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what does marriage mean to you?

What does Marriage Mean to You?

What does marriage mean to you?

Rachel Donald
Rachel Donald

With the wedding season approaching, many of us will find our social calendars brimming with vows for the remainder of the summer months, not to mention the investment in wedding attire, presents and supportive pre wedding celebrations.

As a family lawyer, I can’t help but wonder whether many of the happy couples have given a great deal of thought to what marriage means to them from a legal perspective.

Why would they?

Every couple enters into marriage with the absolute belief that marriage is for life“until death do us part”. It’s always the last thing on most newlyweds’ minds to even consider the possibility of their relationship breaking down and the financial impact that may have in years to come?

The Law Commission have recently issued a report recommending that more information is provided to couples before they get married so they are aware the financial implications marriage can have.

It is a sad reality that modern day Britain sees a very large proportion of marriages ending in divorce. And with rates on the rise as a society, we do not appear to be getting any better at staying together.

prenuptial agreement www.thedivorcemagazine.co.ukRecent studies suggest that married couples who make it to their 10th wedding anniversary are more likely to avoid separation. But conversely figures are rising for the so called ‘silver separators’ who are experiencing an increase in divorce following retirement.

People divorce for many different reasons but the one thing all divorcing couples have in common is that on their wedding day they had usually have very little knowledge, if any, about the legal implication of their commitment.

So, what if, the unthinkable happens and separation is contemplated?

After pooling together resources, sharing a life together and often raising a family, the idea of dividing the hard earned assets built up during a marriage is an emotional and daunting exercise for many separated couples.

What was the family home often becomes a major point of dispute. Suddenly the inheritance received by one or other of the couple during the marriage becomes an asset to protect as do the pre-owned item and chattels which one or both might have brought with them.

What about the family business – how will that be affected? How can the ‘pot’ be split?

The answers to many of these questions will depend upon the extent of the financial resources at their disposal: the first step towards a fair outcome has to be for each spouse to tell the other what they have, what it is all worth and what they each earn.

bride and groom - www.thedivorcemagazine.co.ukThe question is then how it could and should be shared. This is usually where an experienced family lawyer will ensure a fair arrangement is agreed in a constructive and amicable way.

If you have any reservations about the financial implications of marriage and the impact of a potential divorce, it is important to speak to a family lawyer and deal with any assets which you may wish to protect, such as family inheritance or a business.

It may be appropriate to enter into pre-nuptial agreements which are becoming a popular solution for many couples as they are now recognised in the English Courts.

So should we all know more about what we are entering into when getting married? Saying that there should be some legal guidance on this issue sounds very unromantic and I don’t want to put people off getting married, but I do think it’s important to know the implications of whatever endeavour we undertake so we can make informed decisions.

I have no doubt that for many of us marriage will continue to form the basis of our family units regardless of the legal implications.

But without wishing to give “something blue” to every marrying couple, would it not be better for everyone to know where they stand before saying “I do”?

 

Rachel is a Senior Associate in the Family Law Service at the city law firm Charles Russell LLP, based in the firm’s Guildford Office.

Charles Russell’s family team is within the magic circle of family lawyers and advise on domestic and international family law. Rachel specialises exclusively in family law and advises on all matters including divorce, civil partnership dissolution, pre-nuptial agreements, cohabitation and matters involving children.

Rachel has particular experience with high net worth financial cases, enforcement of matrimonial orders, cross jurisdictional maintenance disputes and appeals against the Child Maintenance Service.

Email: rachel.donald@charlesrussell.co.uk

Direct tel: 01483 252548

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Income and Divorce

Income and Divorce
Paul Gorman
Principal Partner
Beaufort Planning

Aviva’s Winter 2013 report explores the growing diversity among UK families fuelled by trends in cohabitation, separation/divorce and remarriage.

Past relationships are teaching families valuable lessons about managing money yet Aviva’s latest Family Finances Report also paints a worrying picture of unprotected incomes and outdated policies.

