Economic abuse is a form of domestic abuse in which finances, assets, and resources are misused to gain power and exert control. It often occurs alongside other types of abuse and can have a lasting impact on survivors. Below, we explore how economic abuse is defined, what signs to look out for, and the legal avenues available.

What is Economic Abuse?

Economic abuse, as recognised under UK law, involves behaviour that significantly and negatively affects an individual’s capacity to acquire, use, or maintain money or other property, or to obtain goods or services. In practice, this can mean anything from withholding access to basic necessities like food, clothing, and medication, to restricting a victim’s ability to earn income or own assets.

Economic Abuse and Domestic Violence

Economic abuse is a legally acknowledged form of domestic abuse. According to legal definitions, it can include preventing a partner from:

• Having access to funds for personal expenses
• Owning a personal mobile phone or mode of transport
• Accessing essential utilities, such as heating or housing

The overarching aim is to make the victim financially or materially reliant on the abuser, thus creating a barrier to independence.

Common Signs of Economic Abuse

Abusers often manipulate a victim’s finances and property to maintain control. Key indicators include:

• Restricted Access to Finances: The abuser handles all money or bank accounts, limiting or preventing the victim from using them.
• Excessive Scrutiny: Every purchase is micromanaged, and the victim must explain or justify all spending.
• Sabotaging Income: The abuser prevents or hinders the victim from working, such as limiting working hours or forbidding any job.
• Incurring Debt: Forcing the victim to sign credit agreements, or building up debt in the victim’s name without their consent.
• Refusal to Contribute: The abuser refuses to pay household bills or living expenses, potentially causing rent or mortgage arrears, credit issues, or eviction notices.
• Limiting Access to Essentials: Basic needs—like food, medicine, and toiletries—are withheld.
• Property Damage or Theft: Damaging or stealing items so the victim is forced to spend money on replacements.

How Economic Abuse Fits into Domestic Abuse Law

Under the Serious Crime Act 2015, coercive or controlling behaviour is considered an offence if it adversely affects another person’s day-to-day life and safety. Economic abuse falls under this banner.

For instance, if a partner uses access to money to threaten or intimidate a victim—by withholding essential finances, refusing to pay bills, or trapping them in debt—this can be classed as coercive control.

What to Do if You’re Experiencing Economic Abuse

1. Seek Professional Advice

   • Contact the Police (999) if you feel in imminent danger.
   • Surviving Economic Abuse offers guidance, resources, and an advice line for those who suspect they’re victims of financial control.
   • Charities and Helplines such as Women’s Aid and Refuge can provide emotional support, safe housing, and practical help.

2. Speak with a Family Lawyer

   • Post-Separation Abuse: Economic abusers may carry on their controlling behaviour even after separation. They might withhold marital assets or delay divorce proceedings intentionally.
   • Legal Tools: Family lawyers can request specific orders to protect you, such as:
     • Freezing Orders (preventing the abuser from selling or transferring assets)
     • Occupation Orders (regulating who lives in the family home)
     • Interim Maintenance Orders (assuring some financial stability during legal proceedings)

3. Document Evidence

   • Keep a record of financial statements, text messages, emails, or any communication showing restricted access or controlling behaviour.
   • Gather details about shared accounts, assets in your name, and any attempts to limit your economic freedom.

Divorcing an Economic Abuser

Abuse can persist during divorce through tactics such as:

• Hiding Assets: Failing to disclose property or money.
• Driving Up Costs: Delaying proceedings to force you into higher legal fees.
• Controlling Strategy: Using the court process to continue undermining your financial position.

If you suspect this happening, seek immediate legal counsel. A solicitor experienced in economic abuse cases can help ensure you retain access to fair settlements and the resources you need.

Contact HM & Co. Solicitors

If you think you or someone close to you is affected by economic abuse, it’s vital to know that help is available. Our expert team at HM & Co. Solicitors can offer clear, compassionate legal advice on how best to protect yourself and any dependants.

• Address: 186 Lower Road, Surrey Quays, London SE16 2UN
• Telephone: 02071128180
• Email: info@hmsolicitorsltd.com

Remember: You have the right to economic and personal freedom. By recognising economic abuse and knowing the legal paths available, you can move towards a safer, more secure future.