The Separation

Separation generates an overwhelming amount of paperwork, correspondence and tasks. Staying organised is not glamorous, but it is one of the most effective things you can do to reduce stress and keep your case on track.

Documents to gather and keep

• Marriage certificate
• Bank statements, all accounts, last 12 months minimum
• Mortgage statements and property valuations
• Pension statements and cash equivalent transfer values (CETVs)
• Payslips or accounts if self-employed
• Credit card and loan statements
• Any existing wills or life insurance policies
• Documents relating to any businesses
• All correspondence from solicitors and the court

Create a filing system

A dedicated folder, physical or digital, for all separation-related documents is essential. Organise by category: court documents, financial documents, correspondence, children's matters.

Track deadlines

Court deadlines are not suggestions. Missing a deadline can have real consequences for your case. Maintain a simple calendar or spreadsheet tracking every deadline, what needs to be done, when and what the consequence is of missing it.

Keep a correspondence log

Note the date and content of every significant communication, calls, meetings, emails. This creates a record that can be invaluable if there are later disputes about what was agreed or said.

Financial and legal admin

Bank accounts and credit

• Open a bank account in your sole name
• Redirect your salary and income to your sole account
• Notify your bank of the separation and freeze or close joint accounts
• Cancel any joint credit cards or overdraft facilities
• Check your credit report for any accounts you were not aware of

Benefits and entitlements

• Check eligibility for Child Benefit, Universal Credit, Housing Benefit, and Council Tax reduction
• Update your tax credits or Universal Credit claim to reflect new circumstances
• Notify HMRC of your change of circumstances