After the divorce, the British tabloids continued to report on Ferguson's lifestyle. In 1995, a baggage handler at
John F. Kennedy International Airport in New York City pleaded guilty to stealing her diamond necklace and bracelet, valued at $382,000. Her first autobiography,
My Story, was published in 1996 and received poor reviews. A second autobiography, ''
Finding Sarah: A Duchess's Journey to Find Herself'', was published in 2011 and addressed her financial difficulties and public challenges. Until 2004, Ferguson and Andrew continued to share the family home,
Sunninghill Park in Berkshire. That year, the he moved to the refurbished
Royal Lodge in
Windsor Great Park, which had previously been the residence of his grandmother,
Queen Elizabeth the Queen Mother, until her death in 2002. In 2007, Ferguson rented Dolphin House in
Englefield Green, less than a mile from Royal Lodge. A small fire in the bathroom at Dolphin House in 2008 led her to vacate the property and move into Royal Lodge with Andrew. In 2015, Ferguson was reported to have moved out of Royal Lodge and taken up residence in
Verbier, Switzerland, where she and Andrew owned a £13 million
chalet. She applied for Swiss residency the following year. As of 2016 she also maintained a rented apartment in
Eaton Square, London. In 2025, she sold a townhouse in London's
Belgravia for £3.85 million, having purchased it in 2022 for £4.25 million. The property had originally been bought as an investment for her daughters and had been rented to a tenant. As one of the victims of the
News International phone hacking scandal, which came into public attention in 2006, Ferguson received an undisclosed sum in an out-of-court settlement. In April 2016, she was named in the
Panama Papers.
Debt problems In the mid-1990s, Ferguson was reported to have had a £4.2 million deficit in her bank account, which she addressed by undertaking what was described as "a four-year earning spree" in the United States. The lifestyle company was intended to support her "career in publishing, media and public speaking". Hartmoor collapsed in 2009, leaving Ferguson with debts of £630,000. although other sources estimated the figure at closer to £2 million. Email exchanges released in February 2026 suggested that Ferguson might have been lent money by
David Rowland and his private bank. In September 2009, a business contact wrote to financier Epstein stating that Ferguson had travelled to Nepal, "paying for the first class flight with her rowland [
sic] bank loan." Despite her support, vVoosh filed for administration after failing to launch its app, which collapsed without ever launching a product despite receiving more than £1 million in UK government research and development tax credits and raising about £9 million in total. Fernandez allegedly withdrew large sums and left the country, and the charity never conducted any work and was shut down. Bloom and Evers were driven in Andrew's car from their Knightsbridge hotel to the Palace. They later attended his Pitch@Palace event at St James's Palace before dining that evening with Ferguson, Andrew, and their daughter Beatrice. They had taken out a mortgage of £13.25 million and were expected to pay the remaining £5 million of the purchase price in cash instalments by the end of 2019; Despite reports that the Queen would assist them, a spokesperson for Andrew confirmed that she "will not be stepping in to settle the debt".
The Times reported in September 2021 that Ferguson and Andrew had reached a legal agreement with the property's previous owner, and would sell the house to pay back their debt. The owner agreed to receive £3.4 million, half of the amount that she was owed, as she had been under impression that Ferguson and Andrew were dealing with financial troubles. The payments were reportedly made after intervention from Andrew, who had
a close friendship with Epstein for which he came under scrutiny in 2019. On 7 March 2011, she admitted getting money from Epstein and called it a "gigantic error of judgment". In the summer of 2011,
Finding Sarah aired on the OWN network. One episode of the US-filmed reality series depicted Ferguson meeting with
Suze Orman, the internationally known financial advisor, receiving from Orman a strict lecture and practical advice on how to resolve her financial issues. Juan Alessi, a staff member at Epstein's Florida residence for 12 years, said in an unsealed deposition that he believed Ferguson visited "only once and for a short time". In September 2025, newspapers published emails showing that Ferguson had contacted Epstein in April 2011, despite her public statement in March 2011 that she had severed all ties with him. In the email, she wrote that Epstein was a "steadfast, generous and supreme friend" and said she must "humbly apologise" for her earlier remarks. According to her spokesperson, the apology followed what was described as a "
Hannibal Lecter-style" phone call in which Epstein threatened to "destroy" her. Following renewed scrutiny prompted by the email's publication, seven charities, of which Ferguson was patron or ambassador (namely the
Teenage Cancer Trust,
Julia's House,
Prevent Breast Cancer, the Natasha Allergy Research Foundation, the Children's Literacy Charity,
British Heart Foundation, and the National Foundation for Retired Service Animals), individually announced or confirmed that they had ended their association with her. In October 2025,
