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To not want to pay the money back

329 replies

djspaoxndn · 08/10/2024 12:31

Posting here as genuinely not sure if I am being unreasonable or not and want honest responses.

I had first DC 6 months ago which is my mums first grandchild. My mum kept asking me what she could buy for the baby to which I said it was fine, she didn't need to buy anything etc etc.

We went shopping and I was going to buy my pushchair and cot and my mum offered to pay. I said no but she absolutely insisted and said she wanted to and she was so excited. She also threw me a surprise baby shower (not really my thing but I appreciated the effort she went to).

After the baby shower she kept moaning for weeks to me about how much it cost her and how much effort she had put in and how little effort DH family have made. To be honest it put a damper on things but I didn't say anything.

She came round for dinner last week and said to me she had paid for my pushchair and cot on a credit card. She said the interest is expensive and she is going to be paying it off for years. She then said to me could I contribute £110 a month towards the payment so it would be paid off quicker.

My mum has money (both her and my dad have good jobs). They aren't wealthy but definitely not struggling. She said she wanted to buy it but now seemingly can't afford it. However, I know she spends a lot of money on holidays and clothes/nights out etc and she can easily afford the payment.

I agreed to pay but haven't told DH yet. I actually feel really hurt about it all and whilst we can afford the money, I'm on maternity pay and it's a bill I hadn't accounted for and will impact on what we can afford the end of the month. I just feel annoyed as I would have paid it myself at the time if I had of known. I also took her for dinner, bought flowers/chocolates and made a big deal of saying thank you when in fact I'm now paying for the majority of it anyway.

I have always thought she is a narcissist or has narcissistic traits. I do really love her and we are close but she has form for saying or doing horrible things sometimes. We have spent more time together as I have been on mat leave and think it will be better for our relationship once I am back at work.

OP posts:
DuckbilledSplatterPuff · 08/10/2024 19:52

Coruscations · 08/10/2024 17:50

I also took her for dinner, bought flowers/chocolates and made a big deal of saying thank you when in fact I'm now paying for the majority of it anyway.

Tell her you'e knocking the price of that lot plus interest off the debt so will only be paying £100 a month.

And never, never take anything she offers to buy again.

This!
Added to which, she hasn't told you what the interest is... could be interest on her other purchases too... and to say I will tell you when its paid off is completely unacceptable... this could run and run without you ever knowing when you are free of the debt.
To do this to someone who is on maternity leave is just awful.
I'd never agree to pay the interest on this. I'd borrow on 0% to pay back the 1,500 - forget paying for the party you didn't want, Trade that against the cost of your thank you dinner and gifts if you have to.
And don't accept anything from her again.
You say she will slag you off to the rest of the family. Let her. She'd soon find another excuse to do that anyway. Do you have other family members who are supportive?

Oh and by the way... a text to all saying you can't afford Xmas presents this year so please don't send you any ( buy yourself, DH and baby something lovely instead) Its a total relief not to do wide scale Christmas shopping.

Try not to worry so much about her and what she thinks.
You know what she is like by now... so lower your expectations of her and you won't be so dissappointed when she acts up again.
You have your own lovely little family unit. This is your time. Enjoy it and don't let others spoil it for you. That only works if you let them.

Peaceandquietandacuppa · 08/10/2024 19:50

djspaoxndn · 08/10/2024 16:44

@LookItsMeAgain
She would scream, shout, cry, call me horrible, selfish, horrible names etc. If I hang up on her she will continue to call me and text and if I don't reply she would come to my house and shout outside my door. She would tell all my family I have been horrible and nasty to her (without saying why or what I had done) and emotionally blackmail me.

I have had this my whole life whenever I have said no or not done things her way. When I have tried to put boundaries in place it has caused me nothing but heartache by all the things she has said and done.

However, in between this she can be kind and funny. She isn't all bad.