The Report reveals:

  • Nearly half of adults who live as part of a modern family have experienced at least one previous committed relationship (involving marriage or cohabitation) prior to their current family set-up.
  • More than one in six have had two or more past committed relationships, with 5% having had three or more.
  • More than one in three marriages is a remarriage for at least one partner, with 15% involving a remarriage for both parties.
  • Almost a third of two-parent UK families include one or more children from a previous relationship.

Income and Divorce – Financial arrangements in the modern family context can be stretched and complex:

One in three families with children from past relationships in December 2013 received financial support from an ex-partner. This includes almost one quarter who get a regular income from this source and 10% who receive occasional payments.

Regular monthly payments received range from less than £50 per child to more than £1,500, averaging out at £254 per child, per month. One in three who receive financial support rely on it to make ends meet, while another 38% would need to make major cutbacks to manage without this income.

With this is mind, it is worrying to read from the report that only one in four knows for definite that their former partner has financial protection – such as life insurance, income protection or critical illness cover – in place, that could be invaluable in helping secure maintain these regular payments in the event of ill health, incapacity or death.

Disturbingly, almost one in five know that their ex-partner’s finances are definitely not covered, another 30% fear this may be the case.

With many adults experiencing more than one committed relationship, any change in family circumstances can have a significant impact on financial arrangements.

Updating bank accounts and mortgage/rent agreements seem to take priority when a relationship ends, with Aviva findings suggesting that only 6% of affected adults fail to make such changes following a separation.

In contrast, almost one in five fail to update their will, potentially leading to future complications.

It is very much understandable that housing and a place a live is the main concern, this is an immediate need that requires action and attention.

Yet, it is also really important to look at and consider your all round finances during divorce and as hard as it is consider not just immediate and short term needs, but also your needs over the medium and long term.

Paul Gorman

www.beaufortplanning-westmidlands.co.uk

 


Sources: www.aviva.co.uk

 

divorced dads
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Family Mediation in practice: Case Examples

Austin Chessell
Family Solicitor and Mediator at Shortands Solicitors

1.    How mediation has helped couples;

2.    When the mediation process has encountered difficulties;

3.    Were those difficulties in mediation terminal or were they overcome in some way?;

4.    The client’s relationship with the mediator.

 

How family mediation has helped couples

“Co – mediation’’ – Case example 1.

A lot of couples attending family mediation like to have two mediators in the room giving a gender balance. From the start the mediation sessions may have a lot of tension in the room and arguments following on from when the relationship ended.  It’s really important that your mediators or at least one of them is very good at dispelling any tension in the room.

We aim to focus the clients’ attention on the issues they have raised in the intake sessions whether they are children, financial or miscellaneous issues pertaining to their family situation. Some of the benefits of using family mediation include:

  • Resolving family disputes outside of court and through mediation is less adversarial.
  • Being in a less informal environment than a court room gives clients the opportunity to make informed decisions themselves.
  • If an order is made at court by the Judge there is a possibility that neither party may like the decision.

 

“Shuttle mediation’’– Case example 2.

shuttle mediation
Shuttle Mediation

When clients cannot bear to mediate in the same room together as in co-mediation, another form of mediation, shuttle mediation, can then be used.  This is where each party is in a different room and the mediator(s) go from room to room working through each issue in turn.

Massy, my co-mediator and I did a co-mediation where there were court proceedings ongoing. The mother was seeking a name change while the father was seeking more contact with two young children. There had been several court hearings before the parties came to mediation. The mother was paying out thousands of pounds for representation at each hearing. The father was representing himself but did not like the adversarial nature of being in court.  At the intake session both parties struggled to be civil towards each other so the first joint session was done as shuttle mediation as were joint sessions 2-3.

A final agreement on the name change and contact was reached in the 4th session but to our pleasant surprise both parties wanted the final mediation to take place in the same room.  

Both parents had realised that after mediation had ended that both would still need to liaise with each other to arrange contact whether this was on the phone or by email and that even at their children’s wedding they are going to need to get along.  The mediation process encouraged the parties to communicate effectively.

“International Mediation’’– Case example 3.

