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Dads partner leaving him homeless after her death.

793 replies

Tray80 · 24/07/2025 00:41

Appology in advance for the huge thread but mainly feel like I need to vent so here goes! My dad and his partner have been together for 26+ years, living together in her home for 22 years. Although I was close to my dad as a child, our relationship dwindled as I approached my adult years. I guess he just stopped making an effort once he met my stepmum, as they tended to spend most of their spare time with her kids and grandkids.

Even though they only live 20 mins drive away they never visited including when my babies were born. They put mine and my kids birthday/xmas cards in the post every year. We speak on the phone a couple of times a month( when I make the effort) and I call around to see them half a dozen times a year, always bearing gifts on special occasions for eg birthdays, fathers day, Xmas etc, so basically it's always me making the effort. It used to really hurt my feelings when I'd see how much effort they both made for my stepmums side of the family but after 20 years of seeing it I just learned to live with it.

For the past few years my stepmum has had a terrible run of health. My dad has retired to take care of her as she has been wheelchair bound for quite some time. Unfortunately she's now been diagnosed with cancer and has been told that there's a 50/50 chance that she may not make it through her operation next week. Needless to say the whole family is devastated, including my dad. I called to see them last week and while walking in the garden my dad broke down and told me that he doesn't know how he'll carry on living without his partner. I can tell its taken a huge toll on his health too as he's stopped eating and taking care of himself and even had a nasty fall, which is so unlike him.

Today I received a call from my stepmum. I was really shocked when her number came up on my phone as she's only rang me twice in 23 years. She told me that she wanted to talk to me while my dad was asleep. She said she wanted to lay down the ground rules of how things would play out for my dad if she was to pass away during her surgery next week. It was explained that as the house was legally hers, as it was in her name, she would be leaving it in trust to her 2 children and grandkids, meaning that if she was to pass away, then my dad would be homeless. Apparently she had explained this to my dad a few weeks previous, which timed in with the fall and his sudden run of bad health. I believe this to be due to stress as he'd just been told that in 2 weeks he could possibly be loosing the love of his life, and now also his home. I know that my dad has always been aware that the house was hers and hers only but I don't think he was expecting to be turfed out so fast. I could kind of understand the rush if my stepmums family were struggling financially but they're all very well off. I asked about my dad's financial situation, if he had a bit of a nest egg to get himself on his feet if the worse was to happen and she said that she doesn't know, as they've always kept their finances separate. She mentioned she didn't trust him to take care of the house after his fall. She added that she thinks that once she's gone my dad will probably just give up on life and not be far behind. She also pointed out that hes very lucky that hes been able to live mortgage free for 20 years.

I can't begin understand the stress she's under with the surgery loomimg and the possibility of not making it out. I really don't want to see her in a negative light as I know my dad loves her more than life itself and they both need kindness and support more than anything right now, but the conversation I had with her last night has left me with a bitter feeling. She asked me not to tell my dad that we'd had that conversation, which I will respect. I just don't understand why she'd told me at all, as it clearly wasn't out of concern for my dad but rather a concern that he wouldn't leave the house when shes gone. I feel maybe she was prepping me as she knows he'll be landing on my door step when her kids sell the house, which in turn seems like a smack in the face when neither of them have ever made any effort with me or the kids. I just keep looking at my husband and trying to put myself in her situation. Could I purposely leave my husband financially destitute? I couldn't! The other part that is bugging me is that if all goes well for her then she'll be at home being cared for once more by my dad, the same man she was turfing out on the streets if the worse was to happen. I feel as though hes just being used. I really hate feeling this bitterness about the situation and I know I'm feeling overwhelmed by it all so hoping that someone else's take may help me see it all in a different light. Am I being unreasonable in feeling like this? If you made it to the end then thanks for sticking with me!🤷‍♀️🤯

OP posts:
DBD1975 · 24/07/2025 15:36

EastGrinstead · 24/07/2025 14:08

This phone call has already taken place.

This purpose of the call that the OP received was to explain the ground rules and to make it clear that the OP's dad would have to leave the home after his partner died.

