I appreciate there are related topics on this subject but having read them all, and I have, I am still unclear and I can not find anything that fits my situation. Background......... Married for five years been separated for five and now the ex has filed for divorce. The catalyst is I am coming to the end of 28 years service and she knows about the lump sum and pension and is claiming that I owe her circa £18,000. Why? This part maddens me. Before we married she had a house and unknown to me at the time a recent loan tied within. She decided to rent to a 'trusted' friend as a private arrangement and she moved into married quarters with me. This 'trusted' friend failed to pay rent and eventually absconded from the property. I done the honourable thing and covered the mortgage and loan within for several months, accrued debt in the process but it was all on the understanding that when the house was sold she would repay these debts. The house sold for circa £30.000 less than the original estimate but she did pay some of the debts off with what was left over i.e. the £18.000. She has now stated that this was a 'verbal loan' to pay off my unsecured debts with no mention of the fact that I accrued these debts to keep her head above water for a house and loan that did not have my name against any of it. It appears she has convieniently refrained from telling her solicitor this. The worst part is she borrowed £25000 of my father and has listed this as my debt to him! I am a single parent to an 11 year old to which she was a step-mother (his natural mother left me high and dry when he was a baby). The claiming ex wife works full time, grown up daughter working full time and a son at college but working part time. I have been in a debt management programme since we parted and am soon coming to the end of paying creditors off. Strange thing is that whilst she has filed for divorce through the courts this financial claim is seperate and is coming from letters through her solicitor, i.e. no courts involved. Sorry for the long winded background in which I bear my soul but just after any advice or knowledge from anyone with similar past experience. I am reluctant to get a solicitor as I spent £10.000 securing residence orders and parental responsibility orders for my son.