The house is worth £265,000. There is £181,000 left outstanding. He has a pension but has been on sick leave for 7-8 months due to a bowel disorder and is about to leave after advice from his doctor. He has £60,000 in debts and unsecured loans. She has a serious health condition and is in receipt of benefits She has a 19 year old Autistic son. The man has a 3 month old baby, a son of 15 (who does not live with him) and an Adult daughter of 22. He lives with his new partner and baby and her two sons aged 13 and 16. The older boy is Autistic.
She (wife) left their shared home nearly two years ago. He does not know exactly where she lives but she has moved back to her home town. He speaks very occasionally to her father (business man) and her sister (solicitor) who appears to be acting on her behalf. She (wife) is not working as she has recently had a serious illness. He (husband) is receiving statutory sick pay from his work. The husband wants to sell. He received the following conditions this week from the wife's father via email:
They are not in the process of divorce. They have separated.
The man had no debts at beginning of the relationship but took out a loan to pay for refurbishment of his old home in order to sell it, so that is effectively his debt. He then paid for their wedding and she used his credit cards and paypal excessively. He is not aware of any assets that she has. He has no further assets. The husband has no money to start divorce procedings.
He estimates that £15,000 is her debt (from her personal spending).