She said she wanted to lay down the ground rules of how things would play out for my dad if she was to pass away during her surgery next week. It was explained that as the house was legally hers, as it was in her name, she would be leaving it in trust to her 2 children and grandkids, meaning that if she was to pass away, then my dad would be homeless.

She mentioned she didn't trust him to take care of the house after his fall.

What do you think leaving the property in Trust to her children and grandchildren means?

KingfisherAmmonite · 24/07/2025 15:34

What a very strange thread.

All this woman has done is what women on Mumsnet are advised to do all the time when a man moves in.

Protect the house for children, and make sure the partner has no claim on it.

averythinline · 24/07/2025 15:33

You and your dh need to decide where your boundaries are... At least she's given you a heads up so you can think through this...and also be clear to your dad...
Its crap but obviously not unusual for people not to plan ahead...

And also you can ask your dad what his plans are...
Just because he'll be homeless does not mean you have to house him... If he has few assests to rent himself ge can apply gor council housing there maybe some age related housing that is often more appropriate..

If that's the likely resolution for him then it is probably better you don't get involved at all... As it will be assumed you're housing him..

Better that her kids make him homeless so he can apply to the council.... If he hasn't got savings etc to sort out anything else

I say better from a process point of view not a human point of view obviously...

DBD1975 · 24/07/2025 15:33

What do you think 'leaving in Trust' to her children and grandchildren means?

Daleksatemyshed · 24/07/2025 15:23

It seems a strange conversation with your DSM considering she knows he doesn't have much of a relationship with you, it sounds very much as if she expects you to take him in as soon as she dies. It's sad, he's desperate not to lose her and yet she really doesn't care what happens to him, the remark about him dying soon after her is really cold hearted. Talk to your DF Op, you really don't owe her anything

Allseeingallknowing · 24/07/2025 15:22

vivainsomnia · 24/07/2025 15:17

He's been worth his weight in gold to her, not to mention very convenient! She mentioned to me that she has always funded everything they've had done on the house and never let my dad contribute a penny as she always knew the house would be left for her kids. Now I see it as her been very clever if not a bit sneaky!
I don't know why some posters are going on about the money is has put in the house when OP has said that she never let OP's dad paid a penny towards the house. Yes, she always knew the house would go to the kids and if he didn't get the message that after 20 years of him not being married, not sharing any finances and not paying a penny towards the house, that he didn't realise what her intentions always were. It's not sneaky at all, it's him burying his head in the sand.

As for him not staying living there, I expect she is concerned the house would deteriorate because so has his health and it sounds he wouldn't be able to afford any expensive maintenance of the house.

What if the house was solely bought by the father of her kids? It would be loyalty to him to ensure the house went to his children.

He has been either extremely naive or refusing to face the facts. I really don't get why people are saying she is nasty. It sounds like she made things very clear. He had the option to give her an ultimatum, you marry me or I go. He decided to stay, accept to live rent/mortgage free for 20 years, and not invest. She didn't still his money!

He did help towards the bills. He sacrificed his own money to care for her, and the house, so he has contributed . His partner is a hard hearted bitch.

Finteq · 24/07/2025 15:21

No- he ditched his family.

And if his partner dies then he will likely go back to the people he ditched for assistance.

Finteq · 24/07/2025 15:19

I initially wrote YANBU. but then changed to YABU.

It's yp to her who she leaves the hosie to.

Your dad has been told its been left to the kids. She's is not a terrible person she is just looking out for her kids.

And she's not leaving your dad to you. It's up to you whether you want to take him in or not. Personally after the relationship you have I am surprised you gave it more thought than - Oh OK then.

He's grown what he's spending. If you want to pick up the pieces that's up to you. But he hasn't been a dad to you. And the people he has been a dad to- his non biological step-kids will probably throw him out. Again that's down to him and his life choices.

He has had plenty of time to save up and think about his future.

If he had been a good dad. I would have no qualms about taking him in. But in this current situation Personally I think he needs to be left to it.

Allseeingallknowing · 24/07/2025 15:19

RantzNotBantz · 24/07/2025 15:13

Even if married I would leave my half of the house direct to my Dc.

All of it if it was my house bought before marriage and fully paid for by me.

Though marriage would give a stronger foundation for proving dependency.

