Posting here first re: domestic abuse - keeping yourself and children safe, then after that some info about divorce and financial settlement.
Domestic abuse, get help and support:
www.gov.uk/guidance/domestic-abuse-how-to-get-help
Making a safety plan:
www.womensaid.org.uk/information-support/the-survivors-handbook/making-a-safety-plan/#1447926965137-d1ebb2d0-ef20
"If you do decide to leave your partner, it is best if you can plan this carefully. Sometimes abusers will increase their abuse if they suspect you are thinking of leaving, and will continue to do so after you have left, so this can be a particularly dangerous time for you."
In an emergency, always call the police on 999. Teach children to do this.
If in danger, need the police, and can't speak? Instructions here:
www.domesticabuseservices.org.uk/latest-news-articles-advice/silent-999-call/
Easy to read poster here: www.domesticabuseservices.org.uk/wp-content/uploads/2019/04/Silent_solution_poster.pdf
For more information about domestic abuse go to:
The Survivor’s Handbook www.womensaid.org.uk/information-support/the-survivors-handbook/
Protecting children:
www.nspcc.org.uk/what-is-child-abuse/types-of-abuse/domestic-abuse/
Re – Divorce and Financial Settlement.
The financial settlement aspect is very important. To know what a fair split of assets is and to reach a financial settlement divorcing parties need to know what the assets of the marriage are, and what each asset is worth.
Each party fills out Form E and sends it to the other. Each party has to give full and frank disclosure. Each party should attach to their Form E evidence of their financial position, including income. This is a requirement.
Look at a Form E. Its is a long document in which each party sets out their assets, income, and financial needs. You can see in it the assets that are taken into consideration upon divorce and financial settlement, for example property (the former marital home), pensions, stocks and shares etc. It also lists the documents needed that show the value of assets for example CETVs (cash equivalent transfer values of pensions - which can be requested from pension providers).
To find out what some assets are worth an independent expert can be used. Property can be valued by an expert - estate agents, pensions by CETV and / or a pension on divorce expert (PODE) report and so on. It is important to decide what needs a valuation by an independent expert and factor in the costs of these.
Pensions can be very valuable – equivalent or more than the value of the former martial home in some cases. Divorcing parties might hold different types of pensions (not like-for-like, so difficult to compare without an expert). Circumstances might be complex for example an age difference or pensions in payment. One party may have stayed at home to look after children.
The income, earning capacity, property, and other financial resource which each of the parties to the marriage has or is likely to have in the foreseeable future is taken into account. As I understand it, first consideration is given to the welfare (while a minor) of any child of the family who has not yet attained the age of eighteen.
The needs of each divorcing party are taken into account and as I understand it 50 / 50 is the starting point – so unequal shares based on circumstances and needs is possible, for example 60 / 40. If one party has additional needs, this is taken into account for example, less earning power or income due to disability or health conditions.
Section 25 lists the factors the court will take into account when deciding how to distribute assets on a divorce or dissolution. Pdf here:
images.ctfassets.net/o8luwa28k6k2/2cpp2mEMwBJWJLuzTiTruB/b5397e7459154fad8927826a2c99acdd/section-25-expert-guide.pdf
Full and frank financial disclosure is required and usually provided when Form E is exchanged.
If after Form E there is missing information / evidence Questionnaires may be exchanged to retrieve it and if still missing after that Deficiencies are exchanged. A solicitor’s letter can be sent to retrieve financial information evidence. A Court Order can also be applied for to gain financial information / evidence / valuations that is missing / essential. (If a party is reluctant to disclose information or provide evidence like a valuation of pensions, this may be where the money is).
These offer a free advice session about pensions on divorce and separation
www.moneyhelper.org.uk/en/family-and-care/divorce-and-separation/divorce-or-dissolution-how-we-can-help-with-your-pension
Free advice line (busy so keep trying) rightsofwomen.org.uk
Guides on divorce and financial settlement
www.advicenow.org.uk/guides/how-apply-financial-order-without-help-lawyer
Pensions on divorce
www.sharingpensions.co.uk/penaudit3.htm
www.mediateuk.co.uk/the-ultimate-guide-to-pensions-on-divorce/
www.nuffieldfoundation.org/news/new-good-practice-guide-addresses-shortfall-in-understanding-of-how-to-treat-pensions-on-divorce
Valuation of pensions – pensions on divorce expert report
www.collinspensionactuaries.co.uk no relation – useful website
www.collinspensionactuaries.co.uk/pension-data-collection/ templates for information required
Legal advice should be sought.
This link gives you an indication of hourly rate for solicitors
www.gov.uk/guidance/solicitors-guideline-hourly-rates
Some organisations offer free advice from solicitors and barristers rightsofwomen.org.uk/get-advice/ On their FAQs page…”Our Legal Officers and Volunteer legal advisors are all solicitors and barristers”.
Some family solicitors offer an in initial free consultation and some a fixed fee rather than hourly.
Some barristers can be directly instructed e.g., via Clerksroom Direct
Mumsnet suggest www.advicenow.org.uk/tags/separation-divorce-and-dissolution-civil-partnerships
Advice Now is a website helpful for litigants in person (an individual that is not represented in court by a solicitor or barrister, but nevertheless has rights of audience). www.advicenow.org.uk/divorce-and-separation
Legal Aid
You might be able to get legal aid if you have evidence that you or your children have been victims of domestic abuse or violence and you cannot afford to pay legal costs.
www.gov.uk/legal-aid/domestic-abuse-or-violence
In financial settlement, look after the older woman you will become.