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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:
OJZJ · 30/08/2017 18:05

Can she sell you the house so you can get it at a price that clears her mortgage ie 450k but still considerably cheaper than market value plus your repayments would be less that 2.5k pm then let her live there either at a highly subsidised rent or rent free for the duration of her life. Cannot believe how many people took out interest only mortgages in the 80s. The remorgaging would be from living beyond her means getting into loads of debt then remorgaging to clear no doubt- I knew somebody who did this several times as his house rocketed to six times in value of the price he paid.

hollyisalovelyname · 30/08/2017 18:13

OMG.
Unbelievable.
I never cease to be Shock by some of the revelations on Mumsnet.
Your own mother charging you despite you paying her mortgage.

AnnabelC · 30/08/2017 18:14

I understand if you are contribute to the paying of a household or mortgage. If you can prove it and that goes for partners where one owns the house. You can register with land registry. Home rights

Abbylee · 30/08/2017 18:17

I think that if you are paying the mortgage you should put your name on the deed. Nothing is stopping her from selling. Also set up direct payment not to her. That way
You are investing in your property.
She could have onset dementia? Has she always been cheap? Maybe she's embarrassed/socially awkward and doesn't want to tell you she's run out of money? She could also resent your financial situation. I'm sorry, you sound like a lovely daughter. Best wishes on your babyFlowers

Abbylee · 30/08/2017 18:20

This reply has been deleted

Message withdrawn at poster's request.

muffinlondon · 30/08/2017 18:23

Well done for responding to her on the bigger issues

Abbylee · 30/08/2017 18:26

Oops, how do you delete msgs???

h0rsewithn0name · 30/08/2017 18:26

And I thought my mother was a problem!

JournalistEmily · 30/08/2017 18:28

I am actually very surprised that anyone would take the piss like that...,however I do sort of feel from your OP that you may have set this one up for yourself. As much as your mother is being completely unreasonable, it also seems a bit odd to be paying her mortgage and to redo her home. It's hardly like £2,500 a month and £16k is spare change. Do yourself a favour - tell her where to go, but also stop paying her mortgage. She's early 50s and able bodied - being bankrolled by her daughter isn't helping anyone....

IFinishedTheBiscuits · 30/08/2017 18:30

It could have been a self-cert mortgage if she took it out 10 years ago. A friend took one out, despite being early 60s, lied about income and as it's interest only, will never own the house. He now can't afford to retire.

missbloomsbury · 30/08/2017 18:31

Dear OP I have an interest only mortgage for £470k. It costs me £804 per month. Apart from your mother's appalling behaviour, these sums don't make sense!

Tapandgo · 30/08/2017 18:33

My guess is you may not inherit this house - it might be sold to pay debts. If she is sending you an itemised bill after everything you've shelled out already / there is something very odd going on. Every success in getting the house transferred to you

punkpuffin · 30/08/2017 18:38

Wow, I think you need to put a stop to this as soon as possible!

Crazyunicornlady · 30/08/2017 18:38

Personally I think she is angling to sell the house, pocket the profit and then move to wherever you are to take up her full time grandma duties. I would tell her to pay her own mortgage

MoveOnTheCards · 30/08/2017 18:38

Rhubarb, are you trying to out the OP?

skyzumarubble · 30/08/2017 18:38

Wow.

Good luck op as this bounds like a hell of a mess. I'd be concerned about the level of other debts too to be honest.

Rhubarbginisnotasin · 30/08/2017 18:43

Rhubarb, are you trying to out the OP?

I would never expand on any reply she gives so no, Im not trying to out her.

AbitSceptical · 30/08/2017 18:45

OP - aside from the financial mess, I would be very careful about how you involve your mother in dealing with your own child. Someone that delusional and irresponsible isn't likely to be a reliable babysitter or good support to new parents.

Good luck.

jayne1976 · 30/08/2017 18:47

Sorry utterly lost for words. I would say pay, but then say we won't be able to cover your mortgage this month as a result, but she obviously knows that's not the case.
Whilst you don't want to down play your partners success, can you say there has been a few issues at work and you won't be able to continue to pay the mortgage long term and now that 'you' have paid for the property to be renovated it might be worth her thinking of her future long term and downsizing.
It's clearly only
Going to get worse!

UmBankroll · 30/08/2017 18:48

Thank you so much again everyone for some invaluable advice.

Thanks for the link @PeaFaceMcgee - I have downloaded the title deed and am now even more confused! The main Land Registry record says the property is Freehold - as I always believed it was - however the title deed mentions leases of 99 and 125 years?! And also states the following:
'Lender(s): NONE'

ConfusedHmmShock

Screenshots attached, but of course I've redacted the sensitive information.

So what on earth does this mean?! Obviously I'll be consulting a solicitor tomorrow but if anyone is able to shed some light that would be greatly appreciated.

...to be shocked that my DM has sent me an itemised bill for staying at her house?
...to be shocked that my DM has sent me an itemised bill for staying at her house?
OP posts:
caramac04 · 30/08/2017 18:48

I'd almost like to think she has some sort of mental illness because her behaviour is beyond cheeky and fecking entitled. I am so sorry OP but you are right - you and DH are now seen as a meal ticket. This is really sad and I would be very hurt but also extremely pissed off. I wouldn't be paying her cheeky taking the piss itemised bill but would be having a stern word. Possibly my last if she is unable to see what she has done. 💐🍷

Rhubarbginisnotasin · 30/08/2017 18:50

Sorry, posted too soon.

But in hindsight I should have asked her by PM.

jessebuni · 30/08/2017 18:53

Ok wow...I'm so sorry that your own mother has put you in this difficult situation and I could understand why you would want to help we financially but you need to do so through a legal route.

My best friend married someone with money. She actually punched him on their wedding night when he announced how much money her actually earnt and offered to pay off her student loans because he'd been maki g her buy rounds of drinks on a start income lol. Anyway. The point of this is that they have an interest only mortgage on a upwards of £1mil property (not sure of the exact amount) also and their mortgage is £650 a month. Also £450k devided by the 15 years is £2500 per month so is she paying 100% interest? So I would seriously be questioning £2500 as an interest only mortgage without your mother having gotten herself into some serious trouble with it. Therefore I would say to your mother that if you are to continue assisting her you need everything to go through a solicitor so that you have all of the exact amounts on paper and can also put in writing the fact that you are basically buying the house for her and she lives there. It's very nice of you supporting her and wanting to help but now that you're pregnant (congratulations!) you need to put your family first and she has also shown herself to clearly be viewing you and your DH as mealtickets by trying to bill you for your stay after all that money you spent doing up her house that you pay for. Please please update us all when you've got a response from your mother and hopefully got some legal advice.

WomanWithAltitude · 30/08/2017 18:54

Sounds like a serious chat with her is needed. Flowers

It's possible she's living beyond her means and is using the 'mortgage' money for living expenses. Whatever the answer is, she is clearly in a mess financially.

FaveNumberIs2 · 30/08/2017 18:54

I'm sorry to be blunt but, she is taking the piss.

STOP paying her mortgage, she's old enough to sort herself out.
TEAR up the bill and throw it away.
CUT all communication with her.

She will not be happy until she's sucked you dry if everything you have.

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