I received an email from a father who was about to relocate with work in Japan.

The mother and father were not married and the child was 6 months old. The father was paying child maintenance which in the mother’s opinion was not enough. The mother was disappointed that the father was not playing an active role in the child’s life while the father was not happy with the fact that no contact arrangements had been made. Both clients were very reasonable and willing to compromise but they felt they needed an impartial third person present to work through when the father could have contact with the child for the four times he was due to return to London each year.

The mother explained what her monthly outgoings were and that even though the father was paying the suggested 15% of his net income for the one child there was a shortfall. When the father could see the figures of the mother’s monthly outgoings compared to what he was paying as child maintenance which I put on a flipchart the father changed his stance.  The father immediately agreed to increase the child maintenance and would update the standing order immediately. I explained it is good if maintenance can be agreed informally.

Parties can approach the CSA if one parent does not want to pay child maintenance, but in future there will be an administration charge for both parties which can be avoided if child maintenance is agreed informally through mediation.

 

Time Saved–Cases generally.

Contact, residence and financial issues can be dealt with through the courts but if these matters go to court for final hearings it could take potentially several years to get a conclusion. In my experience if both parties have mediation sessions regularly and both parties are willing to be flexible about what they seek, mediation agreements can be made in a much shorter time frame. If there are children and financial issues there tend to be 3-5 joint sessions. If it is just child or financial issues then there are around 2-3 joint issues. Joint sessions last for 90 minutes. Intake sessions last for around an hour.

When the mediation process has encountered real difficulties

Child Abduction – Case example 4.

In an intake session it was clear that both parties before they separated were in very high conflict.

The mother had also raised issues that the extended family for the father were making life too difficult for her. Despite this both parties initially wanted to mediate.

The father was having limited contact at a car park or by lifts inside a flat for 15 minutes every alternate weekend. The mother wanted to return to Pakistan with the child while the father wanted to prevent this.

In the first joint session it was agreed that the future contact sessions would take place in a more appropriate venue and that contact would be for longer duration. However, after the first session mediation stopped as both parties could still not trust each other over the child abduction aspect and passport issues were then raised. It was agreed that both parties would return to their solicitors and go to court. In most cases we reach full agreement on all of the issues raised but sometimes it may be that agreement is reached on say 6 out of 8 issues and the remaining issues are dealt with through the court.

 

Financial Disclosure – Cases generally.

Family MediaitonIn mediation some parties want to use the process to decide how the financial assets accumulated from the marriage or cohabitation will be divided.  After the intake session we give both parties a financial form to complete which details all of the assets and debts along with current and future projected income and outgoings. Generally both parties understand and cooperate to give full and frank disclosure before discussing settlement options. However, where one party is convinced that the other party is not disclosing substantial assets the mediation process cannot go any further and it may be that the clients have to use the court process to reach a conclusion.

 

Delay – Cases generally.

Most couples come to mediation wanting to reach a quick solution to their issues. However, some people have approached us to use the process as a delaying mechanism. In these circumstances mediation would not be suitable, particularly in cases where one parent has not been having contact with their children for a long period of time.

In mediation cases where difficulties came about were the difficulties terminal or were the difficulties overcome in some way?

 

Contact – Case example 5.

One couple approached me as a contact order had been prepared at court but it was not defined as to how the weekend contacts and holiday contacts should be structured.

The court order provided that contact should be shared on an equal contact basis. We looked at the work schedule and commitments of both parents and the children. It was difficult for weekends and holiday contacts to be divided equally. It was possible but as the contact would mean a lot of travelling for the children on a Sunday night it was agreed that practically this would not be in the children’s best interests as they would turn up for nursery and school on a Monday morning exhausted.

For the current year 2011-2012 the contact the father missed out on at weekends was increased during the holidays. We also discussed finances in mediation.  It was agreed that the father would look to relocate closer to the mother within the next year so that for the following year 2012 – 2013 weekend and holiday contact could be done on a shared basis.

Men often report that they feel they are being  judged by yet another female in mediation. Do you have any advice?

