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Near retirenment

  • Annie2326
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25 Jun 16 #480434 by Annie2326
Topic started by Annie2326
Help please as I''m worried.
Stbx been his mediation I went in April, he kept refusing to go.
Anyway, before that via solicitors he mad this offer
50 per cent marital home
50 of Spanish home wasn''t worth a lot but goodness knows now.
He would buy my half of Spanish home.
No pension share
No spousal maintenance
He says a judge would say that''s fare, because as follows
He retires in six years,
His income has now dropped significantly he can produce wage slips

I have ISA I''m living off and and because of ill health have now got
379 a month.
I have a frozen pension of 12k
I claim single person council tax reduction

He WAS earning at least 2k a month plus two bonuses a year of at leat 1 or2k each time but obviously can vary.
Already draws a pension of 600
Has another frozen pension of about 10k which he had denied but has suddenly remembered.

He is 60 in July
I am 60 in Feb
I''ve worked all our married life , until two years ago due to ill health
In the main full time.

He appeared or I felt he was pressurising me over the phone to let him have thevspanish house, says the judge will say I had a buyer HIM
So do I have to sell to him?

He says if he has to give me 1k a month spousal maintenance he will pack work in because he will be working for nothing! But don''t know where he got 1k from as my solicitor and I have had no financial discussions, other than refusing get his above offer and telling him we want full disclosure.

At FMH he has been paying to license , water, and combined electric and gas, I pay the council tax, phone and broadband, my mobile,
My dentist plan, my car tax, fuel, car serviced and mot do.
I''ve paid plumber for emergency water leak 260
I''m now having to decorate which is not covered but desperately needed doing. Garden getting bad, have told him all this and he''s just not interested. Pay food, car clean
He says he doesn''t have to pay anything, says he now has no savings as used on solicitor, HOw? He had at l sat 20k and earning, we haven''t got that far down the line yet.

He says if he''s working he should be able to go out when he wants, and go on holidays, I said you will have to cut back like me, to which he said it wouldn''t be fair.

He came in unknowing to me until I went in the shed, he''s taken the electric hedge clippers and the leaf blower, now saying he needed them to cut HER edges and that I don''t need them and they were his.
Then complained he couldn''t find his drill, and went mad because I had lent it our daughter! So I said bring the other things back and I''ll get your drill.

He has also taken
Lap top
iPad
Video camera
Digital camera.

Keeps bringing other woman here and doesn''t feel it''s unreasonable.

Says he now needs to buy his own place, because her house is her sons,
But in the next breath she has a mortgage because her sons are in debt and needed the money.
Her husband died, the history of which my husband told me at the time,
He''d made sure she was going to be ok.
Since he died she has got lymphoma but is now in remission.
She doesn''t work so how the heck has she got a mortgage.
I just don''t know what the heck is going on,
But this is the first long conversation I''ve had with him since he left.
He said what is it I want?
I said it''s what I need, but would have to be sorted

I''m so sorry to be going on, he''s been to the house again when I''m not here taken some stuff well his whisky and wine! I''m so upset and confused again, I''ve now said I''m changing the locks cus I''m so fed up,
He''s now going to see his solicitor Monday.
Everytime I think I''m getting a bit better I get this fear again.

Somehow perhaps he''s right, he is near retirenment so he''s going to need somewhere perhaps it won''t work out with her!
He''s saying he can''t afford and lays nothing at hers only looks after his self, then when I questioned that by saying well you will have more disposable income says something different.
So how come he can get a mortgage to have my half of Spanish house,
Live st hers, and wants to buy a place of his own too, and coming up to retirenment.

Anyway I told him I am unable to make any descisions without full disclosure, God knows what he''s done with the savings.
I just want peace of mind.

To top it all came upstairs to bed and fell over some of his stuff he DIDNT take have banged my elbow and couldn''t back up at first, then bloody cried my eyes out!

Thanks to anyone that reads this bloody boring long post,
But didn''t know who to talk to or explain it.
Goodnight one and all

Ps getting decorated but he doesn''t want to know says was no point in doing it! Even had water leak through ceiling.

  • Annie2326
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25 Jun 16 #480435 by Annie2326
Reply from Annie2326
Oh so so sorry just seen the length of my post many apologies

  • MrsMathsisfun
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25 Jun 16 #480440 by MrsMathsisfun
Reply from MrsMathsisfun
Unfortunately don''t think there is enough financial information in your post to give anyone a good enough picture to see whether his offer is fair.

How much is house worth. Do you have a mortgage? How many bedrooms does the property have? Do you have any dependent children?

Does your stbx have any other pensions part for the one in payment?

How much is the property in Spain worth?

  • Annie2326
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25 Jun 16 #480459 by Annie2326
Reply from Annie2326
House here worth approx 200k if we are lucky
House in Spain worth approx 80k in Eros less tax and costs maybe get
Approx 50/60 uk pounds
He has a work pension that he joined in about 2012 don''t know any other details
He has another frozen worth about 10k
He DID have savings of about 20k
He already draws 600 pension a month
Wages monthly approx 2500 - 3000 k

But told me yesterday nothing left of his savings spent on solicitors which is
Rubbish I haven''t spent no where near that yet.
I have ISA but having to live off this my only income is
Personal independence payment of about 378 a month.

At the moment I have about 20k left but it''s going to dwindle fast as he won''t sort the garden and I''m having to decorate, he has said he won''t pay a penny towards any if it, how we supposed to sell it.
It felt like yesterday he was pressurising me to let him have the Spanish house, I said I''m making no descisions until full disclosure.
Says mediator told him the offer was fare, fifty fifty of both houses nothing else. He said it wasn''t fare if he could not go on holiday or go out!
Something I can''t do either.

Ow doesn''t work but has a car under government scheme he has company car.

He wants to buy me out of Spanish house
Have half of fmh
He lives with OW but says he needs his own place as OW is in remission from cancer if she dies the house is her sons, although she took out a mortgage on it to give money to sons as in debt, her husband had died and I was told at the time she was well off, that seems to have changed now.

So he will have house in Spain , he will live at hers, then buy something else and rent it out! While I get just half what''s fare abit that after 39 flipping years !

  • itsbeenalongtime
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25 Jun 16 #480469 by itsbeenalongtime
Reply from itsbeenalongtime
IT does seem that the ones that start this seem to hold all the cards. I suppose because they have had plenty of time to get their heads around the impact, whilst those that have been blindsided are distraught with emotions.
Stay strong, we will get through this. xx

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