CCM15395 - Undisclosed Partners: Separated couple living at the same address

CCM15070 acknowledges that a separated couple may sometimes continue to live at the same address for financial reasons. Usually this is because one or both of them would be unable to buy or rent suitable accommodation or they cannot sell their old property or there would be a significant penalty to pay if they redeemed their mortgage.

Where a customer says they are still living at the same address as their ex-partner you will need to consider what aspects of their financial or domestic circumstances have changed. (This text has been withheld because of exemptions in the Freedom of Information Act 2000)

• (This text has been withheld because of exemptions in the Freedom of Information Act 2000)

These can be difficult and sensitive issues but what you are trying to establish is whether a married couple or civil partners are separated in such circumstances as to be permanent. And for other couples are they are still living together as husband and wife or living together as civil partner.