Useful forms to save you money and help the process below:
This is "the big form" talked about by those going through divorce. Below is the link to this form in order to complete what is termed financial disclosure you will need to complete the form.
Please click on the Form link below:
USEFUL FORM the below gives a useful outline of the main changes to pensions following the 2014 budget
Starting the divorce process...
USEFUL FORM If you have not started the divorce process you can print off the form below, and bring it with your marriage certificate to the mediation session and we can help you to work through it if you are both in agreement.
The new form to petition for divorce went live on 7th August 2017. This is much easier to complete yourself if you are not using a lawyer than the previous version. Take a look at the link.
To access the divorce petition please click on the link below:
If you have any queries about the form Green Light Mediation Clients can simply bring a draft form to the next mediation appointment and providing you are in agreement we can check your form for you before you send it off.
New court fee of £592 to petition from 30th September 2021
there is a court fee of £232 required for a child arrangements order from 30th September 2021
Form P, the pension enquiry form
How much child maintenance am I supposed to pay?
Ideally you will work out this figure based on your children's needs and what each of you are able to provide. It is useful however, to know what your statutory requirement (ie. the amount the Child Maintenance Service could pursue you for if your case was referred). Below is a link to an easy to use online calculator to enable you check:
*Additionally if you want to vary a financial order by consent there is a court fee of £50 and without consent the cost is £255 (this figure could rise in Autumn 2021 so check the government website to clarify).
HOW LONG WILL IT TAKE?
The Divorce Process & Approximate Timescales
The PDF below provides an outline of the divorce process itself on a step by step basis with an indication of the timescales involved:
The Divorce Process, step by step is explained on the PDF above.
WORRIED ABOUT THE IMPACT
ON YOUR CHILDREN?
Child Psychotherapy Trust provides information on children’s emotional development, leaflets only www.childpsychotherapytrust.org.uk.
We may be able to offer workshops for couples seeking to protect their children from the effects of separation and divorce. Please email us to indicate an interest : email@example.com
See also our "Children Page"
See the season video below about mediation:
Family Justice Reforms April 2014
These family justice reforms put children clearly at the heart of the family justice system and focus on children’s needs rather than what parents see as their own ‘rights’, Justice Minister Simon Hughes has announced.
The changes come as the new single Family Court becomes a reality and most of the family justice provisions from the Children and Families Act are implemented.
In 2011 the independent Family Justice Review, chaired by David Norgrove, found the family justice system was no system at all. The review found that vulnerable and damaged children who were meant to be protected were having their ‘futures undermined’ by excessive delays, with care and supervision cases taking an average of 56 weeks.
This seriously harmed children’s chances of finding a permanent home and potentially damaged their development, as well as causing them distress.
The government has acted on the 2011 Report. The family justice system has gone through a period of significant and wide-ranging reform, including a major reduction of delays in care cases to an average of 33 weeks.
Family Justice Minister Simon Hughes said:
For too long children have suffered from excessive delays and confrontational court battles. Our reforms will keep families away from negative effects of battles or delays in court and make sure that when cases do go to court they happen in the least damaging way.
These reforms mark a significant moment for the family justice system, when the proposals made by the Family Justice Review are delivered. But this is not the end of the process I want to continue to work with David Norgrove, so we have a family justice system which has the welfare of children at its heart.
Ten hidden consequences By Kevin Peachey Personal finance reporter, BBC News continued....
1. New pensioners blow their savingsThis scenario has been much discussed immediately after the chancellor's Budget speech, but George Osborne says that new pensioners can be trusted to organise their own finances.Some people might decide that their pension pot, locked up during their working life, will provide a nice lump sum to use to celebrate retirement with a holiday of a lifetime, a massive party, or - as the pension minister admitted - a Lamborghini sports car.But it will be clear to all that in doing so, they take away the option of using those savings when money is tight in retirement, especially if they underestimate how long they will live for.The new flat-rate state pension will provide just over £7,000 a year of income to fall back on - described by the chancellor as "generous", but much lower than the vast majority of people are used to during their working life. At times, individuals will receive this years after they have access to their defined contribution pension pot.In Australia, where people are already able to withdraw lump sums easily,recent evidence suggests that most retirees invest the money or use it to clear debts, but a few choose to buy holidays or cars.2. House prices riseFreed of the need to put their pension savings into an annuity, new pensioners may decide to use the money to invest in property instead.Mark Giddens, partner of accountancy firm UHY Hacker Young, says: "With pensioners no longer being railroaded into investing in annuities, they will be looking for other higher-yielding investments - that inevitably means a huge boost to buy-to-let investments."Unfortunately, it is often the case that the higher the yield, the higher the risk."There is also one other big hole in this theory. The City watchdog's recent review of annuities found that the average pension pot was only £17,700. That is hardly enough for a deposit, let alone a house or flat.3. Older people get a shock tax billAnyone who decides to take all their money in one go will not escape the taxman.Continue reading the main storyBudget documentsPDF downloadDownload