Divorce Group Chat
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Hi Suzy, Thanks for your response. We have seen each others financials now and we have reached an agreement. Thanks for sending the consent order link later on. Please can you also send the link where we can speak to a solicitor to say that we understand the terms of the agreement. I recall you mentioning this on one of the monthly calls. Thanks so much for your help
vera
Hi V I’ll get that link over to you later today - but just to be clear, without full disclosure (with proof of bank statements etc) then there is no strong foundation for the agreement made. It is not advisable to create a consent order without you both being transparent about the finances. Even if you just have one mediation session (giving the mediator access to the financial info) to create an MOU - that then provides a solid basis for the Consent Order. You can get vouchers for mediation so it won’t cost much as Joanne can get the cost covered by the vouchers. So it may not cost you or your spouse extra and it does the job properly. It is deeply concerning that your spouse does not want to be transparent about his finances - this is a legal obligation. Just saying.
Suzy Miller
Please can you resend the link for applying for the consent order as I cannot seem to find it. Thank you so much.
vera
You mentioned at one stage the option of cheaply talking to a solicitor to ensure the husband knows what he is doing. Please can you provide that information too. Thank you.
vera
Hi Suzy, We have reached a financial agreement so I would appreciate your advice now on the necessary steps needed now to move forward to get the consent order in place. We are currently filing out the D81 form. Thank you kindly, Vera
vera
Hi Suzy, Thank you so much for your speedy and informative response. I really appreciate it.
vera
Hello Vera - hope the following clarifies what to do next: Be absolutely certain that long term (after retirement) your settlement leaves you with an equitable split - the only way to be sure of that is to talk to Henry. You don’t need to fill in a Form E but the information needed (bank statements/pensions etc) is what Henry (and a mediator) need to see to make sure you are agreeing to a fair settlement that the court will also agree to. Although this may not be relevant in your case if someone puts the wrong or false information on the form E then legally you would have a case to overturn a consent or Financial order, but if it’s never filled it in and signed that this was the correct information, then you wouldn’t be able to do that. The D 81 is a summary of that information. It is not the nitty-gritty details of how much money from a bank account has been spent on crypto et cetera. Because of your health issues it is particularly important that you get advice from Henry about what your needs are, and if the agreement that you have with your spouse covers you then that’s fine - but Henry still needs to see the veracity of the information through bank statements and pension information just to make sure that what he’s advising is indeed an equitable split. Your spouse may be completely transparent and that would be fantastic but you only get one chance to do this properly so if your spouse does not want to provide bank statements and other evidence that is a RED FLAG. It’s what everybody does in a divorce so why would you not expect that from him? If he doesn’t want the onerous task of filling in the form E then Henry effectively helps you do that providing your spouse provides the information. The D 81 is a summary of all of that information on one form that will be submitted alongside the draft consent order. It is what’s filled in at the end of the process but that process really does need to include full Financial transparency. So what matters here is not the Form E so much as having access to at least a year of bank statements and other financial information before filling in the D81 and committing to a financial agreement. If your spouse is struggling to accept any of the above then in a mediation session with Joanne she would help him realise that this is definitely what needs to be done.
Suzy Miller
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Hi, I have just spoken with the mediator that you recommended who was very helpful and knowledgeable. It would be great to work with her however the cost of the meetings are quite substantial for our budget. We do not fulfill the criteria for vouchers. Is there a way to keep these mediation meetings to an absolute minimum so we can keep costs down? We are in agreement of the financial split so we don't feel that we need to spend money we don't have on costly meetings that we cannot afford. Please let me know what is the bare minimum amount of meetings we need to secure a memorandum of understanding and an open financial statement. I appreciate that every individual case is different. Obviously if there are no other options or cheaper options we will have to proceed however I would like your advice first. Thanks so much.
vera
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Hi Suzy l have sent 2 emails to Henry to the only email that l have,when he replied to me about the form. What do l do now?
Nav
Thank you for your kind words! Appreciated!
