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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

...to be shocked that my DM has sent me an itemised bill for staying at her house?

516 replies

UmBankroll · 29/08/2017 16:54

Sorry it's a long one. NC as I know some friends and family are Mumsnetters...

So, here's the story:

I'm the only child of a single mother, now in my mid-20s, moved abroad by myself when I was 18 to pursue my career. I come back to the UK every year to visit and stay with my mother for 2-3 weeks generally. Got married to my DH (who is a national of the country I live in) last year, and since getting married we have paid to stay in hotels nearby to my mother's house whenever we visit (3 times in the past 18 months).

This summer DH and I had the flexibility of being able to stay in the UK for longer, due to the fact that I quit my job and he had over a month off work. When discussing our plans with my mother during our visit back in February, she suggested we stay at her house rather than shell out for hotel accommodation for such a long time (prices are very high where she lives - prime location). DH and I were both happy with the idea so we agreed to it.

My mother's house needed a bit of attention in order to make it really comfortable for the 3 of us to co-habit for a month or so. Over a period of 3 months prior to our stay, I discussed with her the things she wanted fixing/changing as well as the alterations I wanted to make to my bedroom & bathroom. We agreed on all the refurbishments and I basically project managed from abroad whilst my mother handled things at the property. DH and I paid for absolutely everything. From two completely new bathrooms, new wooden floors throughout the whole house and new kitchen appliances, to a big new TV for the living room and lots of soft furnishings. DH and I spent upwards of £16k on all the updates (most of it on labour costs...!) and my mother was so happy with it, as were we during our stay. It ended up costing more than a hotel would have, but at least it's an investment in the property rather than just throwing the money away.

Since DH and I came back home just over a week ago, I received an email from my mother with a PDF attachment of an itemised bill for our stay at her house, listing the prices of literally everything down to the hand soap, bath towels and bed linen. Even food (although we regularly ate out or bought our own food from the supermarket and cooked for the 3 of us), and a % of the electricity bill and council tax. The bill she has written - addressed to me only - amounts to over £2000.

As a bit of back story, my mother has been struggling professionally of late (her roles are freelance and have been few and far between for quite some time) and I have bailed her out of a few financial troubles on several occasions over the past few years. At the end of last year, DH and I agreed to help her by taking over her monthly mortgage payment of £2500, which I have transferred monthly to her account ever since. It appears she has massively taken her foot off the gas in terms of trying to find work since we are taking care of this monthly payment. She's in her early 50s and in good health, but keeps dropping rather unsubtle hints about wanting to retire and be a full-time grandma (I'm pregnant with our first).

AIBU to be shocked and quite frankly appalled that she has sent me an itemised bill for the stay which SHE suggested in the first place, especially considering all the financial support we've been giving her anyway, plus taking care of renovating her home to the spec she wanted? AIBU to refuse to pay this bill? And AIBU to think she is seeing my DH (who is very successful) and I as one big meal ticket? It's unfair, it's embarrassing, it's putting an unnecessary pressure on my DH, and we are starting our own family and need to take care of ourselves - we can't bankroll her forever. I really don't know how to react or respond as I don't want to destroy my relationship with my mother, but I'm lost for words that she's taken it this far.

OP posts:
ememem84 · 29/08/2017 22:12

I know I posted earlier but I'm still just wow.

VanillaSugar · 29/08/2017 22:23

I'm trying to work out who the OPDM is. Does she sing, dance and act?

Theycalledmethewildrose · 29/08/2017 22:27

I've just RTFT and as suspected it is your inheritance.

I've seen this happen quite a bit in my profession.

Firstly, forget about the invoice. It really is irrelevant and is a bit of a red herring.

Your mother cannot continue on interest only indefinitely so this needs to be sorted out on a long term basis.

If the house needs extensive renovation work, the bank will not release more equity as she is already on interest only. Your mother is unable to repay you so just write that off too.

