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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:
BananasAreGood · 30/08/2017 14:39

This reply has been deleted

Message withdrawn at poster's request.

Getout21 · 30/08/2017 14:53

I'm in London in a very expensive flat. I have been quoted 10k+ for one small bathroom excluding fittings so that why I questioned it.

Good luck OP hope you get it sorted.

OuaisMaisBon · 30/08/2017 14:54

Will you be able to get a mortgage as a non-resident ex-pat?

Morphene · 30/08/2017 14:56

holy moly.

I think the 2000 bill makes sense if you are really only paying her mortgage...because she has no paid work and needs to eat somehow.

Not that you should pay it...or the mortgage without some serious legal groundwork!

UmBankroll · 30/08/2017 14:57

@OuaisMaisBon A good question - thankfully though, we have already been approved for a larger than necessary sum from our bank in our country of residence. They have a special service for providing UK mortgages as it is popular for nationals of this country to buy property in London in particular.

OP posts:
Theycalledmethewildrose · 30/08/2017 14:58

OP If your mother agrees to option two (transfer into your names which is obviously a terrific option for your mother) and a long term investment for you, can you realistically afford and commit to repayments, renovations and maintenance which the property will inevitably need for the next thirty plus years given you are now starting your own family and who knows what the future holds - ill health/marital breakdown where one of you may insist on realising the asset sooner etc.

Of course, if you can afford it, it is potentially a pension for you or an inheritance that although skips your generation will be there for your own child/children.

To safeguard yourself, I'd get legal advice and ensure your mother is aware too.

Titanz · 30/08/2017 15:04

Do you really want to continue living with her?

What about when she becomes older and potentially infirm?

namechangefordummies · 30/08/2017 15:05

Just a little legal advice:

If she wont put the property into your name or agree in writing to repay you what you've paid on the mortgage I would suggest you discuss with your solicitor whether you can assert a constructive trust over a portion of the equity based on the payments you've made and the renovations you've paid for.

I think you may struggle to assert that the money was a loan and that she should pay it back unless you intended this clearly at the time. "Intention to create legal relations" is a key requirement of a contract and unless it was made clear to her at the start that it was a loan only then a court would probably call the mortgage payments "gifts" and you will only be able to asset a constructive trust rather than getting them to enforce a loan relationship.

You cannot force someone to hand over the legal ownership of their property to you, but a constructive trust will allow you to obtain the portion of the equity that you've effectively paid for upon her or anyone who inherits it's selling of the property.

OuaisMaisBon · 30/08/2017 15:06

That's good, UmB - we looked at getting a small mortgage for a UK property, as non-resident ex-pats, and though it was physically possible, the mortgage interest rates were so exhorbitant as to make it completely unworkable for us.
(I thought I'd guessed which country you live in but am wrong given the time difference!)

PeaFaceMcgee · 30/08/2017 15:10

Do see how many legal charges there are on the property, and to which companies. You won't be able to see the amounts of debt, but I'll bet there's more than one mortgage company owning the property.

You can download the deeds for £3 instantly online at: eservices.landregistry.gov.uk

SheSaidHeSaid · 30/08/2017 15:13

I think your response with the options is perfect UmB. I hope things work out for you all.

nameusername · 30/08/2017 15:14

@UmBankroll Hope you get this sorted out amicably and get yourself a good solicitor. I don't know if it's relevant but just in case:

www.dailymail.co.uk/news/article-4783218/Couple-forced-tenant-cheap-rent-LIFE.html

Theycalledmethewildrose · 30/08/2017 15:15

More than one mortgage company owning the property.

I have seen it happen but this is a problem for the mortgage company more than the OP.

PeaFaceMcgee · 30/08/2017 15:21

Well, it's a problem for the OP of the total of all the charges is not as she has been led to believe!

Plus I'm not sure if some equity loans are hard to extricate oneself from...

ofudginghell · 30/08/2017 15:28

Send her a full itemised bill of all mortgage payments you've made so far.
Then also attach a full itemised bill of all the work you have paid for

Attach a note telling her if she ever tries to pull that one again after everything you and your dh have done you will be going no contact.
Tell her you will expect an apology on receipt of the email.

Some people have no shame

Wrapmeupincottonwool · 30/08/2017 17:39

When I read posts like these I struggle to believe they are true. Don't get me wrong, they probably are. But who does that? Seriously, are there people in this world who do that?
Also £2.5k is a huge mortgage. I think it's time she sells up, buys a smaller place, freeing up some extra cash and living within her means.

LaurieF · 30/08/2017 17:46

WHAT THE ACTUAL FUCK.

I'm not sure what I find more ridiculous in this thread, the 16k needed to bring the house up to your standards enough to stay There, the 2500 a month mortgage or the bill?

All ridiculous by anyone's standards!

coulditbeforever · 30/08/2017 17:46

Just a thought, but could she sell the house and down size?! And if so, would you be entitled to your money back?

OceanWaving · 30/08/2017 17:48

Well done for your reply.
She is clearly expecting you to pay for her retirement and she might not sign over the house either, or leave it to a cat charity.
Whatever you do don't let her move out to live with you when the baby is born.
Tell her you need to keep the money you were sending to pay for your child and their private schooling. She will hold the property and inheritance over you. But you arbiter letting it go and not sending her any moe money and putting that nearly thirty grand a year towards buying your own second property etc.

sprot · 30/08/2017 17:48

They do say you can't choose you're family,my goodness she's taking advantage of you both,hope you get it sorted

Rhubarbginisnotasin · 30/08/2017 17:53

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

AimeeNoOneTheSamee · 30/08/2017 17:57

Chin on chest in shock whilst reading this entire post!
Do you know what I do to make myself more comfortable at my mum's house... take my bra off Grin

WomanWithAltitude · 30/08/2017 18:02

But you arbiter letting it go and not sending her any moe money and putting that nearly thirty grand a year towards buying your own second property etc.

^ this. 30k a year into a pot which will be taxed at 40% when it eventually reaches you (what's left of it), is a really bad investment.

Your post above is good - be careful that she doesn't manipulate you into backing down and doing what she wants, as she is very good at guilt tripping you! Good luck. Flowers

Disn3yN3rd · 30/08/2017 18:03

Bookmarking to read later.

Madsy1990 · 30/08/2017 18:04

Well this all seems a little odd

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