Hi Claire. Thank you very much. Good to hear from you. And so soon.
The house is worth around £600,000. And the flat possibly only £150,000 of which 50% is my ex-husband's brothers.
The rent on the flat is £874.99 every 4 weeks - 13 payments each year of which approx 3 payments cover service charges etc, and the balance is split 50:50 with his brother.
As mentioned my pension plan is being wound-up, and I understand this will go to the government Financial Assistance Scheme? I got some figures from Capita recently who are currently looking after the "Cuthbert Heath Family Security Plan" which are:-
Total Pension at Date of Leaving £2,676.12 pa (I left the scheme 30.11.93, which is the date I assume they mean?)
Total GMP at Date of Leaving £739.96 pa
Total revaluing non-GMP benefits at Date of Leaving £1,936.16 pa
Total non-revaluing benefits at Date of Leaviing £0 pa
I do not know what the value of my ex-husband pension is. It is with Fujitsu and I would guess he has been there 10-12 years, but had a pension before that, which would have been transferred into that one. He also had a private pension at one stage that he cashed in and paid a largish lump sum into his Fujitsu pension, and he also still has a small private pension.
We have no items of big value, just usual household items and furniture etc.
We have a car, but I didn't get much chance to use it, so I borrowed money from a member of my family to buy another - that he has agreed I don't have to start paying back for a couple of years until all my finances are sorted. When my husband reinsured the family car (originally the insurance was in my name, and he was just a named driver) he did not insure me too so I have no use of it - although he expects to (and does) pay for fuel, tax, mot, AA, repairs etc out of joint household money.
My ex-husband does give me some money each month just for me - but he has twice as much himself cause he says he earns it, so it's his - but he says its paying me to do his washing and cooking and clean the house and do the shopping etc.
I hope this is sufficient - is there anything else you need to know?
I look forward to hearing back from you, and thanks again.
Kind regards - Julie
I don't know?
I need to stay in London, which is expensive - our house is only modest at £600,000 - because my children are in college here plus I need to stay with my current doctors and St George's hospital because of my on-going treatment - medication, minor ops and check-ups etc
Ideally I would like to stay in this house - for the sake of the children, they have lived nowhere else and can get to their respective colleges? But I would need financial assistance (though I would either way). And what do I do if my ex-husband wont move out?
Kind regards. Julie
Yes - they are both still in full time education
Regards - Julie
Probably from September 2013.
Sorry it has taken so long to get back to you.
Firstly before I talk about the above, I thought no money would be taken from my account if I wasn't happy with the reply? And £33 was taken out straight away? Plus another £43 has just been taken??
Can you please let me know about that urgently please as I do not have enough money in the account at the moment? Thank you so much,
Also with your reply above - it does not really tell me anything that I have not told you?
How did you get to the 70% share without knowing the value of his pension etc?
Also I am entitled to the inherited property under English law - I have already been told that. You say I am not - why do you say that? And what about the rent money on the flat?
I needed to know if best to wait two years or divorce now - which is best for me - and why?
You advise me to start divorce proceedings asap. But you don't say why? Or how I do that? How much its costs? Or how long it takes? Will the house have to then be sold immediately?
You say I cant stay in the house? But you don't mention the kids still living here and being in full time education still - where do they go?
At this juncture I am not happy with the reply and do not want to join the membership. Please refund the £33 and £43 asap. if you cannot do that yourself, please forward this to whoever can and let me know who please and how I can contact them, as I need that money back in my account urgently to avoid any bank charges. Thank you. Julie