Suzy Miller
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Hi Nav Henry usually provides an alternative contact - are you not able to book on a time speak to him? What about the original link to his calendar? The financial information is based upon needs - what is fair and equitable. But if there are particular circumstances (inability to earn enough income due to childcare or illness etc) and concerns over having enough to retire on - Henry is the best person and most affordable to accurately work that out. If you have the financial info he needs and you book in a date to talk to him - then things should move swiftly.
Suzy Miller
Hi Suzy, I've tried to get in touch with Henry again. I'm hoping he'll reply after half term. I'd like to discuss with Henry which package will be best suited to my situation now. I'm feeling the pressure now to say, do and provide information to my advantage and need someone who will help me to get the best settlement and leave no stone unturned to achieve thos outcome What happens if he is unable to reply asap? Thanks Nav
Nav
Hi Navreen. The only pause is the time it takes you to come up with a couple of sensible ways to split the finances as discussed this evening. I hope you manage to reconnect with Henry and have a chat with Joanne if you're not happy with your current mediator. If you follow my suggestions you should be able to agree a settlement and get it turned into a Consent Order in time for submitting it at the conditional stage of the divorce process. It all depends how the mediation goes and whether you need arbitration etc.
Suzy Miller
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Hi Navreen - so have you spoken yet for your free no obligation session with Chartered Financial Planner Henry Elliston? Has he asked you for more information in order to help you be clear on how best to split the finances? When you have those choices (as described in the Fair Settlement Summit) then the mediation is used to cut a deal (unless your spouse already agrees without that).
Suzy Miller
Hi again. I've now got the cetv and l think that was the last part for my Form E. I'm now looking into a financial planner/advisor but been told that there are 2 parts left to do before that. Some forms to complete and send to the court before l can do the final part of the pensions and assets settlement. I'd like to know what l need to complete now? So many forms and timeliness! Thanks Nav
Nav
Hi Nav - that is between you and Henry. But he costs less than lawyers and he’s more useful. Just ask him what is involved for him to create a couple options of how best to split the finances so your souse has a choice.
Suzy Miller
Hi Suzy, l've spoken to Henry before my financial statement forms were handed in. I can see that things can get difficult during tte settlement. Would Henry be able to check if im getting a fair deal before an agreement and how much will that cost?? Thanks Nav
Nav
Hi Nav - did you not talk with Henry the financial planner? He can work out how best to split the finances and pensions and allow for your needs going forwards. Then in the mediation you cut a deal based on that (ideally two) versions of what works for you. Otherwise what are you mediating if you haven’t got that information and proposals already prepared?
Suzy Miller
Hi Suzy, thanks for that. Where would l get the cash flow chart from? We've had the 1st part of our mediation and we still need to get a CETV from one more pension provider. I will need to claim some of his pension to be able to purchase a house for my young adult sons and myself. I work 4 days. What percentage would be given and how will that be made fair? Nothing was really agreed on so not sure what im expecting in the next 30 mins session. Thanks Nav
Nav
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Suzy, Regarding your comment above, "Once the petition has been accepted by the family court (after it’s served) then your husband must legally provide details of his finances..."; my divorce application has now been checked by court staff and accepted and I've been informed that the documents have been sent to the respondent. Can I now ask my husband provide what's known as full and frank disclosure of finances, assets and pensions? And if so, might you have a template letter for guidance on how to word the correspondence? Thanks
Clarey
Hi Suzy I need someone to check my Form E / G before sending it over to my Ex solicitors to ensure I am covered in the event she doesn't engage in mediation. Who do you recommend I speak to please who can help me with this? Thanks Mark
mark
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Morning suzy, yesterday i did send my email d89 and my husband picture, i have completed all question and also discribed him. Yes i need the arbitrator .
Mimi Romero
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Also Mimi - when requesting interim spousal maintenance - request money to cover any legal or other divorce-related costs. It is unfair if your spouse can afford support but you can’t. So the cost of working with Henry and the mediator Joanne should be requested as reasonable costs that are also going to keep you both out of court. Plus ask for some money to allow me to support you with some 1-1 sessions.