How much are her full capital plus interest repayments?
Is your mother willing to transfer the property into your joint names?
Perhaps with a clause that she remains living in the property for the remainder of her life?
Can you afford to do this seeing as she is a relatively young woman and this may be the position for the next thirty or forty years?
Do you even want to do this seeing as you live abroad and haven't mentioned any desire to return to the UK?
Are you willing to write off that property/inheritance/family home yourself?
Are you prepared to see the property being repossessed and the mortgage company evict your mother? Bearing in mind there is sizable equity in the property and your mother can buy another property within her means?
If yes to the above, it is better to try to persuade her to sell the property now instead of going through the courts and incurring additional legal fees and the stress that comes with it.

As you stated your mother is emotionally invested in this home, and I have seen this many times and understand why, it is better to explain to her that for whatever reason you come up with, that you can no longer afford to subsidise her living arrangements. It is advisable to go to the mortgage company and a solicitor with her so she can hear what will happen as a result of not making mortgage repayments.
I think you are (understandably) enabling her to continue burying her head in the sand.

Of course, if prior to April, she has been supporting herself and making repayments, then this may all be unnecessary. If this isn't the case, there may be other unpaid bills and debtors and your mother would benefit from going to see a financial adviser to sort this out once and for all.

It is a hard position to be in OP but I think you know that it cannot continue in the long term and thankfully your mother is in a better position than many in that she can afford to stay within her preferred area and if she budgets carefully, can afford to live off the sale proceeds of the property.

Bettyspants · 29/08/2017 23:24
Grin
Middleoftheroad · 29/08/2017 23:28

Waiting for this to appear in DM.

ThumbWitchesAbroad · 29/08/2017 23:30

Please go and see a solicitor, unless one of you is one - just check that your plan will work ok, get her to sign to agree to transfer it into your names, and watch out for inheritance tax - I suspect that, were she to die in under 7 years after transferring it to you, you'd still be liable for inheritance tax, but things might have changed (unlikely to have changed for the better where Inheritance Tax is concerned though!)

So please please go and get this legally checked and sorted.

ThumbWitchesAbroad · 29/08/2017 23:30

Oh poo. Did a refresh and didn't realise that there were another EIGHT pages after my last one on page 2 and the 3 following it. I expect that's been covered now. Sorry.

goose1964 · 29/08/2017 23:33

Same age as your mum our mortgage for around £120 k is around 100 a month so if your Mum is paying £2500 a month that would be around 2.5 million something doesn't stack up here.

kateandme · 29/08/2017 23:43

I'd be devastated if my mum did this.
I'm devastated the amounts of money are rolling off ur post without flinched.ok no that's devastating jealousy ha.
But gosh please don't pay.and have a word.shit!

Theycalledmethewildrose · 29/08/2017 23:47

Same age as your mum our mortgage for around £120 k is around 100 a month so if your Mum is paying £2500 a month that would be around 2.5 million something doesn't stack up here.

That is a very simple way of looking at mortgage repayments. The initial amount, the term plus any further mortgages taken in addition to the original, along with the interest rate, bearing in mind the initial mortgage may be on a different interest rate to any additional advances, term extensions etc are what determines the mortgage repayments plus we don't know if life assurance and its benefits, exclusions and terms is included in this figure.

SerfTerf · 29/08/2017 23:49

Is this allegorical? Confused

People don't actually , literally do ANY of theses things, do they?

FeelingAggrieved · 30/08/2017 00:13

I'm sorry I have nothing to add other than WHAT THE FUCK.

BagelGoesWalking · 30/08/2017 00:48

Placemarking as utterly fascinating.

Please see a solicitor about this.

Getout21 · 30/08/2017 01:06

I'm confused as to how you managed to redo 2 bathrooms plus new floors in a house worth 1.9m for 16k. Can I have the details of your workmen?

Shelvesoutofbooks · 30/08/2017 01:12

What the fuck

Getout21 · 30/08/2017 01:13

Cross post Jiggly

Postagestamppat · 30/08/2017 01:48

Just read the whole thread! I also think that there's going to be a stack of other debts somewhere. The OP hinted at mental health issues. This could explain the financial recklessness (and lying). That bill is probably the tip of an iceberg.

