Relative burned through funds and now mooching

OP I do think you need to get involved and tell him that your mother is too old to be sharing her house with someone who is coming back in late from bars and she needs a quiet life. You can offer to help him approach the local council for help to get housing.

The point is that the lazy entitled idiot has never bothered to work. So yes he has completely been pissing it up the wall.

He needs getting out OP. What a nightmare.

Even an interest rate of 1% @ForfarBridie would have generated thousands over the years. And as others have pointed out, one million was worth much more when he received it. Spending 25k a year in the 1990's would have been like spending over 50k a year now.

This is good advice get mum to sign POA to you now whilst she still has capacity before he gets his claws into her.
You and any siblings really need to get on the ball with this before it escalates.

2.5pc interest would have given him £25k per annum and still leave him with a million in the bank, untouched. And it wouldn't have been hard to achieve much more than 2.5pc.

There was never any need for him to end up penniless - either live reasonably frugally off the interest or work an easy job and supplement with the interest to give a higher standard of living.

As he's 60'ish the local council may well help him out with a sheltered flat. They will also help him to claim help with living, rent etc.

He needs to go down to their homeless department.

I agree with all other pps. He has his eye on your DM's house and inheritance.

She is in a very vulnerable position and you need to take action urgently. Definitely no to agreeing he can stay until Xmas. I would suggest 2 weeks notice to leave at the very most, with the threat that you will phone the police if he doesn't go. Don't try to be nice about it - your Mum needs you to step in very firmly.

I would also consider speaking to a solicitor in terms of setting up a power of attorney for your Mum, but IANAL so someone else might be able to advise.

I would be dropping absolutely everything and going to stay with your Mum asap. Does she have room for you to stay at the same time as him?

Also, speak to social services as other posters have advised in relation to elder abuse.

Agree with most posters OP, you need to get him out as a matter of urgency. This is abuse and will only get worse. The longer he stays, the harder it will be to move him. And as has been mentioned upthread somewhere any benefits your mum gets will be affected by him living there.

The longer he stays the more difficult it will be.

After Christmas, in January, in the bad weather, will just be very difficult to get him out.

He needs to be gotten out now.

Him keeping weird hours, late at night, will destroy her sleep.

Lack of sleep will make her more confused and anxious.

This could be deliberate on his part.

Get the police and Social Services involved. What he is doing is known as ‘cuckooing’ and financial abuse and is illegal.

Even for a leech, probably a bit late now to do anything about Xmas (although even that is still 7 weeks away!).
Could mum say "my friend Mary is coming for a long stay on 3 Jan. so I'll need that room back?"
Or it may be up to you to say "Mum doesn't want to say it but...time to sling your hook".

Don't wait until after Christmas to sort out this freeloader!
A clear conversation is needed now...............he has taken advantage of your mother's goodwill and things need to change. Your mother is unhappy and uncomfortable in her own home and can't afford to finance his lifestyle.
Put a stop to the wine and the laundry straight away.
Your mother will not find it easy to be "inhospitable to a guest" in her eyes but he is preying on that to manipulate her into getting his own way.

He is a lazy entitled bum. He will never leave and like a cuckoo is looking for a new home after turfing out the legal owner.
How fucking dare he.
Tell him your mother's health is being compromised and he's to go by next Friday.
You will there in person next Friday to ensure he goes. Don't care where .
book him into a cheap bnb or hotel for a week at your own expense fucking miles away and dump the lazy arse.

If he’d invested it for an income and actually worked for a living he would have had funds for his retirement and wouldn’t have to sponge off family. It’s called planning for the future. Why are so many posters dividing £1m by 40 years as a way to justify his actions? If he inherited in 1983 £25,000 a year was three times the average salary. Average earnings didn’t catch up with him until around 2013. He didn’t do too badly for 30 years.

What a revolting leech. Your mum really mustn't let him stay til Christmas. He needs to leave. How though?

This, as others have said, is a safeguarding issue. He is cuckooing and never plans to leave. You need to get advice from Age Uk, contact her local council's safeguarding team, and go round there (preferably with back up) to help her tell him to leave within the week.

Your mum will probably dither and worry about where he'll go, but he HAS to go. This is already messing with her mental health.

How far away are you? Do you have a friend or other relative who would come with you and be the non-involved one who'll be tougher and tell it like it is.
"Mrs X is very distressed about this. You have to leave by x date or the safeguarding team will be involved and the police called"

As yes, then change the cylinders of the locks when he's gone.

I know a family who moved here a few months back and stayed with family whilst looking for their own place to rent. Good enough income etc but still found it hard to get something just because of the market. This is with them really trying, didn't want to be living on top of their relatives and wanted to register their kids in schools once addresses found.

A bit extreme but was your mum planning on moving closer to you/ downsizing/ moving into a retirement property at some stage? If so would she consider bringing it forward? Even if he goes now he could be back when he doesn't like it! He's got it good there, where else can he live free while getting his laundry done meals cooked, cleaning etc. there's not going to be any desire to leave.

it doesn't ( or shouldn't) work like that. properly invested the sum should have increased and attracted enough interest and dividends to live off while the lump sum and some of the funds are reinvested
. Its not just a case of divide £x by years Y

You’re assuming he has common sense or even bought a property.

I doubt he has either.

A million quid forty years ago - plus the interest it would attract ? Don’t make me laugh. Most people would have invested it for an income and worked. He spent the lot without a thought for his retirement. The average annual salary in 1983 was £8000. It hadn’t risen to anywhere near £25,000 until 2013.

I agree with this. OP you really need to help your mother here, the reason she has told you about this is likely a cry for help. She is an old lady who is probably feeling overwhelmed and needs you to support her in getting rid of him. Don't wait until after Christmas, get rid of him now.

Try to get your mother to intercept post in his name, 'unknown at this address ' and out it back in a post box otherwise he may be able to claim he's permanently resident with her.

Your mother needs to stop being so accommodating.
You or her need to tell him to go. Tell him he has until a particular date then if he's not gone his stuff will be packed up, the locks changed and his possessions will be by the front door. He is taking the piss.

1 million divided by 40 is 25,000 a year.

1 million divided by 35 as we don’t know how old he was when he got the money is approx 28,000 a year.

And I doubt he have received much interest.

Even by Far East standards he hasn’t burned through the money.

it doesn't ( or shouldn't) work like that. properly invested the sum should have increased and attracted enough interest and dividends to live off while the lump sum and some of the funds are reinvested
. Its not just a case of divide £x by years Y

OP if your mum doesn't feel up to chucking him out i'm afraid it will have to come from you.

however i don't agree with PPs who suggested a live in carers job. no way would i leave my elderly and/ or vulnerable relative with this individual he can barely care for himself

Yes absolutely no way can this go on til Christmas - you need to take action now.