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AIBU?

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Relative burned through funds and now mooching

660 replies

coldcallerbaiter · 04/11/2023 22:41

AIBU to get involved? I have not said too much to him yet

So my cousin lost his parents in his 20s and got easily a million pounds in those days. He is around 60 now. Never had a job, playboy lifestyle in the Far East, womanising, divorces, no kids. Now he is back in the UK and has nowhere to go. Will not admit he is skint but then hints to live with my elderly mum in her spare room. He is not entitled to benefits as he never lived here and did not pay in or get credits. I do not know if he will even get a state pension later on. I think he should get a job and pay his rent somewhere but I doubt he will as working is beneath him, especially as it would be unskilled stuff, he wants to mooch off her. He has expensive tastes too and is in and out at night probably to bars. My mum is now phoning me worried in case he will not leave, also her quiet life is being disturbed

They are actually close as she was like a mother to him before he left to go abroad and were in touch all the years with visits.

OP posts:
binkie163 · 20/01/2025 16:04

I would contact the UK police and make them aware, just in case. Tell them your concerns, they can check if any warrants outstanding. He is for sure trying to stay under the radar.

dysonwithdeath · 20/01/2025 16:03

Google him see if anything comes up. Or Facebook.

LookItsMeAgain · 20/01/2025 16:00

Can you perhaps reach out to the authorities in the country/town that he came to your mother from? See if they are aware of something to do with him. When you lay out what you've put into your last post with all of the stuff that has gone on up to recent times, that does make a hell of a lot of sense.

You're doing right by your mother, just in case you needed a reminder here. That's the key thing right now.

coldcallerbaiter · 20/01/2025 15:31

It has also hit me lately, something smells that he sold property and that makes no sense. He sold his final property just before he emigrated. Selling on the off-chance
his aunt took him in as homeless seems reckless.

A property can be lived in with a lodger and so right there with no effort, your basic expenses are sorted too.

He is on the run from something. Idk if it is here or the other country. He does not want a property in his name, someone’s after him. Debts, tax, crime…

OP posts:
coldcallerbaiter · 20/01/2025 15:13

Thanks to you all for discussing this with me, I feel like I shoulld buy you all a coffee!

He did not take me up on the offer of 6 months HMO rent totalling £3000 (I think that’s generous). I would have paid directly in instalments, if he looked for a job. Puzzling, why not just take it, even if he had no intention of looking for a job. Maybe it was so that we couldn’t say’we have done enough, that was the deal’.

Ultimately, he will have to come back at some point.

The problem was too big for us to take care of (because I do believe in helping people at rock bottom). When you lay it out straight, he hasn’t said it but in effect the reality is a home for life and the home expenses paid,(not his ownership therefore not his expenses) plus his spending money topped up, unless he gets pension or benefits.

Re landline, yes being noted by emergency services at a fixed line is a bonus. idk if a cell phone can do that here, she doesn’t want a smartphone, we tried that. She can just about use a tablet at 84 and only to press the call button. We are constantly resetting it, as updates and pop ups cause confusion and she has mashed in and broken the home button in frustration on at least 2 devices so far.

OP posts:
Cosmosforbreakfast · 20/01/2025 15:01

It won't be long before we see a thread 'I let friend stay as he had been abandoned by his aunt and cousin, now he won't leave'.

I'm glad things have worked out for you OP and he's moved on but keep an eye on him at all times. His friend will kick him out soon enough and he might try working his way back in with your mum again. I know you don't want to pay for shipping or go to the bother of returning his stuff but to cover yourself, box it up, have it sent to his new address and then forget about it. You know what a nasty piece of work he is, he might try to say you stole his property.

Daleksatemyshed · 20/01/2025 14:53

Since you already know he's a cast iron CF I'd make a list of all the stuff he's left at your DM's (with photos for larger items) before you dispose of anything. He may have taken the valuables already, but he sounds like he'd be happy to try and sue if he'd finds out it was all gone, dramatically increasing it's value of course.

