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You become an Irregular Occupant when you remain in SFA beyond your entitlement. This may occur for one of several reasons and not necessarily through any fault of your own.
Only one person can hold the licence to a SFA. It is the Service person in the family or if both husband and wife are serving it will be one or other, normally the one whose parent unit the quarter is at.
Service Person Leaves the RAF - On leaving the Service entitlement to SFA ceases on the last day of Service any length of occupancy beyond this is Irregular.
Breakdown of Marriage - If breakdown of marriage occur there is a period of 'cooling off' but once the marital category of the serving person changes from 'married' to 'separated' then a process of 'notice to quit' kicks in for remaining person in the quarter, whether that is the serving member or the non-serving person.
Full details of Loss of Entitlement are on the Defence Estates website, here