I don't know if I have the energy right now to deal with it all. DH will be home from work soon so I will speak to him about it then. I have felt sick all day.

on reflection / why don’t you tell DH everything and let him deal with it? It might help with a third party getting involved? So either he arranges to pay it back up to the £1.500 or he says you’re not paying and he deals with the fallout. Honestly, if she tries all the crap turning up at your door etc, call the police.

allthemiddlechildrenoftheworld · 08/10/2024 19:43

that is an awful way to treat your daughter!! why would a mum do that??@djspaoxndn

TheBluntTurtle · 08/10/2024 19:42

Hope convo with DH goes okay OP. What your mum has done is awful and really narcissistic. I know you said you can’t afford to pay it back in full right now but I would really look into this with your DH. You then don’t owe your mum anything and you are in control and say that you bought the items. If she asks what DC would like for birthdays/ Christmas’ just suggest small items (book/ pjs) - don’t let her have the glory of buying the star gift which DC loves or let her think you owe her anything.
whats she like for her own birthday/ Christmas? Does she expect big showy gifts - my guess is she does. And did she also brag to others that she had bought you the pram/ cot?
edited for spelling mistakes!

MrsWombat · 08/10/2024 19:41

I would discuss with your husband how to pay her the £1500 ASAP to get her out of your life and then go low/no contact.

DearHorse · 08/10/2024 19:35

Don't pay her anything, if she complains just block. If family members complain to you, also block them. If she comes to your house to shout at you, call the police. If she harasses you in other ways, go to the police. It sounds harsh but she is completely in the wrong. Find your strength. Don't let people mistreat you. I cut out my dad years ago because he is awful. Best decision I have ever made. I have never regretted it.

SoNiceToComeHomeTo · 08/10/2024 19:27

djspaoxndn · 08/10/2024 16:44

@LookItsMeAgain
She would scream, shout, cry, call me horrible, selfish, horrible names etc. If I hang up on her she will continue to call me and text and if I don't reply she would come to my house and shout outside my door. She would tell all my family I have been horrible and nasty to her (without saying why or what I had done) and emotionally blackmail me.

I have had this my whole life whenever I have said no or not done things her way. When I have tried to put boundaries in place it has caused me nothing but heartache by all the things she has said and done.

However, in between this she can be kind and funny. She isn't all bad.

I don't know if I have the energy right now to deal with it all. DH will be home from work soon so I will speak to him about it then. I have felt sick all day.

Nobody is 'completely horrible' and your mum no doubt has some lovely qualities but this behaviour is not OK and you aren't doing her any favours by indulging it. Treat as you would one of your children, with love and concern but firmly.

SoNiceToComeHomeTo · 08/10/2024 19:25

I wouldn't pay a penny of this. Your mum has been stupidly extravagant and the fact that it was in relation to something you needed for your baby (but didn't ask her for) is neither here nor there. What will she buy next on credit and ask you to pay for? I would say no, and suggest that she gets some help with her spending problem. Also sell the item she bought and give her the proceeds towards her debt, then buy your own one that you can afford. Honestly!

Kittybluecat · 08/10/2024 19:18

NoBinturongsHereMate · 08/10/2024 18:47

OP, you have a cake.

The bottom layer contains enough arsenic to make you sick, the top layer is full of cat hair, the jam in between is a good quality tasty jam.

Do you eat the cake?

If not, why do you you put up with your mother?

What a very odd thing to say.

LBFseBrom · 08/10/2024 19:18

I think that is appalling behaviour by your mother. She offered to buy the things, she has to suck it up.

However you have agreed to pay it off now. I wish you hadn't but it's done.

Don't do it all of a rush and be extra-guarded when it comes to your mum playing Lady Bountiful in future; it comes with a cost.

JMSA · 08/10/2024 19:15

That's rubbish, OP SadFlowers
She offered!

