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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Advice- not sure where to start

1 reply

Sowhat1976 · 21/02/2026 00:27

H and I live in a rented property. We have 2 kids. No real assets apart from pension. Loads of debt but separate debt. I have a loan and he has a credit card. After 16 years together it seems impossible to separate things out. I pay some of his direct debits and he pays some of mine. He's left the family home but I'm not sure what I need to do and when. We also have a joint claim for UC. Although. He earns approx 40k. Any advice would be helpful. We havenr even yold the kids yet.

OP posts:
BookArt55 · 23/02/2026 20:27

Set a date with him, if amicable, to get this all sorted by. Two weeks is enough time to contact everyone.
Then get the ball moving. Make a list of everything from your account that is his, send it to him, ask him to do the same.
Joint account- again, create the list and send it to him.
Call UC and get that changed. Then start calling your bills and stopping them. Then on your deadline you cancel all of his direct debits coming out of your account.
Bills- council tax, water, gas, electric, rent, anything else- call and get them changed to yours. Including the rent, get his name off.
Debt- is it equal? The debt in yours and his name. If it is then I would just oay your one and leave his to him.
I would be very clinical and set thar deadline or it will be ongoing and cause issues and conflict.

Lastly, set a date and ask him to come over to tell the kids. Don't let them guess/overthink/worry about the issue. Dad has loved out has got them wondering already so do it soon.

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