Suzy Miller
Hi Mimi. So first you need to justify how much you need (Henry can help you with that - have you emailed him yet to book in a call? Then write to your husband explaining that you need financial support until the divorce financial settlement is reached, provide evidence of that (Henry's assessment/your basic needs etc) and give him a deadline to respond (eg 5 working days) with instructions of where to transfer the regular payments etc. Make it clear to him that if he keeps you financially disadvantaged during the divorce process, then that is in effect 'financial control' and you will be forced to take legal action and apply for a court order for maintenance pending suit. Hopefully that wil do it and if not (it would be sensible for him to comply), you will have saved some time in getting a legal solution. If your husband does not respond then let me know and I'll introduce you to a lawyer to help you request MPS. Best wishes Suzy
Suzy Miller
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We can discuss this on Saturday Steffan in our 1-1, or at the meet up Online this Thursday. Using the court to get things done is slow and expensive and can often be avoided, it is there as a back stop. If you have the CETV and Henry (have you spoken with him yet about the finances?) says that’s good enough, then not to worry. If you need more accuracy then it will be to your husband‘s advantage to do that because if you have to estimate, presumably you’re going to estimate in your favour? Right? Focus on the strategy - don’t take the bait. Just gather as much financial info as you can and choose your battles wisely. Suzy
Suzy Miller
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Hi Lydia. I can get that done. Please can you email me direct with the correct email address you want me to use for the introductions? suzy@startingovershow.com
Suzy Miller
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Regarding the dtour.life platform, I read that we can use it if we are subscribing to The Secret Divorce Group. i see the link to the dtour.life site, but could you please tell me how we would log in/register? Thanks
Ryan Clark
Thanks Suzy. I have been updating financial information, as that will (hopefully!) be exchanged tomorrow. I will spend the day carrying out the next steps you suggested.
Ryan Clark
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Yes thanks, I just booked in
Ryan Clark
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Hello suzie Pension update, if a cetv was obtained and submitted sep/oct 2024 via solicitors when i has representation I am now lip and other party are aksing for updated version do i still need to submit one if it is less than 12 months since last Also other oarty are asking for randon statements from 23/24 all submitted via solicitor and updates january 2025 Do i have to comply and just given them statementd from jan-jul 2025??? How do i check my cetv pension myself , regrettably trusted my solicitor will all and now i am here ? And if they’re asking for 2022 statements as stated solicitor did not provide?? Then why did they mention this prior finances of February 2025 Or are they just trying to intimidate me now i am alone Sorry but how do i get information for cetv pension This is what there asking for don’t know if it is exactly what the court are asking for Don't know now i am LIP they being intimidating all statements were resubmitted jan 2025 before hearing



Jaswinder
Good morning suzy , as i am lil other party are now preparing for the fdr and are asking me to give certain details , but keep advising me for missing statements, car insurance policy, asking about why i am using paypal have not declared a paypal account ???? I use PayPal to pay for amazon please please can i ask for your advise on how to reply. As i am lip, and heading to a fdr , other partys solicitors are asking for information can i please ask for advise on how to answer this , repeatedly asking for statements asking about paypal being used , but if these were not answered previously would this not have been addressed to a judge or questioned to my previous solicitor , they are asking random request that would and should have been answered by my previous solicitor prior to every hearing ?? Please could you help as i am so lost and scared Thanku jas
Jaswinder
Hi Jaswinder - I’ve just sent you a link to join dTour.life - this includes a way to upload your bank accounts and those of your spouse (or any financial information you have) and create your own cash flow forecast showing your financial needs. There is also a coparenting plan template. If you want to work with the mediator Joanne - let me know and I can give her access so she can see your info - which she needs to do before you attend mediation. Also Ruth can help with the coparenting plan. Use the cashflow forecast to demonstrate your financial NEEDS - if you are working with a debt charity I can also give them access. Do not give access to your spouse or their lawyer - this is your safe space. They receive only what you choose to export and send them.
Suzy Miller
Hi suzy What would the cost be for a cash flow forecast ? Even tough i am LIP and with the sourness of my case i still don't think i should ignore the fact and let the judge know about my financial state once the house is sold and being let homeless with a disabled child Do you have a template to fill out a fp8 form or can i just email the court and advise i am a LIP
Jaswinder
Hi suzy, Still have not heard from joanne I did receive a email this morning advising me she was looking forward to our call and i have not heard from her
Jaswinder
Hello Jaswinder - I'm trying to find out what happened to Joanne. Let me know when she gets back to you.