And I would leave a life interest so as not to make my DH homeless.

Marriage isn’t really the issue here. You don’t have to leave your assets to your spouse.

No but spouses do have rights!

Tiswa · 24/07/2025 15:18

@RantzNotBantz you would need a tenancy in common not joint tenancy becuase marriage does assume the latter

all these examples though show financial contributions and that is different by the OPs account his has financially contributed nothing his maintenance is I assume DIY which has been paid in kind.

vivainsomnia · 24/07/2025 15:17

He's been worth his weight in gold to her, not to mention very convenient! She mentioned to me that she has always funded everything they've had done on the house and never let my dad contribute a penny as she always knew the house would be left for her kids. Now I see it as her been very clever if not a bit sneaky!
I don't know why some posters are going on about the money is has put in the house when OP has said that she never let OP's dad paid a penny towards the house. Yes, she always knew the house would go to the kids and if he didn't get the message that after 20 years of him not being married, not sharing any finances and not paying a penny towards the house, that he didn't realise what her intentions always were. It's not sneaky at all, it's him burying his head in the sand.

As for him not staying living there, I expect she is concerned the house would deteriorate because so has his health and it sounds he wouldn't be able to afford any expensive maintenance of the house.

What if the house was solely bought by the father of her kids? It would be loyalty to him to ensure the house went to his children.

He has been either extremely naive or refusing to face the facts. I really don't get why people are saying she is nasty. It sounds like she made things very clear. He had the option to give her an ultimatum, you marry me or I go. He decided to stay, accept to live rent/mortgage free for 20 years, and not invest. She didn't still his money!

Rattytouille · 24/07/2025 15:17

Gosh, this woman has played a blinder her side. Sorry that it’s on you though OP.

She had her own house (probably paid off by her, her former DH, and insurance if she was a widow). She then got herself a bloke for company and to help with the bills. When push comes to shove her priorities have always been her DC and DGC. On MN we advocate for this all the time, put your kids before a man.

The only thing I think she should do differently here is stipulate in her will that he’s got 6 months, maybe generously, a year, to move out. But live there possibly for another 20 years? I don’t think so. Legally that money is her DCs and she knows it, and wants them to have it.

Unfortunately I don’t think your dad’s partner was into him as much as he was her.

RantzNotBantz · 24/07/2025 15:13

Allseeingallknowing · 24/07/2025 15:08

These posts are a lesson to those who say” why would I need to get married, it’s just a piece of paper!”

Even if married I would leave my half of the house direct to my Dc.

All of it if it was my house bought before marriage and fully paid for by me.

Though marriage would give a stronger foundation for proving dependency.

And I would leave a life interest so as not to make my DH homeless.

Marriage isn’t really the issue here. You don’t have to leave your assets to your spouse.

BoundaryGirl3939 · 24/07/2025 15:09

My 38 brother is in a similar position. He has poured over 70,000 (in cash - no paper trail) into helping build his partners house. Her name is on the deeds, mortgage repayments, even the bills. He gives her cash every week. This goes towards bills and mortgage...but there is no evidence of him ever living in the house.
Hard to believe people could be so devious. She is sweet and manipulative. He must know deep down what's going on but he has no confidence to challenge her.

She turned him against me too so I have no way to talk to him. It's really sad.

Allseeingallknowing · 24/07/2025 15:08

These posts are a lesson to those who say” why would I need to get married, it’s just a piece of paper!”

nopineapplepizza · 24/07/2025 15:07

rainingsnoring · 24/07/2025 14:56

Where does it say that the situation was cut and dried between them?

Why has she only just told him that he would be homeless when she died if so? Why did she call the OP behind his back and request her not to speak to her father if everything was all discussed and organised 20 years ago, as it should have been.

If I lived with someone rent-free and they refused to put my name on the deeds and prevented me from contributing to any home improvements to ensure I didn’t have any future claim on the house/equity, then they’ve basically put in flashing neon lights that the house isn’t mine and never will be.

Even if the couple never spoke about it directly (and the OP does say that her SM has spoken to her dad about this) you would have to be blind and stupid to think a home-owner would spend 20 years rejecting all financial contributions/ combining of assets just to turn around on their death bed and say “I bequeath the house to you.” It would be a complete contradiction to all their previous behaviour.

