Divorce financial disclosure - advice needed

daska

Dooky wrote: »

Hi, thanks for all responses. The deed of trust stated that it was my property. I took legal advice and they said there is no dispute that house was majority mine, but from date of marriage the property technically turns into marital home. I'm trying to avoid court as it took me 3 years and £3k in costs to divorce. You can divorce someone and sort finances out at later date, especially to his non cooperation. My solicitor advised me against it as I wouldn't have a claim on his pension if he died suddenly. I wasn't bothered about that. I don't want a penny from him, just want him off my mortgage as I currently can't even change deal or lender without his signature. He's told me he'll sign mortgage paperwork to get himself off it once he gets what he's owed!
He moved into a ready made house, came with nothing, so in my eyes should leave with nothing. Marriage lasted 18 months! He hasn't contributed anything towards mortgage payments in last 4 years, I'm even paying his life cover on the mortgage. A true leach. Oh well you live and learn!

I don't for one moment believe that half your house worth less than £3K. Avoiding using a solicitor for the finances for the sake of £3K might be a more expensive mistake than marrying this guy in the first place!

SuzieSue

OP, from what you have said, your ex will not get anything from your house so you need to make a claim on his pensions and then hopefully he will agree to dropping his claim for a share in your house. You MUST make a claim on his pensions otherwise you will have no bargaining power.

SuzieSue

If you will get no benefit from his life cover then you should stop paying it today.

Valli

SuzieSue wrote: »

If you will get no benefit from his life cover then you should stop paying it today.

She will benefit IF he kicks the bucket, as the mortgage would be paid off (I assume) at least. At the time of taking out this policy she had an insurable interest; she is perfectly at liberty to continue to pay the premium and then benefit should it pay out.

OP needs to calculate remaining premiums and compare them with the benefit; it might be a condition of the mortgage loan so OP would be foolish to simply stop paying.

OP like Daska says; paying out for a solicitor now would be a sound thing to do; solicitor could well get you a better deal in the court; as your ex is being adversarial this is going to be a hard fight.