full Budget documents[2.05MB]Most computers will open PDF documents automatically, but you may need Adobe ReaderDownload the reader here"This [plan] gives people the key to unlock their pensions and take money out, but they must remember that there are tax implications," says Anne Redston, professor of law at King's College, London.Put simply, the money will be categorised as income, and so will be subject to income tax. Anyone taking out a large amount in one go might find 40% income tax is levied on some of it.Instead, retirees might decide to take it out in small chunks over the years, stick with an annuity, or seek advice for tax planning.4. Con artists rub their hands with gleeRetired people are usually top of the hit-list among con artists.Now, it is likely that people approaching retirement will be targeted with a string of investment scams.Rogue operators will know that catching someone just as they have access to their pension pot could be very lucrative. The advice, as always, is that a deal that looks too good to be true usually is, and that no decision needs to be taken immediately.5. Existing pensioners feel left outThis Budget was dubbed as a victory for pensioners, but this new flexible arrangement will not be available to most existing pensioners at all.The new system is planned to be introduced fully in April 2015, but only for the 320,000 or so who retire each year with a defined contribution pension pot.Those who have already bought an annuity are receiving their annual pension income and are locked into that deal for the rest of their life.If this annuity was bought in the past few years, the likelihood is that it was not a very good deal, because of economic conditions and monetary policy. So the recently retired may feel as though they have missed out on greater choice and better deals.6. Remaining annuity deals are less generousMillions of people are being signed up to defined contribution pensions, through the automatic enrolment workplace pension scheme.Continue reading the main storyPension schemes explainedFinal-salary scheme: Guaranteed pension based on earnings at end of your career and length of service. Also known as defined benefit schemesCareer average scheme: Guaranteed pension based on your average pay over your careerDefined contribution scheme: Determined by contributions and investment returns. Usually worth less than final-salary pensions. Savings used to buy an annuity, or retirement income - until nowIt is very difficult to work out at this stage whether the changes will be better or worse for those who still decide to choose an annuity when they reach retirement.Less demand could mean insurance companies are unable to offer such good deals, but fewer customers might mean they need to be more competitive."The new rules might mean that annuity companies improve the rates they offer. The excess profits made from captive customers will hopefully disappear," says Tom McPhail, of Hargreaves Lansdown.But Paul Johnson, director of the Institute for Fiscal Studies (IFS), said: "It will likely make annuities even more expensive for those who do want to buy them."Annuity companies may also concentrate on offering other types of financial product for pensioners, such as bonds.7. The Bank of Gran and Grandad opens for businessThe amount of money tucked away in pension pots might not be very big - not enough, as mentioned earlier, for most to buy a property.Yet, a significant chunk of cash could be used as a loan to grandchildren who are struggling to get on the housing ladder, or facing the cost of paying for further education.However, as explained earlier, taking out a big chunk of money in one go will probably lead to an income tax charge for Gran and Grandad.8. Inheritance tax becomes a bigger issueWhen you buy an annuity, your pension pot is spent on an annual income that lasts for as long as you live. The longer you live, the better value for money it is.As a result, insurance companies selling annuities are making a calculation or bet based on how much longer they think you will live. Smokers and those with health problems can get a better deal, owing to the shorter life expectancy.When you die the income generally ends, so cannot be claimed by your family.Under the new rules, a pension pot can be taken as cash, become part of your estate, and be passed on to your children. However, unless it is invested in a way that avoids inheritance tax, it could push the assets left in a will over the £325,000 threshold that means inheritance tax will be levied.9. The mis-selling threat picks up againMillions of people will still save for retirement in a pension organised by an insurance company. This company will have your money and will try to encourage you to use it to buy one of their products when you reach retirement.Clearly, there is nothing wrong in that, although it might not give retirees a clear picture on whether it is a good deal. With lots of financial firms wanting to get hold of that money, there is a danger of a minority of them overstating what is being offered.The sector is regulated, giving individuals the opportunity to challenge and win compensation if they are mis-sold a product.The government is also making it a requirement that retirees receive some guidance from their pension company, but it is not clear whether this will be impartial or free.10. Companies lose a source of creditThe vast majority of annuity money is invested in bonds, which flows through to businesses.If the annuities market were to collapse, then this would reduce this supply line of credit to companies, the BBC's business editor Robert Peston says.That could make businesses more dependent on banks for credit once again.More on This StoryYour PensionsPension BasicsWhat now for retirement income?What is an annuity?The chancellor's plan to unlock pensionsAnalysis: Old age pensionsQ&A: Defined contribution pensionsState pension: The overhaul and youHow to save for a pensionQ&A: Pension automatic enrolmentHow to cope with pensions issuesWho benefits from enhanced annuities?Five questions answeredPublic and private pensions comparedGuide to public sector pensionsCareer average explainedQ&A: Retirement rules and youAnalysisA hidden cost of Osborne's pension reform?Automatic pension enrolment timetableHow the bond bubble hits pensionsPensions tax relief and austerityRelated Internet linksUK TreasuryDepartment for Work and PensionsThe BBC is not responsible for the content of external Internet sites