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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:
ObsidianGrape · 07/12/2024 23:53

So he's definitely a mooch then! Definitely is there to save cash and use your mum's instead!

This is bad op! What will happen when his money gets to zero!? I suppose when he decides he will start selling his stuff, then you know the end of the money is near!

coldcallerbaiter · 07/12/2024 23:39

ObsidianGrape · 07/12/2024 23:35

Does he still expect your mum to change his bed sheets often etc? As he's there so often, can you give him conditions? I.e. she's getting on a bit so can he do his own washing, bedsheets, cook his own food etc and not expect to be waited upon?

He cooks, and he shops, as long as he is given the cash. My mums cleaner does the rest now.

OP posts:
coldcallerbaiter · 07/12/2024 23:37

My belief is he wants to live in her house now and also after she dies.

He is furious that this was not offered to him and we disrespected him by stopping him. He expected to come back, be welcomed and invited to live there and that instead he had to lay his cards on the table and hint, play act - he is humiliated. He was the big man in the other country, rich foreigner. We’ve disrespected him.

As for relatives, he has dodged all of them. Refused to see them. He is embarrassed. He left a wealthy young man and is back with nothing. These relatives aren’t financially going to help him so he has no use for them. Even skipped a funeral recently for my uncle, I knew why.

OP posts:
ObsidianGrape · 07/12/2024 23:35

coldcallerbaiter · 07/12/2024 23:00

This isn’t the situation. She expects a call from him every week. She is fine with him coming to visit but gets worn down as it’s always too long a stay. Perhaps she likes his company and is a bit lonely. It’s complicated.

She has friends and visitors, her life ticks over and she likes watching movies on TV. She has had a healthy life so I am not grumbling and I don’t want ti micro manage her.

Does he still expect your mum to change his bed sheets often etc? As he's there so often, can you give him conditions? I.e. she's getting on a bit so can he do his own washing, bedsheets, cook his own food etc and not expect to be waited upon?

coldcallerbaiter · 07/12/2024 23:00

minionette · 13/11/2024 11:32

When he's out she should put his stuff outside and change the locks.

This isn’t the situation. She expects a call from him every week. She is fine with him coming to visit but gets worn down as it’s always too long a stay. Perhaps she likes his company and is a bit lonely. It’s complicated.

She has friends and visitors, her life ticks over and she likes watching movies on TV. She has had a healthy life so I am not grumbling and I don’t want ti micro manage her.

OP posts:
coldcallerbaiter · 07/12/2024 22:55

ThePoshUns · 12/11/2024 07:25

Tell him if he doesn't move his stuff out of the garage you'll call a company on to do it for him.
This bloke is taking the piss. Do you have a hefty make relative who can put a bit of pressure in him?
He's a complete freeloader.

My mum would never let me tell him to move his stuff. It is not a black and white situation, she is complicit because she has sympathy and she has been conditioned in to thinking that she cannot be harsh on him or tell him to get a job. She does not want to have a row with him. He wouldn’t do anything she tells him anyway. We told him over the years not to sell his property as it was his security.

Oh and I asked for the key back, he gave it back. Then the next time he visited her spare key went missing and he denied having it, said she must have lost it….my mum said to let that go too.

OP posts:
coldcallerbaiter · 07/12/2024 22:35

Sorry for the late reply I did not see the comments and did not think anyone would remember this one!

I predicted he would be back. It was obvious.

He announced he will spend 3 WEEKS at Christmas with her. I have calculated he has spent 3 months with her in bits through this last year. When I say anything she agrees with me, but nothing changes, so my boundary now is just preventing him from a permanent move in. I have told her I will physically remove him if it happens, which she agreed to.
If she gets dementia then god help me. Part of me thinks she complains but does not mind him visiting. I wouldn’t mind if it was a bit shorter. Like 1 week max.

I got POA.

He cannot fit the stuff he owns in his HMO. The stuff that is not in the garage is in her spare room as it is ‘ too valuable’. They are worth a couple of 1000 at most and only if bought by the right collectors, hardly the Crown Jewels but the boxes take up room, and irritate me.

He is not claiming benefits according to him he is not eligible, so if he is skint, how does he pay £500pm rent?

OP posts:
AlertCat · 13/11/2024 12:13

Otherwise it could be misconstrued that he is taking advantage of an elderly woman.

