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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:
SarfLondonLad · 24/07/2025 11:07

As a retired IFA I have seen this situation arise more times than I can count.

The only thing that is unusual here is that it is the male half of the partnership who risks being made homeless.

Marriage (or a civil partnership) is more than a bit of paper or an obsolete institution. It provides valuable legal and financial protection for the surviving partner when the other partner dies.

If you don't want to get married or enter into a civil partnership, you need a shed load of paperwork (which must be kept up-to-date) to get anywhere like the same degree of safety and protection.

Malaco · 24/07/2025 11:00

Maybe he should tell the family he will not be providing any more care and they can either provide it or she can go into a home and swallow up their inheritance. They are nasty users.

Alondra · 24/07/2025 10:59

Except people with children from previous relationships are advised on here not to marry due to this situation.

If anyone makes important life decisions based on posts read on Mumsnet, they need their head examined.

Malaco · 24/07/2025 10:57

Greyhound98 · 24/07/2025 10:53

Except people with children from previous relationships are advised on here not to marry due to this situation. She is protecting her children’s inheritance by not marrying, and has made a Will expressing her wishes for her assets to pass to her children. She makes a fair point that he has lived mortgage/ rent free for 20 years.
he could have been
saving/building his own asset during that time, but unfortunately a lot of people don’t think ahead or think with their emotions rather than their brains, and end up vulnerable.

He has provided a lot of care for her. The house would have been swallowed up by care fees if he'd buggered off. The family will get an inheritance because of the care he has provided, so they will profit a great deal from his labour

hagchic · 24/07/2025 10:54

I wouldn't be doing anything, not now, not if she dies.

Her children can deal with the situation . If they want him out then they can set about managing that - they might find it a bit harder to do in reality than in theory.

She's utterly selfish - she has taken all she wants from him and now somehow thinks you should get involved to clear up her mess, leaving it all nice and tidy for her children/grandchildren.

Let it be messy. Very messy.

Greyhound98 · 24/07/2025 10:53

Except people with children from previous relationships are advised on here not to marry due to this situation. She is protecting her children’s inheritance by not marrying, and has made a Will expressing her wishes for her assets to pass to her children. She makes a fair point that he has lived mortgage/ rent free for 20 years.
he could have been
saving/building his own asset during that time, but unfortunately a lot of people don’t think ahead or think with their emotions rather than their brains, and end up vulnerable.

Malaco · 24/07/2025 10:52

Tray80 · 24/07/2025 00:58

This is exactly what I thought. I mentioned this exact arrangement and she came back with the fact that he prob wouldn't take care of the house, which is utter rubbish as he currently does and then went on to say that he could live for another 20 years which wouldn't be fair on her kids as they shouldn't have to wait this long for their inheritance 🙈

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.
If your dad hadn't been around to care for her and she'd needed to go into a home, there'd be no inheritance as the house would have been swallowed up by care fees. They are scheming bastards. They've done very well out of your dad providing care.

CaptainFuture · 24/07/2025 10:46

StormyPotatoes · 24/07/2025 10:38

Why are you viewing a fully grown man as being so hapless and drippy on here? How do you know he didn’t just decide he couldn’t be bothered with his child/grandchildren?

My mum doesn’t speak to me or her grandchildren and I can tell you with certainty it isn’t because her partner has kept her away from us for all these years. She had the autonomy and the capability of keeping a relationship with us. OP’s father could have but chose not to. The only person I feel sorry for in the situation is OP and I think she’s already over investing her self in someone who’s given very little consideration for her over the years.

Edited

This. All the you need to lawyer/speak.to her/step kids/housing posters are frankly ridiculous.
He's had capacity and ability to start relationship with this woman, work, live etc for last few decades, has not given a shiny shit about op and her family, but now she's to step in?
Wonder if he's actually behind the guilt trip?

MoFadaCromulent · 24/07/2025 10:46

Gloriia · 24/07/2025 08:16

Why, he loves her. He just has to accept it is her house, for whatever reason he hasn't protected himself legally. Of course she'll leave her assets to her dc.
He can rent when she's gone?