Suzy Miller
If you provide Henry with the financial information and what you need to live on, mortgage/rent etc and care for your child - he can provide a cashflow forecast that demonstrates your needs clearly - which the judge seems to not be fully aware of. So he can do that for a fee (way less than legal fees) - and it's the most essential service you need right now.
Suzy Miller
Afternoon suzy, Unfortunately henry can not advise me with financial side ??
Jaswinder
Children matters is separate from the finances. If you follow my suggestions you can ask for costs against Ex if he forces court - but if he's smart he'll do mediation or arbitration because it saves him money and time as well. A barrister may be needed if you have to stop him taking your child away or not to contribute financially or defend a court action etc - but that's expensive even direct access (no solicitor involved) - but again, try to use arbitration and demonstrate you want to stay out of court and request costs against him if he unreasonably forces court as the only option. Talk to Rebecca - she's a solicitor. Because it's all a bit of a mess, you many need a session with a lawyer to make sure you comply with any court orders already created or oppose them because you are already embroiled in that system to do with the children. But for the finances - do everything you can to keep it out of court. That's what the courts want. Better for you AND your STBX. But again, because of current legal wrangles, you may need one session to get advice but you may also get all you need in a free conversation with the arbitrator, as she is most likely going to be your best option if your spouse doesn't want to mediate or fails to cut a deal.
Suzy Miller
Hello suzy would u recommend a barrister , as i feel going alone i totally ruined my life ???? I do not see Ex completing outside of court , he has the means and money from father to go all the way and he want to ruin me and his child as she live with me and cao has been filed from my end 3 weeks ago as he threatened me with child arraignments and to use my code on conduct against me for child court and cafcass judge accepted this
Jaswinder
For some reason the Letter template (making clear to a spouse how to avoid court and put a good case therefore for them paying costs if they force you into court just the same) won't load - so I'll email it direct. Any one else following this who wants a copy, let me know.
Suzy Miller
Hi Jaswinder - this may be because this was done via solicitors and the courts not DIY - but even so, if your spouse wants to delay to use dispute resolution, it would seem ridiculous to make you fill in loads of forms and pay money. They WANT you to stay out of court. So I suggest I intro you to an arbitrator - as you need to be clear on how that works as the alternative to mediation if your spouse can't come to an agreement that way - and she is also a solicitor so should be able to guide you on how to approach this court delay within your complimentary chat. You can then recommend her services to your spouse as another way to avoid court. I've attached the draft LETTER that can be used to clearly state to your spouse why and how he can avoid further legal fees, and it requires you to have already recommended mediation and arbitration (dated requests that you log in the letter). I recommend adapting the tone of the letter as well with Ruth's help, or with Joanne's - but you need to prove you have offered stay out of court as the best option and so you need to have spoken to and offered your spouse the chance to speak to both Joanne and an arbitrator. Don't want to overload you, but it's important to not only talk to Joanne, but then immediately request that your spouse speaks to her and considers mediation. Because of the nature of your STBX, also talking to and requesting he speaks with an arbitrator as soon as possible would be wise, due to the time restraints you have because of court dates. Obviously, you don't want to go into the mediator or arbitration until you have clear financial plans from someone like Henry, to explain the fair way to split the finances.
Suzy Miller
Hi suzy, I have a call with joanne on Friday this week ? I called the courts today as per them advising me the conditional order was read out on the 17th april, and i can apply for final order ? I called advising court i want to delay this as i have not concluded on finances to which she replies D11 form needs to be apllied for consented with ex £60 Non consented alone £190 Nit sure on what to do as i did not apply for the divorce myself , was done via solicitors ? They also advised to fill in a fp8 to tell the courts i have no representation i am a LIP
Jaswinder
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The link to get a ticket is here - see you later! <a href="https://bestwaytodivorce.com/divorcing-a-difficult-spouse-live-workshop-uk/" target="_blank">https://bestwaytodivorce.com/divorcing-a-difficult-spouse-live-workshop-uk/</a>
Suzy Miller
Hi Suzy, Could you add me to the workshop at 7pm today please? Many thanks!