Agree this is a great way of phrasing it.

minionette · 13/11/2024 11:32

When he's out she should put his stuff outside and change the locks.

Doubledodecahedron · 13/11/2024 11:11

Crikey OP he is unreal. I haven't read back through the thread, only the updates but I'm wondering if you've put anything in writing to him? I would be tempted to set out your concerns that your mother is elderly and not able to be lent on or relied on for support in the way she used to. You are both concerned about his mental health but that he needs to take responsibility for that himself and seek treatment from a GP, claim benefits if needed and form a support network of his own. Otherwise it could be misconstrued that he is taking advantage of an elderly woman.
Not sure if others would agree with that but it's what I would feel like doing. Also seek advice from Age Concern. Good luck OP.

T1Dmama · 12/11/2024 23:32

I’ve got all this to come! My brother and his wife came into a LOT of money 20 years ago, due to a couple of bad investments & not working for probably the first 10 years, they’ve burnt through the money… they now are scraping by in a foreign country…. But I’m not sure they won’t decide to move in with my parents at some point in the future and knowing them get them to sign everything into their names so they inherit everything

MeridianB · 12/11/2024 18:05

T1Dmama · 11/11/2024 23:48

I wouldn’t be avoiding him at all… I’d be inserting myself into your mums as much as possible…. Make it incredibly uncomfortable for him to be there!

This! What about your mum coming to you for Christmas? No room for him, of course.

And POA sounds increasingly urgent. Could Age Concern provide some advice on risks of elder abuse? The unbelievable shame of this idiot pressing an elderly person for money.

itsalongwaybackfromsorry · 12/11/2024 17:51

Can you get her power of attorney and cut him off? Tell your mum to let you be the bad guy here since you can't bring herself to do it?

Eddielizzard · 12/11/2024 17:38

binkie163 · 12/11/2024 10:43

@Cosmosforbreakfast is spot on, you need to get proactive and involve the police.
However I do wonder if your mum is enjoying all the fuss and attention? I only say this because my mum would behave this way to get everyone running around after her but then also moan daily to everyone about 'poor her' she loved the drama.
He is certainly expecting an inheritance, has she made promises to him? my mum made promises to everyone to keep their attention. Your mum is not innocent here.
They are both benefitting from this situation or it wouldnt still be ongoing. Your mum could stop it now if she wanted to by calling the police & age concern about financial abuse of an elder, it is a criminal offense to take advantage of the elderly. She has invited this freeloader into her life without caring how it affects you and complaining while doing nothing to stop it. She knows his threats of self harm are hollow.
It really is easy to put a stop to it if she wanted. Sorry if it sounds harsh as I am looking at it from my own experience, I was NC with my mum as it became so tedious.

While this post might be a tad uncharitable about your mum, I certainly have relatives that act this way.Could there be a bit of manipulation going on from your mum too?

Dotto · 12/11/2024 17:27

This is all utterly preplanned. He will be attempting to claim from her estate after she dies, even if he isn't in her will, as he is inserting himself in her life as a 'dependent'

Cosmosforbreakfast · 12/11/2024 17:11

LookItsMeAgain · 12/11/2024 10:56

I've thought of another way that you might be able to bring your mother on board about telling this relative where to sling their hook.

Have you considered talking with your mother and telling her that if she doesn't get rid of this individual, you will no longer stay in touch with her and you won't be there for her when she needs you most? Make it a decision point for her - either you or him but one of you goes.

It's a drastic measure but surely one that she could make with ease (selecting YOU and not him).

I'd definitely start getting the police involved from a legal perspective at this point.

This is exactly what mooch wants and given OPs mum has disregarded her concerns it's a possibility she could side with mooch. Mooch will be ready with 'she doesn't care about you or want to look after you, I'll do that, you don't need her, you have me' and then it's another headache for OP.

ObsidianGrape · 12/11/2024 11:46

Sounds like it was definitely his plan to move in with your mother and you foiled his plans.

Sounds like he has no where to go and no plans to get a job to try and get himself out the situation.

All you can do now is sort that power of attorney and make sure the Will is secure with no chance of him working your mum into changing it.

Seems like your mum and her money /inheritance was his retirement plan!