NimbleDreamer · 24/07/2025 15:06

Something similar happened to my dad. He was living with his partner in her house. He stupidly then sold his own house because in his words he wasn't living there anyway so what was the point. As well as paying his partner a monthly amount for bills which is expected he was also paying towards her mortgage and credit card debt and his partner only worked weekends so my dad was basically subsidising her lifestyle. Once he'd sold his house he gave his partner another payment of £7,000 to pay off her final credit card debts and then a few days later she broke up with him which was the day before his 70th birthday. As he was living in her house and had sold his own house he then had nowhere to go so had to move in with me and my husband in our little 2 bed terraced house.

The difference between our stories though is I have a good relationship with my dad. The only thing was I was very frustrated with his naivety and was always telling him to protect his finances, especially as him and his partner weren't married but he wouldn't listen.

Thankfully he had enough left from his house sale to buy somewhere else but he still had to stay at mine for 12 months until all that was sorted.

He has a new partner now and I've told him in no uncertain terms to not be a mug with money again because I won't have him stay at mine if he makes the same mistakes this time.

RantzNotBantz · 24/07/2025 15:03

He has had 22 years to plan for this, and hopefully he has been saving,

When I made a will while living with a long term partner (not married) , leaving my share of the house direct to my Dc, the solicitor insisted on putting in a clause stating that it was my decision not to leave anything to Dp and that he had the means to be self sufficient.

This was to guard against any challenge , I think.

I have seen many men slide from one woman to another prioritising the woman he moves in with. Your Dad did that when he de-prioritised you. Many men have assets but do the opposite of what this woman has done, and leave everything to new wife who then leaves it to only her children.

Presumably your Dad will have some time to sort himself out. The step children will have to give him some form of notice, they may not be able to do anything until they have probate.

Hopefully his attention to her family and D.C. will mean they are not utterly heartless towards him.

It will be upsetting but he will be able to get something. An O-60s sheltered scheme, a rental (and housing benefit : pension credit if he can’t afford it) .

Maybe, in preparation for supporting him you could call Shelter and ascertain his rights for his long he can stay in the house and what his options are after that.

But it would probably help to know how much savings he has.

Rallentanda · 24/07/2025 15:01

rainingsnoring · 24/07/2025 14:54

Where do you get the impression that she has been clear about the parameters from the start from?
@Tray80 has stated that she only just told her father the fact that he would be turfed out of his home when she died. She also deliberately called the OP when he was asleep and even asked her not to tell her father about the consultation. How exactly is that being honest, clear and upfront? The woman sounds like as if she has a heart of stone and is only motivated by £££. This is a man who cared for her day and night since she became ill, keeping the house 'spotless'.

She also deliberately called the OP when he was asleep and even asked her not to tell her father about the consultation.

Another reading of this is that she is afraid of him, that he's reacted badly and she is quietly sticking to her guns, making his daughter aware that there is about to be some drama if she dies.

We are all just telling stories here...no way of knowing without 1000% more detail and some hard facts.

rainingsnoring · 24/07/2025 14:59

Crikeyalmighty · 24/07/2025 14:54

I’m not getting the ‘made provision’ aspects- the bloke wasn’t a high earner and gave up his job and cashed in his pension to help look after her. He possibly doesn’t have ‘any’ income we don’t know, just as lots of unmarried SAHMs on here don’t . You can’t really ‘make provision’ when you don’t have an income coming in . I appreciate he was a shit father so it seems, but that doesn’t in my opinion give others free reign to say ‘tough shit, he should have made provision’ - how would many of you feel if this situation was reversed and you were with a bloke who left everything to his kids but you had been around 20 odd years with significant caring duties and not really able to work because of that.

If they had discussed this 25 years ago, when he had time to make provisions for himself, that would be fine. He probably would have made sure to continue to work hard, save up and certainly not entirely quite his job to care for her. He would have made sure that she funded the care herself, from her own income.
If you want a very transactional relationship, that's okay if both partners are totally honest, imo. The problem, imo, is her nasty manipulative behaviour and cold heart in breaking the news to him when she may well die very soon and he is now elderly and frail.