Maria1979 · 08/10/2024 19:13

What if you called all your family members and tell them before she can? Tell them you are worried about her finances and ask if they can borrow you money to repay her. Maybe she will all of a sudden decide she can afford it? If not make a payment plan (50£/ month) and never ever except a gift again. If she wants to give you something for Christmas just say that you can't afford her "gifts" and she can start by gifting what she already did gift... I would not put up with shit like this. Don't know why you do OP. Just keep her away from your DC whatever you do. She sounds really unhinged.

MounjaroUser · 08/10/2024 19:13

That's really awful. She got the glory of buying those things for you and now she wants you to pay for them!

I wouldn't give her a penny. If she wasn't in contact for a long time, that would be her decision.

ReginaTheEvilQueen · 08/10/2024 18:58

As i have said before i dont think you are under any obligation to pay her back at all, however if you do decide to pay her money back, however much you decide on, make sure you do it by bank transfer, just so that theres a trail of proof, as i think you may need that given what you have said about her behaviour since your opening post

Mummapenguin20 · 08/10/2024 18:56

Hopfully your dh has a stern word with her x

Runnerinthenight · 08/10/2024 18:55

If there's any way you could pay her the £1500, I'd do that, and she can fuck off for the interest! Why should they cost you any more than they would have done if you had just bought them at the time!

It's a rotten stunt to pull, especially as you are on maternity leave x

Dagnabit · 08/10/2024 18:54

I would not be paying her entire credit card bill each month - how do you know that you aren’t paying for other stuff too? I would say, I’ve checked my finances and I will pay you £50 per month until £1500 is paid minus whatever you spent to say thank you. Then never accept anything from her ever again. I wouldn’t worry about the inevitable fallout because I’d be avoiding her anyway!

AllstarFacilier · 08/10/2024 18:54

So, because it’s in a high interest credit card, is it going to cost you more to pay it off than it would have been for you to buy it at the time?

Trumptonagain · 08/10/2024 18:50

She would tell all my family I have been horrible and nasty to her (without saying why or what I had done) and emotionally blackmail me.

OP has no other member of your family picked up on your mother's behaviour?

NoBinturongsHereMate · 08/10/2024 18:47

OP, you have a cake.

The bottom layer contains enough arsenic to make you sick, the top layer is full of cat hair, the jam in between is a good quality tasty jam.

Do you eat the cake?

If not, why do you you put up with your mother?

twinmum2007 · 08/10/2024 18:33

£110 a month? Dear Lord how much did she spend? Is the cot gold plated? And how long does she expect you to be paying her back for? Don't do it OP.

Poppalina37 · 08/10/2024 18:32

I wouldn't return the money my father did the same to me. I've not returned the money and we've not spoken about it since.

PussInBin20 · 08/10/2024 18:28

djspaoxndn · 08/10/2024 16:44

@LookItsMeAgain
She would scream, shout, cry, call me horrible, selfish, horrible names etc. If I hang up on her she will continue to call me and text and if I don't reply she would come to my house and shout outside my door. She would tell all my family I have been horrible and nasty to her (without saying why or what I had done) and emotionally blackmail me.

I have had this my whole life whenever I have said no or not done things her way. When I have tried to put boundaries in place it has caused me nothing but heartache by all the things she has said and done.

However, in between this she can be kind and funny. She isn't all bad.

I don't know if I have the energy right now to deal with it all. DH will be home from work soon so I will speak to him about it then. I have felt sick all day.

Blimey, with a Mother like this, who needs enemies?

MissUltraViolet · 08/10/2024 18:26

I would tell her no and (given everything else you have said about her) not care one little bit about what she did/said next because I would happily go NC and not allow her near my child - she sounds awful.

But, if you are going to let her do this - do NOT do it her way because it honestly sounds like she is trying to scam you. £110 per month, that includes the interest (interest is her problem not yours, you don't pay a penny of it) until she tells you it's paid off? hell no. You could end up paying her CC for months after those items are paid off and you wouldn't have a clue.

I hope your DH gets angry about this, you should both be furious.

Purplecatshopaholic · 08/10/2024 18:24

Come on op, you need to take a stand here and say no. Go NC and relax for once away from the drama. Say No.