As mediators we are trained to be impartial whether clients are male or female. As a mediator I am not there to judge the father or the mother but am there solely to help reach an agreement in terms of children contact, residence or how to divide the financial assets from marriage or cohabitation and any other issues such as relocation which is happening a lot more in this day and age.

We do not have telephone conversations with the clients in between mediation sessions to avoid being seen as biased or judging towards one party.

I think that the mediation intake sessions are very important.  It is an opportunity for both clients to assess the mediator to see if they feel they can work together.  In some cases the clients are going to see the mediator for around 6 sessions in total so they need to be comfortable with the mediator.

It is also worth remembering that mediation is a voluntary process so if clients feel that they are not making real progress then they may have to consider other options to resolve their issues.

Austin Chessell is a family mediator at FAMIA (www.famia.co.uk) which covers Inner and Greater London. Austin is also a family solicitor at Shortlands Solicitors (www.shortlands.co.uk) at Hammersmith, London.

same sex marriage

Same Sex Marriage Bill – A Level Playing Field?

Same Sex Marriage
Rachel Donald from Charles Russell LLP

The first Same Sex Marriage is expected to take place next month.

The Marriage Bill (Same Sex Couples) legislation, which had previously divided opinion in government, was far from controversial when Parliament granted Royal Assent last summer.

The unanimous approval of the Bill by peers in Conservative, Labour and Liberal Democrat seats has resulted in wedding plans in readiness for the first legal same sex marriage, which has been long awaited for many gay couples.

The Bill has been introduced as a result of a rising awareness for the need to equalise the legal status of gay couples, which historically could impact on the financial claims available in the event of their relationship breaking down.

This Bill has finally arrived almost a decade later that the first Civil Partnership, which took place in December 2005 following the introduction of the Civil Partnership Act 2004.

This Act had aimed to place gay couples on an equal “legal” footing providing similar financial provisions to Civil Partners upon separation as those available to heterosexual married couples.

Previously same sex couples had been reliant on property and trust law to seek financial remedies after a split. This legislation was welcomed, but it was acknowledged it did not go far enough.

The Same Sex Marriage Bill takes a fundamental leap forward in confirming same sex marriages will have the exact same legal standing as a heterosexual marriage, save for  relying upon adultery when getting divorced.

The legalisation means that gay couples can now marry in a Church (if they wish to do so) if that denomination has “opted in” to facilitate a wedding. Same Sex MarriageHowever, the legislation excludes the Church of England from having the ability to opt in.

It also means that gay couples will be able to seek financial support from their spouse under the same legislation as heterosexual couples.

The Same Sex Marriage Bill means that the Government will need to review the existing legislation for Civil Partners, which will now become somewhat redundant.

There are currently over 100,000 Civil Partners living in the UK. Civil Partners will have the option to convert their partnership to a marriage, if they wish to do so.

Gay marriages will enable same sex couples to receive equal pension and state benefits to heterosexual married couples: a welcomed development for many gay couples who have missed out on benefits available to heterosexual married couples.

This legislation brings England and Wales in line with many other jurisdictions that are recognising the importance of equal rights to same sex couples not from a legal position.

This week has also seen recognition in the Scottish Jurisdiction for a similar act to be introduced in Scotland.

It will also equalise the social and economic benefits for gay couples. In that respect the Same Sex Marriage Bill goes much further than the Civil Partnership Act, which provided gay couples with an alternative to marriage, rather than equal standing to heterosexual married couples.

About Rachel

Rachel is a Senior Associate in the Family Law Service at the city law firm Charles Russell LLP, based in the firm’s Guildford Office.

Charles Russell’s family team is within the magic circle of family lawyers and advise on domestic and international family law. Rachel specialises exclusively in family law and advises on all matters including divorce, civil partnership dissolution, pre-nuptial agreements, cohabitation and matters involving children.

Rachel has particular experience with high net worth financial cases, enforcement of matrimonial orders, cross jurisdictional maintenance disputes and appeals against the Child Maintenance Service.

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