As someone above said, they've kept they're finances separate specifically for this reason, and I completely agree with her decision to do so.

They've also done it so that when an arrangement no longer benefits the others they can walk away guilt free.

Her illness is now impacting his health and lifestyle and he's vulnerable. She's happy that they've nothing to do with each other financially and that she has no obligations towards him, equally he owes her nothing.

Alondra · 24/07/2025 10:44

Iocainepower · 24/07/2025 10:31

Yes I understand there is a clause referencing long-term cohabitees, but the one i’ve read specifically mentions that they also have to have been financially dependent on the deceased person who owned the property. I’m struggling to understand how Op’s dad would qualify in this instance, having worked but also had low living costs.

You are literally reading the word "dependency" as an adult fully dependent on another. It's not how the Court interprets the Act in a long term partnership - both cohabitating partners are dependent on each other because of work, moneys and personal care shared in a committed relationship for many years.

The OP's father has a much bigger chance of success against the Will because he's been caring for her for several years because of her ill health.

Any solicitor will take on the case without a problem.

Biids · 24/07/2025 10:42

Tray80 · 24/07/2025 02:12

That's very kind of you to say! Thank you so much. Despite most of the negative replies I will carry on caring and hope for the best🙏

OP - I mean this kindly, but make sure you can tell the difference between classing replies as “negative” or seeing them as an objective view of reality. Because you will pay a heavy personal price if you can’t.

This man has significantly neglected you - make no mistake about that.

tripleginandtonic · 24/07/2025 10:41

You don't owe her anything, so if you feel like you want to or should tell your dad about the conversation then tell him.

StormyPotatoes · 24/07/2025 10:38

ImTheLittleRedHen · 24/07/2025 10:32

Shes kept him away from you all these years. Now she’s letting you know you’re going to have to take him in as soon as she dies. She’s used him. It’s all very very sad.

Why are you viewing a fully grown man as being so hapless and drippy on here? How do you know he didn’t just decide he couldn’t be bothered with his child/grandchildren?

My mum doesn’t speak to me or her grandchildren and I can tell you with certainty it isn’t because her partner has kept her away from us for all these years. She had the autonomy and the capability of keeping a relationship with us. OP’s father could have but chose not to. The only person I feel sorry for in the situation is OP and I think she’s already over investing her self in someone who’s given very little consideration for her over the years.

whitewineandsun · 24/07/2025 10:37

LittleGreenDragons · 24/07/2025 07:12

she has always funded everything they've had done on the house and never let my dad contribute a penny

Where's your dad's money? If he's only been contributing his share of utility bills and food, with the odd holiday, where the hell has 22 years of wages gone? Even with NMW he should have a decent pot somewhere. If he's wasted it away then I'm not surprised she thinks he wouldn't take care of her house. Ask your dad where his money is before blaming the SM.

Absolutely.

EastGrinstead · 24/07/2025 10:37

SamiSnail · 24/07/2025 09:47

I truly feel for you OP, on both fronts. Your father abandoning you, and this happening to him. I wonder if he makes bare minimal contact with you over the years knowing this could happen and he may need to ask to live with you, so he's keeping the lines of contact open with you only for his benefit.

I'd tell him he needs to ask to stay with these step kids he's ooooohhh so close to. After all, he chose them over you, they'd never turf him out, right? I'd be telling him he made his choice and needs to show up on the step kids' doorstep. Not yours.

PS This is another 'what happens when you don't enter the legal commitment of marriage' story. Part of me thinks he made his choice not to marry this woman he so claims to love so much. He refused to do the decent thing and put a ring on it, so why tf should she show any legal commitment to him? He didn't love her enough to commit to her - the ultimate proof of love, he got what he deserves imo.

Edited

It's almost certain that this woman chose not to marry.

She kept her finances separate. She ensured that OP's dad did not pay towards the house and would not have a claim on her home if they separated. She had nothing to gain from marrying a man with no assets and a low income as she would have had a lot to lose in the event of a divorce. She prioritised herself and her children's financial future.

What makes you believe that it was the OP's father who made the choice not to marry?

