Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

It's not in the will but...

229 replies

JillCrewe · 30/04/2015 15:32

... this is doing my head in. I think I am bu....here goes.
I am a widow with 3 young DC, and both my parents died before and shortly after DH. His mother died days before he did; his dad died long ago. So DD, the eldest (DS was a baby) had all this death and visits to hospital and caring for terminally ill people to endure.
I am broke in cash terms, living in small terraced house working pt. I invested the money late DH inherited in another similar little house which I rent out; I want my children to inherit something. I don't really see this as my money. So to many people I am probably rich tho' I do have lots of loans to pay.
The bit I cannot cope with is my BIL, who has no children and no living relatives apart from my children. He refuses to help me out in any way whatsoever, and now lives a comfortable semi-retired life, benefitting also from a huge inheritance from a childless godparent. Think 4 bed executive home, new car, lots of foreign holidays a year, new kitchen, garden relandscaped etc.
Just 2% of the inheritance from his parents, my DC's Grandparents, would lift me out of my overdrafts (not the mortgage and loan) and help see me through to when my son starts school and I can increase my work hours. I am permanently exhausted, pay over half my salary on childcare, and am trying to survive financially on less than one quarter of our income when DH was alive.
DD was very traumatised; I try so hard to keep her spirits up. She has loves riding, and so that it was she does, but none of these things are cheap.
I know I should not expect BIL to feel under any obligation to support his late brother's family. But he takes no interest in the children (also his godchildren) and their ups and downs, and further has told me categorically never to expect help from him. Yet he expects to see them each school holiday and I promised dying DH that I would not alienate the children from his brother.
We didn't see him last holidays because in reply to his suggestion that it was time to meet, telling us how LUCKY we are, I told him we didn't have luck and we are broke and luck would be some financial assistance. He hasn't contacted us again.
I feel such a failure. But I can't get out of my head that morally he should help us, because he can. I'm not asking for his hard earned cash. Just some recognition that my children did not have any provision in the will and he has the power to change that. So please tell me I have no right to expect financial support from him, and the notion of more wealthy family members helping out poorer ones died 100 years ago.
I never treat myself, no hair cuts, no alcohol, everything goes on the children. I was even given a bottle of wine by someone I had helped, and guess what, I gave it to him as a birthday present when we last met. There's so much more horribleness, from him, but right now I am stuck with the promise I made DH and the sheer falseness of the situation.
Did you really read all that?!?

OP posts:
shewept · 30/04/2015 16:12

So it's the fact that he has inherited extra money from grandparents you are upset about? Because you got an equal share of your pils inheritance and bought a property?

Unless you have a legal claim on the godparents money because Dh was in the will, yabu. Sorry.

You can't have a claim on money that is left to someone else. Maybe bil is planning on leaving some money to his godchildren.

Your children would rather have you, less stressed and happier (as much as you can be) than have some money when you die.

frikadela01 · 30/04/2015 16:15

I don't get the obsession with ensuring children have an inheritance. My friend inherited a house from her ma... she regularly says she would give everything back for 5 minutes more with her. It's just money. unless you've brought your children up to be money focused then they won't give 2 hoots what they inherit... sell the house and hAve a good life now rather than struggling.

mynewpassion · 30/04/2015 16:16

You have to ask....2% of what? 100k, a million, 20k?

Nanny0gg · 30/04/2015 16:18

You need the money now.

Sell the other house and pay down your mortgage so you have enough to live on. Your children can inherit your house one day.

I know it would be nice if your BiL helped but he obviously objected to being asked had it's clear he won't.

Sell the other house - you can't afford to maintain it anyway.

Trooperslane · 30/04/2015 16:19

As ever, Worra speaking lots of sense.

Use the money on the living now. And as someone who has had lots of bereavement, I am so sorry Thanks

slithytove · 30/04/2015 16:20

Did your DH and BIL inherit equally from their parents?

Sorry for your losses.

cavkc · 30/04/2015 16:23

When your MIL passed did her will leave everything to the one son?

I know you said he had a large inheritance from a godparent but you then mention how 2% of what he had inherited from his parents would help you considerably. Just trying to get my head around it all .

However if your MIL's will left everything to be split between her two sons, then with her dying prior to your DH, upon his death his share would pass to his own children.

cavkc · 30/04/2015 16:25

Oops sorry just read your OP again

Sorry but I think you are being a little unreasonable. You had the choice of what to do with your share but now you want BIL to give you some if his

shewept · 30/04/2015 16:27

Cavkc I think the OP did get what should have been her husbands share. Its the fact that she doesn't have access to the money and the fact that bil got more inheritance from someone else, that's bothering her.

shewept · 30/04/2015 16:28

Crosspost cavkc I think that's right, but not 100% sure

WhereDoAllTheCalculatorsGo · 30/04/2015 16:29

It won't pass to his children, cavkc, it would pass to whoever he had stated in his will. If there was no will it is the first £250k and half of the rest to the widow.

shewept · 30/04/2015 16:31

I'm not asking for his hard earned cash. Just some recognition that my children did not have any provision in the will

Which will are you talking about here?

If its your pils, they did get provision as you got dhs share. If its the godparents, then why would their uncles godparents make provisions for them?

Sorry OP I know this must be hard for, just trying to understand.

ItsADinosaur · 30/04/2015 16:33

You need to sell the other house. Struggling every day when you could help yourself doesn't make any sense. Why are you so fixed on your DC inheriting something?

