You are here: Home - Mortgages - Buy To Let - News -

BLOG: What do you need to do after your divorce is finalised?

0
Written by: Chris Sweetman
10/02/2022
If you have been through the emotional rollercoaster that is the divorce process, you’ll be keen to start your new life.

But what do you need to do to finish your divorce admin?

Your decree absolute

First, get a copy of your decree absolute and any consent order that has been filed. Your family law attorney should be able to help you with this. Also, keep a copy of the original marriage certificate. You will need these to prove to various agencies that you are now divorced. This especially applies to financial institutions such as mortgage and pension companies, who will only amend their records after viewing the official paperwork. Store these safely electronically and in hard copy, as you will need them.

Change your name

If you need to change your name, do this right away. You’ll need a copy of your decree absolute and your marriage certificate. You will need to inform the DVLA of any new name and address so your driving licence can be amended. Failure to do this could potentially result in you being fined for failure to notify the DVLA of a change of name. There is a fee for this.

Contact your doctor and update the NHS with details of any new name and address. You don’t want to miss any appointment notifications for any upcoming visits for you or your children.

Contact your bank

You will need to arrange to change your bank and credit cards. Open a new account if you need to and make sure all your standing orders and direct debits are connected to the right account. Taking the time to sort out all your bank details will save you so much time and energy.

If bills don’t get paid from the right bank account and you get cut off, it will be so frustrating. Make sure you are paying for the TV licence at the correct address too.

Many of these changes don’t have a cost associated with them, it’s just the time and effort needed to make sure everything is switched over to the right bank details. Close any old bank accounts you no longer need.

Your passport

Contact your local passport issuing office and renew your passport to show your new name. If you are planning on going away soon, the airline tickets must match the name on your passport. So, make sure you book any holidays in the name you will be using on the new passport.

Contact your local council and tell it of your new address for council tax reasons and make sure you amend your entry on the electoral roll for voting rights.

Make a new will

Moving forward after divorce means thinking about a new will. Although the divorce ends all inheritance rights between spouses, it’s important to write a new will to set out clearly where you want your inheritance and family assets to go.

If you leave your old will in place, and your former spouse was the sole beneficiary, you would be considered as dying without leaving a will and your estate may be dealt with according to the rules of intestacy. You probably don’t want this, so write a new will. There are many will writing services offered online, especially in the charity section where companies will write the will for you if you are prepared to leave a legacy to the charity.

Final checks

Finally, after a few weeks of having dealt with the immediate admin, check that the bigger changes from the divorce are concluded. Check with your solicitor that the property transfer has been completed if this is needed.

According to a divorce attorney and child custody lawyer, you have to make sure that any court-ordered maintenance payments are coming in properly. If the Child Maintenance Services (CMS) are involved, check whether they completed their enquiries to make sure your ex-spouse is paying the correct amount and on time. Ensure the financial consent order you argued about in the divorce is being put into effect.

Once you have done all these things, you can start to relax. The divorce is over and you can begin again. Treat yourself to new clothes and a few nights out – your new life starts here.

Chris Sweetman is solicitor and founder director of  Fair Result

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

Flight cancelled or delayed? Your rights explained

With no sign of the problems in UK aviation easing over the peak summer period, many will worry whether holida...

Rail strikes: Your travel and refund rights

Thousands of railway workers will strike across three days this week, grinding much of the transport system to...

How your monthly bills could rise as the base rate reaches 1.25%

The Bank of England has raised the base rate to 1.25% as predicted – the fifth consecutive rise in just six ...

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

DIY investors: 10 common mistakes to avoid

For those without the help and experience of an adviser, here are 10 common DIY investor mistakes to avoid.

Mortgage down-valuations: Tips to avoid pulling out of a house sale

Down-valuations are on the rise. So, what does it mean for home buyers, and what can you do?

Five tips for surviving a bear market mauling

The S&P 500 has slipped into bear market territory and for UK investors, the FTSE 250 is also on the edge. Her...

Money Tips of the Week