AcrossthePond55 · 20/01/2025 14:07

@coldcallerbaiter

100% he wants to get 'in the door' to try to influence your mum. After all, how would she get him to leave other than calling the police and he probably thinks she'd never do that. Plus it is harder to say 'no' face to face than on the phone or a text, that's true enough.

Blocking his number should work. But if he's at all phone tech savvy, he'll know how (or will soon discover) how to do 'spoof' phone numbers which will allow the call to go through. If your mum doesn't have caller ID on her landline, I suggest you get her a phone that has it. And tell her not to answer calls from unknown numbers but let them go to voicemail.

We haven't had a landline in years and we're in our 60s & retired. We finally realized the only calls we got on it were telemarketers and people we didn't want to talk to anyway. You may want to consider whether your mum really needs a landline, assuming she has a mobile.

I'm in the US and we have enhanced 911 so emergency services automatically know where we are, so that wasn't a concern for us. I don't know if the UK has the same or similar.

LookItsMeAgain · 20/01/2025 12:24

@coldcallerbaiter - you wrote these points (in italics):

He was shocked that we did not check on his MH crisis. He said he is now absolutely fine
Good. I would have thought though that he was absolutely fine before he had his MH crisis though but that is the cynic in me showing itself.

and needs one last visit before he starts a ‘new life’.
Nope. Not going to happen. Not even if he were to be accompanied by armed guard would he be allowed to cross the threshold again.

Apparently a ‘friend’ is letting him stay at his rental property.
This is not your concern any more where he stays. He's out of your hair and should stay that way if he knows what is good for him.

She has a landline, I am not sure if I can block his number.
I think you can get a number listed as a nuisance caller or for safety reasons so you might be able to look in to this for your mother.

he understood I am the decision maker and she is now listening to me. I also told him that if he shows up, I will call the police.
Finally the penny has dropped for him. He now gets that. I seriously hope he doesn't try to pull anything like showing up and telling your mother to be quiet and not tell you about the visit.

Well done to you @coldcallerbaiter for getting this far with him and essentially remaining calm throughout. Many would have completely lost their shit at him.

binkie163 · 20/01/2025 11:41

@coldcallerbaiter some charities collect. Anglo doorstep collections do UK wide collections for charity. I also found leaving stuff outside a great way of disposing, always someone who will take stuff. I even put box's of books outside my dads they were gone within the hour.

coldcallerbaiter · 20/01/2025 11:18

@binkie163
Agree, he needs her alone and face to face.

I went through his belongings, it’s all the leftovers, hard to sell. The stuff I thought was there isn’t. Jewellery etc is gone, Dm said he boxed up some stuff last year and took it. I think he took the good stuff and sold it.

I might give it all to charity soon. But it requires a van. We are talking lamps, an armchair and dinner services. Too good/shame to bin. But too old fashioned to keep or store for my dc. As far as I’m concerned, it’s all abandoned. I could ask for the address but I do not want to have to pay to ship it to him in a van plus I don’t want further contact as he is silent now.

He has not once mentioned his stuff, so maybe he doesn’t care about it. In fact, we will need to pay to get rid of it.

OP posts:
dysonwithdeath · 20/01/2025 11:14

To block a number from a landline dial *60 and follow the instructions to block either the most recent number or a specific number.

binkie163 · 20/01/2025 11:06

coldcallerbaiter · 20/01/2025 10:58

@AcrossthePond55
Yes, he is jarred by the sudden anger towards him. He was shocked that we did not check on his MH crisis. He said he is now absolutely fine and needs one last visit before he starts a ‘new life’. Apparently a ‘friend’ is letting him stay at his rental property. If this is true, it cannot last forever, nobody lives for free for life from a friend imo. Or it is a ruse story to entice us in to not being wary about letting him in the house.

She has a landline, I am not sure if I can block his number. But he isn’t calling her. He texted me because he understood I am the decision maker and she is now listening to me. I also told him that if he shows up, I will call the police.

