on your going to make yourself poorly. And when your phoning these companies take names and write dates and times to keep a log. They won''t offer help out on a plate you have to push it. You have to impress that you are in financial difficulty and hardship. If they ask you to offer a payment amount don''t offer too high be realistic!

We sit under blankets watching the tv. It reminds me of being a kid. We used to have a coal fire so only the front room was warm and we used to argue like hell about who was going to put the kettle on, or turn the tv on (does anyone remember having just 3 channels and turning the tv over with a box on the windowsill?) Please don''t feel disheartened by this make it fun.

A few months ago I was scouring the reduced aisles, blanching and freezing veg.

It will all work out.
Wishing you well, stay snuggly and happy,

xx

  • Gillian48
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14 Apr 13 #389127 by Gillian48
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Hi thanks vivi - your thread made me smile - sitting under blankets - we did the same as kids - I remember living in the one room and rushing to get into bed to keep warm! Still sit here wrapped in blankets but no coal fire now! Just a gas one in my rented house I can''t afford to use! I have checked I''m claiming everything I can - that''s the trouble will soon lose all child tax credits when my son leaves education - that''s when I really will be in a mess. I struggle with illness anyway - the stress is making me worse. I''m going to write to all the credit card companies see if I can negotiate something or maybe it''s best to ring them? I think if I rang I''d just burst into tears and not be able to speak! I''ve spoken to utilitiy companies I''m on the right tariffs and I''ve cancelled everything else I can that isn''t essential.
Life is difficult especially after such a traumatic divorce and it doesn''t help when I''m struggling with 2 kids (over 18 so not I guess) and my ex is living the life of Riley having exoctic holidays etc... Shame he doesn''t care about his kids!
Thanks so much - it helps knowing people do understand and I''m not alone! xxx

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15 Apr 13 #389137 by butterfly crossing
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Go to citizens advice, they really can help you.

They will look at your finances, and make sure you have enough to live on ( this includes heating and food).

I had £20 a week to do all the essentials on after I paid all necessary bills plus debts, it was ridiculous, the only time I ate was in work (tin of beans) and that way they saw me eating, and assumed I was on a diet.

I do know how hard it is beleive me. The CAB really were my saviours in this instance anyway.

They wrote letters to everyone I owed money to, giving them a breakdown of what I could reaosnably afford, and did it pro rata too.

Companies that had previously denied me lower payments when I wrote and explained everything to them,all of a sudden agreed,some were getting just a pound a month!!

CAB also ask them not to put any interest on payments, and all of them agreed to this to, so for once I could actually live again. I will be eternally in their debt, and should I ever get any money (in my dreams) they really would be at the top of my list for a donation along with my beloved wiki.

You have nothing to lose and loads to gain ;)

  • Gillian48
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15 Apr 13 #389142 by Gillian48
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Thanks for the advice LC I''m gonna ring them in the morning to make an appointment! XxX

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