Lydia
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Hi Suzy I’m awaiting a call but can’t remember who you said to adjust letter
Claire
I shall intro you to Joanne our specialist mediator now, and give Henry a nudge. It's great to see you taking control of this process. Any questions, come back to the group for support.
Suzy Miller
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Hi Noel, I can introduce you to a solicitor who used to support dads through the charity Families Need Fathers (now Every Parent Matters) so he is very experienced in these situations. He is also a trained mediator and collaborative lawyer, and part of the Amicable Divorce Network UK - so he genuinely wants to reduce the use of the courts and will be highly ethical in his practice. In other words, he won't ramp up the bills unnecessarily and if you want to do some of this DIY, he can support that. To speak with him, you would have to book in a paid session for legal advice and then take it from there. I can introduce you via email. Let me know if that's what you want me to do. I think he would give you sensible advice and if you use a direct access barrister, then you don't need to pay for a solicitor to be in court as well, which keeps the costs down. Have you contacted Lisa with the new court dates? Lisa is happy to work with you if you have a solicitor advising you, but don't want them to be running the whole show - so you get advice from your solicitor and the writing up of legal orders etc, whilst the barrister argues your case in the court. Or you can hand it all over to a solicitor to liaise with the barrister - it just costs more that way. So your plan of getting the solicitor to write up the statement and the barrister for the court date, is a good one! Let me know if you would like the introduction to the solicitor, and confirm if Lisa is able to support you, or do you need to speak to another barrister? Best wishes Suzy
Suzy Miller
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The online coparenting calendar I recommend is Our Family Wizard: <a href="https://shareasale.com/r.cfm?b=212922&u=1930759&m=25791&urllink=&afftrack=" target="_blank">https://shareasale.com/r.cfm?b=212922&u=1930759&m=25791&urllink=&afftrack=</a> It is the only one that is GDPR compliant. Nothing can be deleted. And if necessary a judge can order that the other parent uses it. Howver, I recommend that a coparenting plan is created on which the OFW app is the practical application. There is a good template for a coparenting plan inside dTour.life. If you still need a link to access dTour.life online divorce management system, let me know. It's part of your subscription.
Suzy Miller
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Hi Nicola, You can pay a legal person to act as a concierge service, but it's a very expensive way to do it, when you can equally get 1-1 support for way less - because most of what you need to do doesn't involve any legal advice. If you need that, then you have your lawyer available on an hourly basis. You can involve them as much or as litte as you like - but best to just use them when you actually need legal advice. Which may be little or not at all. If you 'instruct' a lawyer then they become the person your spouse needs to send info to. But that is very expensive and usually not necessary, if you only actually need a lawyer in the background to work on an hourly basis ad hoc (unbundled). Just check they are happy to work that way. You don't need to instruct' them, unless you need them to be a go-between but that will cost a lot of money. If you want more 1-1 support on just staying on track. and reducing the need for using a lawyer for things that are nothing to do with the law, you can join the Secret divorce Group combined with a monthly 1-1 zoom with me as a subscription via this link: <a href="https://startingovershow.thrivecart.com/subscription-strategy-session-uk-sdg/" target="_blank">https://startingovershow.thrivecart.com/subscription-strategy-session-uk-sdg/</a>
Suzy Miller
Thanks so much - I am filled with so much fear and doubt that I can do it without a legal person taking the lead.