The Mail on Sunday reported on leaked emails between Epstein and his lawyer in 2011 suggesting that Ferguson had celebrated Epstein's release from jail in 2009 by visiting him in New York, where she had taken her young daughters with her. A representative for Ferguson stated that neither she nor her daughters had any recollection of such a visit. However, email exchanges between Epstein and his assistant in July 2009 showed that the latter had bought "British Airways" flights for "the Duchess", totalling "for all tickets: $14,080.10", with another email detailing out a lunch meeting at Epstein's
mansion in the same month to which Ferguson intended to be accompanied by her daughters. Another email sent by Ferguson in January 2010 reportedly showed that she was seeking more than the £15,000 she had previously admitted to taking, as she had asked for "50 or 100,000 US dollars to help get through the small bills that are pushing me over". In June 2009, she emailed him to ask for his advice on how to "start The Mothers Army company so it can be commercial". In October that year, she sought his assistance with her financial difficulties, writing: "I urgently need 20,000 pounds for rent today. The landlord has threatened to go to the newspapers if I don't pay. Any brainwaves?" Ferguson and Epstein also discussed her potential personal bankruptcy in a 2009 email chain with businessman
David Stern. On 30 January 2010, she emailed Epstein saying, "I am at your service. Just marry me". In March 2010, a "Sarah" appeared to refer to Eugenie's love life in response to an email from Epstein, stating she was "Just waiting for Eugenie to come back from a shagging weekend!!". In July 2010, Epstein asked whether there was "any chance of your daughters saying hello" to his god-daughter Celina; Ferguson replied that Beatrice was in London with Andrew, though it is unclear whether any meeting took place.
Cash for access In May 2010, Ferguson was filmed by the
News of the World offering
Mazher Mahmood, an undercover reporter posing as an Indian businessman, access to Andrew (who was
Special Representative for International Trade and Investment) for £500,000. On the video made as a documentary source for the story, which is publicly available, Ferguson is heard to say, "£500,000 when you can, to me, open doors". She is seen taking away a briefcase containing £40,000 in cash. Exposure surrounding the
cash for access incident increased her public profile and notoriety.
Sterling Publishers substantially increased the print run of
Ashley Learns About Strangers, Sarah's latest book for children; however, the notoriety did not translate into additional book sales. In an interview with
Oprah Winfrey, titled
Oprah and Sarah Ferguson, Duchess of York, Ferguson explained her behaviour by saying that she had been drinking prior to soliciting the cash, and was "in the gutter at that moment". She also claimed that her intention was initially to help a friend who "needed $38,000 (£28,000) urgently" but she ultimately asked for more money due to her own financial problems. In November 2016, it was reported that Ferguson intended to sue
News Group Newspapers (parent company of the
News of the World) and its owner
Rupert Murdoch for £25 million in damages citing her "loss in earnings" as well as the subsequent "distress" that the media sting brought to her as the main reasons. In January 2018, it was reported that the actual amount Ferguson was seeking was £45 million. In March 2022 it was reported that the wife of jailed Turkish politician
İlhan İşbilen alleged that Ferguson received at least £225,000 from businessman Selman Turk, whom Mrs İşbilen is suing for fraud. An additional £25,000 was sent by Turk in October 2019 to the bank account of Ferguson's younger daughter, Eugenie, the second instalment of which was referenced "birthday gift", reportedly "to pay for a surprise birthday party for the Duchess". Ferguson was owed £225,000 by Pegasus Group Holdings for her role as brand ambassador, but she received the full amount from Turk, who was then set to reclaim the money from Pegasus. These charges carry sentences of up to 22 years imprisonment. Turkey and Britain have an extradition treaty; however, Home Office officials have stated: Turkey maintains that Ferguson distorted information about the orphanage and used an isolated incident in a smear campaign against the Republic of Turkey. Turkey invited international human rights organisations to inspect any orphanage of its choosing to show its transparency in relation to the issue. On 5 May 2012, the trial began into the charges brought by the Ankara State Prosecutor's office. Cansu Şahin, representing Ferguson, who was not present, told the Ankara court that her client has apologised and would like to plea-bargain with the prosecution.
Health In June 2023, it was announced that Ferguson had been diagnosed with an early form of
breast cancer following a routine
mammogram. She successfully underwent a single
mastectomy at
King Edward VII's Hospital, and her doctors stated her prognosis as "good". She also underwent
reconstructive surgery following her mastectomy. In January 2024, it was announced that Ferguson had been diagnosed with
melanoma after having several moles removed for analysis. ==Charity work==