Edited

He wants to get in the house and confront your mum to make her back down, he can't do that on the phone. Yes you can block number on landline.
Also as he has the use of a single person dwelling [free rental] now is the time to have his stuff delivered to him, then he has no connection at all to your mums house. Ask for the address....if indeed there is one. If no longer paying hmo he can pay storage. It's gone on long enough x

coldcallerbaiter · 20/01/2025 10:58

@AcrossthePond55
Yes, he is jarred by the sudden anger towards him. He was shocked that we did not check on his MH crisis. He said he is now absolutely fine and needs one last visit before he starts a ‘new life’. Apparently a ‘friend’ is letting him stay at his rental property. If this is true, it cannot last forever, nobody lives for free for life from a friend imo. Or it is a ruse story to entice us in to not being wary about letting him in the house.

She has a landline, I am not sure if I can block his number. But he isn’t calling her. He texted me because he understood I am the decision maker and she is now listening to me. I also told him that if he shows up, I will call the police.

OP posts:
AcrossthePond55 · 20/01/2025 00:21

@coldcallerbaiter

This is from his antics about the loan and the resulting 'Christmas-now-permanent ban'?

I think not feeding his fire by not replying is the right thing to do. But I'd be concerned that he's realizing that your mum isn't caving to his 'absence' and will start to contact her to worm his way back. Is there any way you can block his number on her phone, if she wouldn't object to it.

It's so difficult when our parents age and some of their natural suspicion begins to erode. I went to my mum's house once to find her 'entertaining' complete strangers because they said they were "friends of your son". Mum didn't know them from Adam. My brother later said they were 'a bit dodgy' acquaintances. In her more 'cognizant' days she'd never have let them in, no matter who they said they were.

So glad your mum has you to keep an eye on her. As my gran used to say "You're earning jewels in your Heavenly crown".

coldcallerbaiter · 19/01/2025 22:29

Got a flurry of texts a few weeks ago from his highness, alternating from passive aggressive to woe is me. He said he won’t judge our decision! I felt like replying ‘oh thank you dear overlord for your mercy’ but I am not replying any further instead. He has his own narrative in his mind. He really wanted to get his foot in the door and see dm face to face ‘for a last visit/goodbye’ .I told him if he calls her and behaves, that’s the only contact he is getting. He didn’t call her and now is silent. Hopefully this lasts.

OP posts:
Hibernatingtilspring · 27/12/2024 21:34

@Xenia this isn't the thread for benefits bashing. Those people who 'haven't done a day's work in their life' but have been able to claim benefits for 40+ years before reaching pension age will have had to have justifiable reasons to do so, usually being medically unfit to work and/or whilst raising children, while living in the UK.
None of which are relevant to the OP's post.

Doubledodecahedron · 27/12/2024 21:15

Hibernatingtilspring · 27/12/2024 18:49

@Xenia that isn't true. If you are here but haven't worked - eg been in receipt of benefits long term - you're benefits claim 'contributes' for you. It's one reason why people who are unemployed but not planning on claiming (eg if they have savings) are still encouraged to submit a claim even if they won't be due anything.

Living abroad and then coming back to claim is very different. My late step dad and his mates had similar issues at they'd all lived and worked in the UK but often cash in hand and certainly never paying their 'stamps' (self employed in the trades) and they were all screwed when it came to pension age.

Yes, that's my understanding too. There's a sliding scale, so those who are justified benefits claimants receive more, and those who haven't paid in get less - ie, what was income support and possibly housing benefit for a single room in a shared house. They would receive the equivalent of job seekers allowance after 3 months of actively seeking work. That's why moocher needs to sign on and look for work, if he wants anything above a paultry existance, which isn't generous at all. No wonder he's trying to spunk off OP's mum, to avoid having to go work in a warehouse!

