Decisions and help after financial abuse

[WildAngels]

I’m now separated (detail removed by moderator), and the impact and scale of financial abuse is becoming clear.
Is there somewhere I can go for advice? Ive tried lots of different places, but they all only want to discuss one thing (or charge you).
The things are all connected
1. Re-mortgage and husbands rights to house (including ending current fixed term mortgage)
2. Student loans (for oldest DD)
3. Universal credits
4. Divorce and fees and charges
Theres so many what ifs
And now Ive seen how much the student loans are decreased, and impact on UC Im really unsure about taking a new job offer
I cant afford to get this wrong

[Marmalade]

Hi WildAngels,
The house would be sorted in a divorce. What happens to it will depend on your individual circumstances but the starting point is 50/50 split of assets.
The best person to discuss this with is a solicitor. They will give you advice on the divorce and the likely financial division. They can also advise on income claims. Look for a solicitor who does family law. Some offer a 30 minute initial free consultation.
The reality is that for more in depth advice on your divorce etc you will either need to pay or ask if you are eligible for legal aid.
As far as UC and student loans are concerned, you can also ask Citizens Advice. They have advisors who specialise in benefits and the advice is free.
A student maintenance loan is assessed on parental income. The more you earn, the more you are expected to contribute. You will need some advice on your specific circumstances to see what is best for you.
Good luck.

[WildAngels]

Thanks @marmalade

[StrongLife]

I went to financial counseling to deal with banks because it was overwhelming. They dealt with more than this. Ultimately, best option at the time as I was no longer living in house and had fled.

[Haven]

Hi Wild Angels,

I actually discovered that my (detail removed by moderator) branch (originally my secret stash account but balance fluctuated depending on how the relationship was going) They were trained to support DV and scooped me up when I had a melt down. They spent one to one time with me and arranged a free appointment with their financial advisor who had actually been through this herself. She gave me lots of advise and helped me open up a credit card (never had one before and it helps with your credit score). (detail removed by moderator)

House will be split 50/50.

Go to citizens advice and they can help you complete your UC application and physically go into a job centre too.

Find your local food bank and don’t be proud to get help with essentials so you can use your funds on fresh foods.

As marmalade mentioned you can call solicitors and have first half hour free over the phone. You could do this numerous times so you have answers to all your questions.

I hope it all becomes clearer soon. Small steps in moving forward and gaining financial control is very liberating when you have had none.

 

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