FriedBucket · 12/11/2024 11:02

Bloody hell! Thanks for the update, don't you hate it when your initial negative thoughts absolutely turn out to be justified

LookItsMeAgain · 12/11/2024 10:56

I've thought of another way that you might be able to bring your mother on board about telling this relative where to sling their hook.

Have you considered talking with your mother and telling her that if she doesn't get rid of this individual, you will no longer stay in touch with her and you won't be there for her when she needs you most? Make it a decision point for her - either you or him but one of you goes.

It's a drastic measure but surely one that she could make with ease (selecting YOU and not him).

I'd definitely start getting the police involved from a legal perspective at this point.

binkie163 · 12/11/2024 10:43

@Cosmosforbreakfast is spot on, you need to get proactive and involve the police.
However I do wonder if your mum is enjoying all the fuss and attention? I only say this because my mum would behave this way to get everyone running around after her but then also moan daily to everyone about 'poor her' she loved the drama.
He is certainly expecting an inheritance, has she made promises to him? my mum made promises to everyone to keep their attention. Your mum is not innocent here.
They are both benefitting from this situation or it wouldnt still be ongoing. Your mum could stop it now if she wanted to by calling the police & age concern about financial abuse of an elder, it is a criminal offense to take advantage of the elderly. She has invited this freeloader into her life without caring how it affects you and complaining while doing nothing to stop it. She knows his threats of self harm are hollow.
It really is easy to put a stop to it if she wanted. Sorry if it sounds harsh as I am looking at it from my own experience, I was NC with my mum as it became so tedious.

LookItsMeAgain · 12/11/2024 09:58

Oh my word! He's still hanging around is he?? He has no shame. None at all.

Hope you're feeling better yourself as you were ill too earlier this year so I hope you're on the mend too.

If he is having suicidal thoughts, he needs to be under the care of a mental health team. It's not your mother's responsibility to look after him or his issues. You need to have a conversation with her about this.

I would try to sort out a lasting POA here so that you can step in and your mother can step back.

You need to treat this situation like you would if your mother was planning to downsize her home. I would contact an auction house and ask to find out if they visit people's homes to do valuations on things. If they do, I'd get them to visit when he's there. Get a price for selling his stuff (which is tying him to your mother's home) and then tell him either he can sell it or you will arrange for it to be sold but once it's sold, he leaves her alone.

I'd also consider getting a restraining order (if that is possible) as he is financially abusing her by leaving appliances on when she is elderly and costing her more for her utilities and such. She might not see it as abuse but if he wasn't there, she wouldn't be having these extra expenses.

Stay strong. This guy is something else so he is!

MrsOvertonsWindow · 12/11/2024 09:54

Another one sorry but not surprised that he's still around. Hopefully the rest of the family are now aware of his "cuckooing" your mother and won't be unintentionally supporting him.

Cosmosforbreakfast · 12/11/2024 09:46

I'm so sorry to see your update OP, I felt you would never get rid of him. Unfortunately people like this just don't give up. They are very manipulative and do whatever it takes to get their own way, they won't hear no. be very worried about him coming between you and your mum. If you start avoiding because he's there, he's already halfway to having you estranged from her.

If he's threatening suicide report it to Police along with a detailed account of how's he exploiting your mother and tell them you're worried about cuckooing. It's time to get firm with him and tell him under no circumstances is he to come anywhere near your mum or her house regardless of what she says. It's a shame your mum is pulling against you on this. What is her reason for putting this mooch ahead of everyone else and not taking your concerns on board? I understand she has the 'he's family' attitude but why is he coming ahead of her own daughter and she's not listening to you?

Have a removal company take his belongings from the garage and drop it off to wherever he is renting this bedsit. It's for him to deal with then. Make sure the garage is locked and he can't have any access to it after that.

I'm sorry you're going through this all over again.

ThePoshUns · 12/11/2024 07:25

Tell him if he doesn't move his stuff out of the garage you'll call a company on to do it for him.
This bloke is taking the piss. Do you have a hefty make relative who can put a bit of pressure in him?
He's a complete freeloader.

AnonyLonnymouse · 12/11/2024 06:55

Oh goodness, he’s still on the scene?

A leak in the garage might be the best idea. Combined with a nice strong man and van to
move it all out to a storage place - perhaps pay a couple months rent upfront on another rental garage? But put it in his name and leave his details. Then change the lock on your mum’s garage.