Police Pension

My stbx has a Police Pension (We have been married 39 years)and I was going to accept 27% of this to make his and mine equal. However, he has a 52000 payout on retirement and I had 5000 of this. Am I entitled to half of this money even if he has spent it. For example could it be offset against the money in the house which is minimal. Also is the amount of pension fair or as I now lose allentitlement to widows pension etc should it be more. He has now stopped payng the mortgage and is insisting I pay half which do not have. I live in the family home with my 19 year old student son. PLEASE SOME ONE HELP ME

If the lump sum was taken before the divorce then what's left as cash or goods is in your other assets to be divided. As to fairness of pension share you may not have allowed for the fact that women on average live longer than men, and so receive the pension for longer. This is your gain. However if you do as pension share then the scheme will make this adjustment and so your incomes will not then be equal. Police schemes also only start paying pensions on pension share spouses at age 60, even if his pension is already in payment.

Sorry to add to your problems. We can do reports to produce the right numbers, but you need to talk to a solictor or financial advisor to make sure you know what you want first.

Luckily for me my son in law deals with pension sharing and he had said that taking my pension into account I am entitled to 27% of my husbands pension. This would be payable now as I am 60 but in full time employment.

My stbx has stated that he will only pay half the mortgage, but he left the house in a shambles. I am left with all other expensed, council tax, water rates etc and a 19 year old in college. Does he have to pay half of the utility bills as well?

Also what if after the divorce I do the house and garden up to a better standard is he then entitled to half of the selling price. Is it possible for me to have the house valued in its present state and then come to some agreement about him having half the profit at its current market price. The house is on the market now but as prices are dropping I suspect it is over priced. If it does not sell for two or three years and I improve the property there there will be a change in its re sale value but as he will continue to pay half the morgage and I will have improved the property. Can there be some agreement about my share of the property.

This is not a man who has played fair throughout the marriage. He has cheated on me and one of his scamms resulted in our other house being sold by the bank leaving us with nothing and having to start again. Also various scams have caused a lot of debt throughout the years.

As you haven't yet begun a divorce or gone through the usual sharing of financial details as part of the ancillary relief process I'm not sure how anyone came to the figure of 27% as being what you are entitled to from your husbands pension. I think you really need to get legal advice from a solicitor - many offer free initial appointments - as you might find you are entitled to more, particularly as police pensions are notoriously undervalued...

Ihave the Decree Nisi and just need the financial settlement to agree to the absolute. To be honest I am so confused by the whole business. The 27% is to bring my pension up to the same level as his.

Hi I am no expert but an currently divorcing a police constable. To get the finances sorted has taken 18 months so far. I was strongly advised to get an actuary report to which he would ynot agree but one was ordered by the court. This doubled the CETV value therefore increases the marital assets greatly.

A lot depends on your ages. As you are 60 you are entitled to a % of his pension now. This depends on the lenght of your marraige also.

It sounds like he has been in receipt of his pension for a while as I presume he retired after 30 yrs service. Therefore you are also entitled to payments for the last 10/12 yrs (however long he has been in receipt of his pension) to compensate for the fact that he has been in receipt longer and you have had to wait until you are 60.
You will need advice on this.

A lot of police tend to say do not touch my pension show a CETV value(which seriously undervalues it- This becauase unusually the Police pension is valued at its optimal aftre 30 yrs, it then decreases in value: the CETV values it at the final day at work if they stay on past the 30 yrs, hence they all retire at 30 yrs) ) and you have the house. This obviously depends on the value of the house and any other assets you may have.

My husband wants all of his pension and half the assets! So the battle continues as this is not exactly 50:50. I reckon we will end up at a FH to have a judge tell him get a grip and be realsitc. Fingers crossed I will be sorted soon but the very best of luck to you.

You also need proof that that figure he quoted he received in a lump sum is correct because it sounds low to me. He may be pulling the wool over your eyes.

Based on my experience get an actuary report and legal advise.

Good Luck

I am 23 and half years into my police service and retitre in 6 and half years. I have a valuation done of £203,000 (cetv) of my current pension. There is £78,000 in a bank account from the sale of our house(which we cant touch yet til this matter is settled). What I want to know is what should I do in relation to settlement? I have worked out that she is entitled to £40,000 of my pension,is this £40,000 lump sum - end of story? Or is it £40,000 plus some money every month or what. I am thinking if it is a lump sum, to take my half of the £78,000 (£39,000) now and then pay her the £40,000 when I retire - my real plan is to invest the money I get now in order to stop her getting it all now should I die in the meantime. Can anyone help? A Solicitor wants £3000 to let me have this information.If this is a good idea I am thinking of sending her solicitor my CETV valuation papers and an offer of £40,000 when I retire? HELP HELP HELP!!!!