Fruitboxjury · 30/08/2017 03:03

I can believe the cost of work, I normally allocate about £5k to fully fit and tile a mid spec mid size bathroom. Floors could be done on the rest.

I've no words other than I'm sorry you're in this position op. I think you would be wise to break her dependency on you and do whatever you can to have a more balanced relationship, she's still young and you shouldn't be taking on this burden for her right now. Thete will be many years ahead when she needs you, I would also echo third party advice to inform your choices

UmBankroll · 30/08/2017 04:51

Apologies for disappearing last night - we are in a different time zone :)

Just caught up on all the replies and thanks again very much for such constructive and helpful advice. Your post in particular @Theycalledmethewildrose

I now feel I have far more clarity about how to handle the situation, and having written it all out and seen your responses in black and white, it has given me more confidence in my convictions in being tough on this rather than allowing myself to be guilt tripped any further. I already tried the 'cruel to be kind' approach towards the end of my stay when I gave her the ultimatum about either starting to pull her weight again or downsizing to live within her means, but I was met with a very overemotional and overdramatic response; floods of tears, and accusing me of being unrecognisable as the 'once kind and compassionate' daughter she thought she raised. Being incredibly hormonal (thanks, pregnancy!) it also really upset me and so I avoided pushing it any further at the time. But now I need to be resolute and separate the emotion from the situation.

@Rhubarbginisnotasin Yes - I think you may have recognised me from another post a month or so ago under my usual username :) I slightly amended some of the (insignificant in terms of the thread) details such as the exact timing of my pregnancy, as I'm a regular poster in my relevant birth group on here and didn't want it to be quite so easily traceable!

OP posts:
daisychain01 · 30/08/2017 05:07

we agreed with her that as soon as we were able to pay off the £450k mortgage we would clear it and transfer the property into mine & my DH's names

Really? £450K mortgages don't just disappear overnight. And between you and your DM, you're in hock to the tune of £700,000.

I'm amazed you all sleep nights with all that debt hanging over you!

MysteryMacavity · 30/08/2017 05:18

Get her to sign the house over to you now and you can sort the mortgage out properly. She can have a legal guarantee to remain in it.

There's no way you're going to inherit this otherwise.

malificent7 · 30/08/2017 05:57

I dont get why you refurbished her house so you could stay tbh Confused

WelshMoth · 30/08/2017 06:26

She's clearly constantly remortgaging and taking money out for day to day spunking on shit.

She ISNT WORKING? That means she's getting money out the house

That house will get reposessed due to her dodgy dealings It's not coming to you

STOP GIVING HER MONEY

Have to agree with Laurie - she's not working but remortgaging to fund her lifestyle surely? Is there any other explanation for having such massive repayments? Especially since she bought the property such a long time ago.

Is she a big spender? Drinker? Drugs? Plastic surgery? Not being flippant OP but this is a serious amount of money and, despite you and DH being high-earners, this could very well cost you the very thing you're ploughing your cash into. Something doesn't sound right at all.

As a pp pointed out, your baby is on the way and I'd be ploughing every penny into that.

AddToBasket · 30/08/2017 06:26

Hi OP, these are large sums but the problem is actually not that rare: she isn't prepared to stand on her own two feet.

You really don't want this relationship dynamic with your mother. You can make a normal mother/daughter relationship but you need to put up much firmer boundaries to benefit everyone.

There are two options:

  1. She sells to you
  2. She sells to someone else

Those are the only two options rooted in reality. She can't afford the property. (Or, more accurately, she couldn't afford all the things she spent the re-mortgage money on)

You can't be involved in telling her to work more, put in an effort etc, because that will result in an ongoing parent/teen relationship with you as the parent. And it sounds like she has become so crazily entitled that she genuinely believes no work and zone 1 mansion are hereby right anyway.

Instead, you can (and should) withdraw from paying the mortgage. The 16k has gone, I'd write that off now.

Let her sell the house and then get her back as your mum, not some teenage leech.

newdaylight · 30/08/2017 06:31

Surely just send her a bill of the 16k work and also the mortgage repayments so far. Job done

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