Notmenothere · 24/07/2025 14:58

Haven't RTFT and IANAL but if your dad is financially dependent on her, he can raise a claim and maybe get something from the estate.

I hope others read in similar situations read this. Mothers always prioritise their own children, and fathers who don't should read this and reflect.

countrygirl99 · 24/07/2025 14:58

Crikeyalmighty · 24/07/2025 14:54

I’m not getting the ‘made provision’ aspects- the bloke wasn’t a high earner and gave up his job and cashed in his pension to help look after her. He possibly doesn’t have ‘any’ income we don’t know, just as lots of unmarried SAHMs on here don’t . You can’t really ‘make provision’ when you don’t have an income coming in . I appreciate he was a shit father so it seems, but that doesn’t in my opinion give others free reign to say ‘tough shit, he should have made provision’ - how would many of you feel if this situation was reversed and you were with a bloke who left everything to his kids but you had been around 20 odd years with significant caring duties and not really able to work because of that.

I suspect a lot of the people saying that have no idea what even a couple of care visits plus cleaner and gardener to keep the property spick and span like OPs dad has would have cost the DP if he hadn't been there. Maybe she should have made provision and said "no, you need your income, I'll buy in help". Maybe she thought "whoopee, if I don't buy in care it's more cash for my DC and stuff my partner".

Allseeingallknowing · 24/07/2025 14:58

YourSnugHazelTraybake · 24/07/2025 14:47

She wasn't providing for him though. Ops made it clear that they have separate finances, so the claim would fail on that criteria.

But he did help towards bills!

rainingsnoring · 24/07/2025 14:56

nopineapplepizza · 24/07/2025 14:53

I’m struggling to see what the dying woman is doing wrong here.

The OP’s Dad and his GF aren’t committed in any of the major traditional senses; they didn’t legally wed, or form a civil partnership, they didn’t purchase a home together, they didn’t share finances in any way, the SM doesn’t even know what savings the OP’s Dad has or doesn’t have and they haven’t provided for each other in their wills.

Whilst yes, there was obviously care and possibly love, between the two of them, he’s essentially been her rent-free lodger for the last two decades, chipping in with the bills and a bit of housework and DIY, but not contributing (financially or otherwise) to any major changes/improvements to her house.

It seems that the set up was very cut & dried to both of them and as such, the OP’s dad has been an utter fool to not save up what he would have been spending on a rent/mortgage for just this situation.

It seems like the SM was mortgage free from a relatively young age, which makes me wonder if she’s a widow and maybe the mortgage was paid off with life insurance. If that’s the case, then I’m damn sure her late spouse would want his kids to inherit the house and not the live-in bf.

I think MN is very clear on people getting themselves into dependent positions on a “partner” who shares neither the deeds of their home, nor their finances. The dependent person is always strongly encouraged to work, build up savings and a pension etc in case of separation or death.

The key thing here is that the OP has had zero input into the impending homelessness of her father, it’s not like he contributed time or money to her upbringing which left him penniless, he just chose to spend his income on other things instead of saving, when his outgoings were much lower than the average person, due to not having to pay for housing.

It’s a sad situation, but one that’s likely to become more common as the percentage of home-owning women increases and the desire for independence and providing for one’s children outstrips the desire to leave any hard-earned wealth to a man who hasn’t contributed to it.

Where does it say that the situation was cut and dried between them?

Why has she only just told him that he would be homeless when she died if so? Why did she call the OP behind his back and request her not to speak to her father if everything was all discussed and organised 20 years ago, as it should have been.

Crikeyalmighty · 24/07/2025 14:54

I’m not getting the ‘made provision’ aspects- the bloke wasn’t a high earner and gave up his job and cashed in his pension to help look after her. He possibly doesn’t have ‘any’ income we don’t know, just as lots of unmarried SAHMs on here don’t . You can’t really ‘make provision’ when you don’t have an income coming in . I appreciate he was a shit father so it seems, but that doesn’t in my opinion give others free reign to say ‘tough shit, he should have made provision’ - how would many of you feel if this situation was reversed and you were with a bloke who left everything to his kids but you had been around 20 odd years with significant caring duties and not really able to work because of that.