AlwaysGardening · 24/07/2025 10:37

Haven't time to read through whole post but a solicitor could advise whether The Inheritance Act 1975 would apply to him.

LJ125 · 24/07/2025 10:36

If she dies and it leaves him in a precarious financial position, have a look at the Inheritance (Provision for Financial Dependants) Act 1975.

ImTheLittleRedHen · 24/07/2025 10:32

Shes kept him away from you all these years. Now she’s letting you know you’re going to have to take him in as soon as she dies. She’s used him. It’s all very very sad.

99bottlesofkombucha · 24/07/2025 10:32

PixiePuffBall · 24/07/2025 10:29

I wouldn't be taking him in. It sounds like this is what that conversation was really about – preparing you to take your Dad in and be full time carer to him when it's needed. It's hard but I would have a frank conversation with your Dad about what his plans are if his partner is to pass away and making it clear that, while you'll help, you aren't in a position to put him up.

And tell her clearly he won’t be getting a home with the op. She’s deluding herself that she’s not tossing him out on the streets. Op, suggest to your dad someone else prep and take her to the hospital, he doesn’t need to hold her hand she has kids for that, he needs to pack.

Iocainepower · 24/07/2025 10:31

Pookalooks · 24/07/2025 09:58

Yes, the Act covers cohabitees - see s1(1)(ba) and (1A). They are entitled to reasonable financial provision for maintenance from the estate - what that actually is depends on the facts of the case - and I have lost track of the case law here. On the facts as described, I would think that some provision is reasonable. With luck, this could be agreed without going to court.

Yes I understand there is a clause referencing long-term cohabitees, but the one i’ve read specifically mentions that they also have to have been financially dependent on the deceased person who owned the property. I’m struggling to understand how Op’s dad would qualify in this instance, having worked but also had low living costs.

YourLoyalPlumOP · 24/07/2025 10:30

Tray80 · 24/07/2025 00:48

He already knows so unfortunately it wouldn't really make much difference to his situation.

This is almost exactly like my own situetion

except my dad died. Leaving my step mother. Who now statuses me dad who had at least £700k in his bank of selling some houses. Apparently died with nothing…not a single penny.

PixiePuffBall · 24/07/2025 10:29

I wouldn't be taking him in. It sounds like this is what that conversation was really about – preparing you to take your Dad in and be full time carer to him when it's needed. It's hard but I would have a frank conversation with your Dad about what his plans are if his partner is to pass away and making it clear that, while you'll help, you aren't in a position to put him up.

Alondra · 24/07/2025 10:29

Mirabai · 24/07/2025 10:20

I like it when someone turns up on the thread who knows what they’re talking about.

Some of us have been saying the same thing early on this thread.

lovemeblender · 24/07/2025 10:22

SunnyViper · 24/07/2025 10:15

I don’t understand how people leave themselves so financially vulnerable in relationships.

I see this as self induced vulnerability. If you have been happily living for decades without housing costs, you have been very foolish if you haven't saved something to invest elsewhere.

StormyPotatoes · 24/07/2025 10:21

Some facts:

  1. OP’s dad already knows the situation. He’s always known it, but it’s been clarified again over the past few weeks. It sounds to me like either he isn’t taking the situation seriously or his DP is genuinely worried and giving OP a heads up so she can support her dad.
  2. He has only paid for utilities and holidays over the years. He has no stake in the house at all. He has benefitted far more than he’s lost. I’m not sure why posters are pretending otherwise. Where was the rest of his wage going?
  3. He’s been a truly shit dad and grandfather over the years.

Quite why so many posters think he should be owed anything more is beyond me.

If OP wants to help him at all, she can have a frank conversation keeping emotions aside and find out whether he’s a) put aside any assets over the years, b) help him practically after/if the time comes and support him by finding his own accommodation.

I think it also needs clarifying whether he could even afford the upkeep of the house if she did let him stay in it. Considering he’s now living off a pension (and not by the sounds of it any savings), could he afford the maintenance and bills, or would it be expected the children need to foot the bill whilst he remains there as it’s their property?