Nicola
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If looking to encourage your solicitors to commit to keeping you out of court if at all possible - that’s what these lawyers have committed to: <a href="https://members.amicabledivorcenetwork.co.uk/member-directory/" target="_blank">https://members.amicabledivorcenetwork.co.uk/member-directory/</a>
Suzy Miller
I’ll make that intro to Ruth now. However I do recommend talking also to the financial expert as unless you have got a clear long-term cash flow forecast justifying the way you want to split the assets, then what exactly is it that your mediating? It’s vital to be able to justify the way you want to split the assets, because if you then do get dragged to court, you’ve got something that even not a very clever judge could understand and think was perfectly reasonable. That judge would then be much more open to the fact that you shouldn’t be in court at all and that you have genuinely tried to stay out and have a strong case for costs. If you’ve already got a mediator who is experience working with very difficult people, then fantastic. If you do need someone who is much more experienced in that area, and who also works collaboratively allowing professionals to come into the mediation to explain the finances for example, or to provide emotional support off-screen during sessions, then some mediators are happy to do that but others are not. All of the above are part of the strategies of keeping you out of court. I would recommend that your Mediator applies to join the Amicable Divorce Network UK if they haven’t already. And also your solicitor. By using solicitors from the amicable Divorce UK again you are demonstrating your intention to stay out of court.
Suzy Miller
Suzy, please can you put me in touch with the "communicating with a difficult Ex" expert? For me, this is a process I am already deep into. So I'm looking to pick and choose individual pieces from your resources to supplement what I'm already doing via my divorce solicitor and mediator.
Sukh Bhattal
I'll get that template letter over later Sukhvir. And shall I make those intros for complimentary no obligation consultations with the financial, mediation and 'communicating with a difficult Ex' - experts? It's important that you provide a clear pathway to staying out of court to validate the fact that your ex has no need to access the courts, and therefore, should pay your costs.
Suzy Miller
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Hello Siriol. Shame you missed the zoom - it went on for over an hour! I've just re-emailed you your to-do list, and once you've had a chance to read that through, any questions, pop them into the chat here. If you need more 1-1 support, there are useful links in the to do list that I've included. Best wishes Suzy
Suzy Miller
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Hello Lydia. dTour.life seems to be fine - not sure why you are getting those update requests. Are you able to log in? If so, the Support Chat is very helpful. If not. -let me know and I'll message them.
Suzy Miller
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Hi Alicia If you’re working with a financial planner like Henry Elliston who I would most likely have introduced you to, you do need to have a history of the finances in order to make reasonable and accurate projections going forwards. So it certainly makes sense to request those in the interest of making a clear plan of how best to divide the assets. Your STBX can try to argue that he only needs to give you a year, but one option is to make some assumptions based on the information you have and based on his tax returns in the past - which there will be some made publicly available. It’s not great for Henry as far as accuracy, but it does mean that you can make some educated guesses - that are in your favour. And then when you present the financial projections you can say how you had to just make an educated guess, and if he could provide you please with the accurate information you’ll be able to revise the figures. But in the meantime, this is what you’re going to have to work with as far as what you think would be fair and reasonable and this is the basis for your mediation. You make it clear that either mediation or arbitration are the best options and that if you’re going to have to go to court for any reason, that you should get costs from him to pay for your legal fees because there’s no reason why you would need to be in court other than him refusing to do mediation or arbitration. Which would be completely unreasonable and not very smart on his part. At this point he may consider that he’s better off doing mediation and then what’s the point of discussing financial plans based on false information because he hasn’t provided the correct information, and suddenly that game that people play of “ Oh I don’t need to give you more than a year “ starts to feel a little bit flat. If you’ve got a good case and I think with a business that’s quite reasonable, you can try and get a court order that asked him to give more information but to be honest - I think the strategy above is more effective, quicker and far less expensive. And definitely worth a shot. The whole form E thing is a very clumsy tool designed to simply show what goes in and out and to give something for lawyers to argue over. By working with a financial expert who does long-term cash forecasting, like Henry, you’re able to do accurate projections and work out a sensible way to split things. It’s blindingly obvious to do it that way, but lawyers lose a lot of money so it’s only people like me who suggest that you should be working with a financial expert rather than the lawyer in these early stages because they’re the ones qualified to help you decide what is the fairest way to split everything looking into the future at both of your needs.
Suzy Miller
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Suzy Miller
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Is that Sarah Minot? dTour.life is a separate company but I pay the subscription on your behalf. If you check you're emails for info@dtour.life you should find your login details. Or go to <a href="https://www.dtour.life/" target="_blank">https://www.dtour.life/</a> and log in (top right). Any questions about using it, just message me here in the group. Best wishes Suzy
Suzy Miller
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