DayLillie · 30/04/2015 16:35

I get it that OP inherited from pil and bought a house with it to rent out, but still has outstanding loans

BIL inherited from pil and godparent and has not debts.

bil does not want to give them some of his money.

PtolemysNeedle · 30/04/2015 16:35

I'm so sorry for your loss. My DH died too, and it's shit.

As much as it would be a nice thing for your BIL to do if he gave you some money, it's one of those situations that could quickly turn very difficult. There would always be more that you and the children could benefit from if BIL gave you more money, and he probably see it that you are being unfair to hint that you need money when you have already done what you chose to do with your husbands share.

I agree with others that it could be a good idea to sell the house, unless you are getting a rental income from it. You and your children don't need it if you have the house you live in, and you'd be better able to manage.

GloGirl · 30/04/2015 16:37

Can you get a 10% mortgage on your other house?

Why can't you live in it now and pay no mortgage and still consider it your DCs assets?

chickenfuckingpox · 30/04/2015 16:42

ok so selling the house would help long term but short term no can you not consolidate your loans into one lower repayment? are you getting all your benefits if your under the cap you should be getting help with childcare and more than you got as a married woman as your (sorry about this) single parent now and your entitled to more

long term can you get a better job?

sorry for your loss and i understand middle of the night envy and if only people would just help me scenarios i dream of them all the time i began playing the rip off lottery again because im desperate for my luck to change and i never sleep ive had 6/7 hours sleep in over 48 hours

really wish i could help sorry xx Flowers

paxtecum · 30/04/2015 16:46

Oh love, just sell the other house.
Your life will be so much easier.
Is it more complicated though? Do you get Universal Credits or Family Tax Credits because you work PT?

If so, I presume you would loose those if you had money in the bank.

But really, just sell the house. Get rid of the stress of being broke.
Your children will be happier if you are not stressed about money.

The tenants will be fine. They will find another house. Please don't worry about them or maybe another LL will buy it so they can stay.

Littlemonstersrule · 30/04/2015 16:47

Why can't you live in the house you own outright?

Your BILs God parents wouldn't have included your children in their will, why should they? You can't expect BIL to bail you out for your choice to work part time and spend an inheritance on a property you don't live in.

Jackieharris · 30/04/2015 16:48

Go to the citizens advice or free money advice service and check you are receiving everything you are entitled to.

You shouldn't be that broke.

You can claim wtc as a self employed person.

Are you getting bereavement benefits and widowed parents allowance?

Forget about the bil. If he was going to be generous he would have.

Have you worked out if you can get childcare tax credits if you up your hours sooner?

PtolemysNeedle · 30/04/2015 16:50

Widowed parents allowance isn't means tested, so if you aren't already getting that then you should look into it.

JillCrewe · 30/04/2015 16:50

I've only estimated the 2% thing for the purpose of this post. I am being unreasonable in one way, greedy for my children perhaps? But in the past I gave money to both my parents and my siblings when they needed it, not that I ever had much to share. So I suppose I am expecting him to do what I would do.

Actually I think that I will email him and directly state my case. I will not say that he can't see the children if he doesn't pay. That is too wrong. But I could ask him how he would feel meeting them but knowing that he won't help them. If I'm brave enough, that is.
There is the other house to fall back on. But what I didn't say was that as executor to the will he wasn't going to let me have anything directly and approached my brother, behind my back, to ask him to administer my part.
Thanks everyone I have been overthinking this; tired and stressed. Think...Hacked: why did you post that? No maybe don't answer that question.

OP posts:
madmother1 · 30/04/2015 16:53

I'm sorry for your loss. I agree with a lot of posters here. Sell your Btl. Free up the cash and be comfortable. Did you not have life insurance? I personally would not expect my BIL to help me out with money even though he is wealthier than me. Please don't spend your life being envious about his money. It will eat you up. Flowers

Viviennemary · 30/04/2015 16:59

You've had a really tough time. But your BIL doesn't really have an obligation to suppport you and his brother's children financially. I don't quite get the if he handed over 2% you'd be fine. Did your late DH not inherit the same amount from his parents as your BIL did. Not sure I agree with selling the house as the rental is providing extra income and money in the bank earns practically no interest and will just dwindle away paying bills.

Vycount · 30/04/2015 17:00

Op, I think you've lost perspective here a bit, which is understandable when you are so stressed.
BIL was executor for the will and he arranged for you to get the half share that was yours. It doesn't matter how really, you got the money.
You chose to invest in a house, but with the benefit of hindsight it appears that wasn't the best thing to do. So you need to sell that house and use the money in the best way you can to reduce your monthly outgoings. Maybe you can pay off your mortgage for example.
I don't think you should expect any money from your BIL and when you say that he has told you not to expect anything from him - I can't help wondering if he already feels that you are after getting money from him. I should think that from his point of view he can see that the answer to your troubles is staring you in the face - sell the second house that you own.

I think that you would be very wrong to email him asking for money and trying to guilt-trip by implying he should feel bad seeing your children if he doesn't pay up. That's hardly ethical is it?
You feel that both brothers and your children should have been given money in the will. The fact is that the people who made the will didn't agree with that. It was their will that it be split the way it was.
This may sound harsh, but you have the solution to this within your power and should really accept responsibility for doing something about it.