Xenia · 27/12/2024 21:15

I don't know about the work abroad and your universal credit/pension credit and housing benefit, but I think if you never do a day's work in your life and don't own a property, never paid NI etc then you can end up with more than the £12k a year or whatever sate pension is because your rent alone is likely to be more than that.
"Yes, you can receive Pension Credit if you don't have a State Pension:

Eligibility
You might be eligible for Pension Credit if your income is less than:

  • £218.15 per week if you're single" (£11,336)

"If you get Pension Credit you can also get other help, such as: Housing Benefit if you rent the property you live in."
So the person who has worked full time like a dog since they were 16 gets £12k a year state pension and as they may own their own flat gets no help on that front and the person who has claimed benefits all their life and never worked gets that 11 336 plus a lot of help with rent , perhaps as much again.

Blanketssese · 27/12/2024 20:15

OP, would you give your mum's solicitor the heads up that this grifter is hovering around, so that they are aware?

Hibernatingtilspring · 27/12/2024 18:49

@Xenia that isn't true. If you are here but haven't worked - eg been in receipt of benefits long term - you're benefits claim 'contributes' for you. It's one reason why people who are unemployed but not planning on claiming (eg if they have savings) are still encouraged to submit a claim even if they won't be due anything.

Living abroad and then coming back to claim is very different. My late step dad and his mates had similar issues at they'd all lived and worked in the UK but often cash in hand and certainly never paying their 'stamps' (self employed in the trades) and they were all screwed when it came to pension age.

Daleksatemyshed · 27/12/2024 18:29

coldcallerbaiter · 27/12/2024 12:57

Yes he tried to frame it as someone watching out for her as she gets older.

Funny you should mention he is disappointed. He says this over and over. I replied one time that I am disappointed in him actually and he gave me the silent treatment afterwards.

My dm is susceptible to not want to let people down. So this wording works on her. I also noticed she is slightly more deferential to men.

@coldcallerbaiter my DGM was widowed in the war in the 1940's, she was left at home with her teen aged DDs and very shortly after a male relative turned up, he wasn't married and was becoming elderly and he moved in, with my DGMs grudging agreement, and lived with them until my DGM got him into an old folks home(as they were called then). He thought she needed a man about the house but all he wanted was a roof, a bed and someone to do his washing and cooking.
My DGM and your DM's are a tale as old as time. As her DD you'd do housework and help your DM, your moocher relative just wants a free ride

Xenia · 27/12/2024 14:48

On pension, if he is a UK citizen with right to live here but not paid the 35 years of NI to get a state pension, then I believe he would get housing benefit and pension credit/universal credit ie our awful system gives people who never do a day's work in their lives more than pensioners who have worked full time without a break for 40 years.

coldcallerbaiter · 27/12/2024 13:04

ChilledBeez · 27/12/2024 12:49

Apolgies if its already been discussed in the plan - but, have you had accesss to your mothers will? Snakes like him- sorry, he is a snake - burned through all his money and now wants rescuing), If you mother was anything like mine, she will make a handsome provision for him in the will once her house and all her assets are sold. She won't be here to hear your protests. He knows she's been a soft touch. He so relentless and hard faced.

The Will - my Dsis and I have a copy and I am fairly confident she
would only change it if she was literally incoherent.

I do not like this country’s system. Personally I like the Continental forced heirship default system where you can in rare cases opt out to add someone to the extra ‘free choice slice’ by making a Will but you cannot exclude spouse and children, they get their allocated share by default. The other way is to give away before you die.

OP posts:
binkie163 · 27/12/2024 12:59

He has been out of uk most his life so no he wont have paid in 35 years of national insurance so wont have any uk pension rights. I have friends in France who have never paid in but assumed/expected a pension as uk citizens, you can imagine their shock. He should by now be entitled to universal credit as he has been resident for a year, I believe you are entitled after 3 months back in uk, of course they will check his financial situation and if he has savings he will not be entitled, I am guessing this is why he hasnt claimed. If he isnt working he must have savings to be paying HMO rent unless your mum is paying it or he is claiming but denying it to get acess to mums money. Tbh I wouldnt believe anything he says unless proved.