beginnersmind,thank you. Weve been separated 20 months now and ive hung on and done everything right but after his Christmas message to find out he is actually living with OW is too much.Trouble is, Im 60 in May and really want to retire from teaching at least full time. But I wont be able to afford the rent here and our house in midlands empty 18 months wont sell.I fled back to my home town and family when it happened as I had a sort of breakdown it was such a shock. Ive sent him an e-mail-first contact for months- to ask him to keep his phone locked and said since he has moved on theres no point in remaining married. I asked him to look out for soliciters letters and not ignore them. I know this is a risk-its a big 180 for me- but Ive waited 20 months with very little contact and am now prepared and strong enough to go on with divorce.Im truly exhausted with this and know him so well- he is such an avoidant I can see myself in same limbo situation for years living in poverty.But my heart is breaking I love him still.Will you be able to get a legal settlement without a divorce? What will you do if he stalls like my H?Thinking of you love from England.