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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:
FaveNumberIs2 · 30/08/2017 19:00

You are paying for your own inheritance? Omg that's crap.

medmum580 · 30/08/2017 19:00

There are always two sides to a situation. Could it be that she has sent you the bill out of sarcasm, to prove a point, through some grudge in your relationship? Perhaps she felt that you were throwing your money around to belittle her and feels inadequate, therefore she has said to herself ' well they can pay for absolutely everything'. Ask yourself, did you pay for the renovations because she wanted them or because you didn't feel her place was good enough, and she knew that and was hurt? Why did you not stay with her on other shorter visits?. Think about it, are you sure you didn't accept your mothers well meant invitation and then insist the house was revamped to your standards , as its a very bizarre thing to do. Could you be someone who flaunts their wealth and looks down on their background?

SunshineLollipopsRainbows25 · 30/08/2017 19:02

I'd ring her and ask her if she's being serious!!!

Janielane123 · 30/08/2017 19:03

I'm a conveyancer. I can't see the freehold title you've got on your phone but next to where it refers to the two leases there should be two more title numbers. Download those - the name in the proprietorship register for all 3 should be your mum's. It may be that it was originally a leasehold house and the freehold was bought later - the solicitors may have screwed up and not registered the charge against the freehold title. If any of the three titles is not in your mum's name or if there's no mortgage registered on any of them something very odd's going on. A solicitor will easily be able to tell you. Assuming it's all ok, just go to her mortgage lender with your mum, tell them you want to take over her mortgage and then transfer the property to you subject to that. Or just take out a new mortgage to pay the existing one off.

Sara107 · 30/08/2017 19:16

Haven't rft by I hope if you are putting so much money into this house that you have some formal stake in the ownership of it? Do not assume that in the fullness of time you will inherit it, many things may change in the 30 or 40 years potential life your mum has left.

fullofhope03 · 30/08/2017 19:19

Apologies but I read the first page and then the last (page 14) as I couldn't believe that this was a serious thread.
If your Mother doesn't have a wicked sense of humour, then, as others have said - send her an invoice for the amount that you and your DH paid for work on her house and for the amount that you have paid re her mortgage. Then send her a bill. And these are for you and your husband - Flowers Wine Brew Halo Halo xx

IFinishedTheBiscuits · 30/08/2017 19:26

Has she taken out a personal loan? That might explain higher interest rate?

pinkjjf27 · 30/08/2017 19:34

This post is a a wind up, yes ? An exaggeration? This is your mum? Assuming this isn't a wind up I wouldn't dream of asking my kids to ever pay for anything even down to a coffee. Why do you feel you have to fight your mothers battles? . if she is struggling she needs to take responsibility for that and cut her cloth accordingly. 50 and she wants to retired ? Fine but she has too make sure that the life she wants to live is sustainable and she is able to fund that not to expect you or any one sub her . If she was trying to get benefits she probably wouldn't so why does she think you will support her? If she doesn't want to work is she in a rut? Depressed? or just taking the micky? Is there a reason for you feeling obliged to bail her out? Are you over compromising for her bringing you up alone? Or do you feel some misplaced guilt for going a board? I think you need any underlying issues here then draw up some ground rules your mum needs to live and fund her life and you need to live yours . if she is struggling there are charities that can help her manage her money better.
As for your spoiling your relationship with your mum do you actually have one ? Its certainly not what i would call a loving relationship and if it does I would say you be better off with out her in more ways than one .

MoveOnTheCards · 30/08/2017 19:36

*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.*

I only ask because your questions are quite specific and so far she has been answering, not much of a stretch for someone to put things together/dig a little and find out who OP or her mum is.

Don't mean to offend, just seemed a little direct!

MrsPawsitive · 30/08/2017 19:37

My very first thought was has she taken out a reverse mortgage? I know an elderly woman who did that here so she could keep living in her house but not make any payments. She also extracted equity and spent it. Somehow she managed to do this without her family knowing. Upon her death the house reverted to the bank as bank owns title. That's when the family found out. Reverse mortgages are heavily promoted to the elderly here in the States but I don't know if you have this where you are? I hope she hasn't done something along these lines.

mummymummums · 30/08/2017 19:37

I feel for you OP. Very upsetting to be taken for a ride by someone you're close to.
I'm confused about her wish to be a full time grandma when you live abroad!
You need to be very careful and get something legal drawn up. She could meet a partner tomorrow or get married or change her Will, or fritter the money and her comments about your inheritance will be forgotten. Whilst no one is entitled to an inheritance in your case, you're making huge financial investments. You'll probably want to protect your wealth for your own children too.

MindfulBear · 30/08/2017 19:38

Send her an itemised bill for everything you have paid for over the last while.

She is taking the piss.

Or, agree she is crackers and ignore the bill!!

harleysmammy · 30/08/2017 19:40

You spent £16k on somewhere you'd stay for a month?? Am I the only one that's mind blown?

UmBankroll · 30/08/2017 19:40

Thank you so much @Janielane123 - I searched by the specific title numbers as you suggested, and everything is registered in my mother's name, but there are indeed 2 different mortgages on the property - one taken out in 2006 and another in 2008. I presume the amount we send her monthly is covering both of those payments, but will obviously now seek to verify that with the help of a solicitor.

The property appears to be Leasehold according to the deeds, which is something I have been misled on since the very start as she's always told me it was Freehold.

OP posts:
LazyDailyMailJournos · 30/08/2017 19:44

It would not surprise me one bit if your Mum has no mortgage at all and has been trousering £2500 per month from you to fund her living costs.

It just doesn't add up otherwise - think about it. If she hasn't had any paid work since April, and the mortgage payment is the amount that you're transferring (£2500) then how is she paying her bills and food?

In your shoes I would be requesting a copy of the mortgage statement. If she claims not to have one, then get her to write a letter of authority to the mortgage company allowing them to discuss the mortgage with you. If she refuses to do that - well, then it suggests something funny is going on, doesn't it?

AyUpMiDuck · 30/08/2017 19:45

Saying the house will be your inheritance is not good enough there's no obligation on her to leave it to you - it needs to be transferred to you now or put in a trust for you.

Eragonsegg · 30/08/2017 19:45

No advice the amounts you ate talking blow my mind! I hope you get a peaceful resolution. Mum's are the best but don't last forever Flowers

DaenerysismyQueen · 30/08/2017 19:49

So she lives in a house worth very much in excess of the mortgage on it. You want to pay the mortgage off for her and then own the house outright? Or a proportionate share of it? If it's outright then not entirely sure you're not a chip off the old block Wink

Rhubarbginisnotasin · 30/08/2017 19:51

*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.

I only ask because your questions are quite specific and so far she has been answering, not much of a stretch for someone to put things together/dig a little and find out who OP or her mum is

Don't mean to offend, just seemed a little direct!

No problem. We've been in touch.

GlitteryFluff · 30/08/2017 19:53

This is bonkers!

Janielane123 · 30/08/2017 19:57

Don't worry, if the freehold title's in your mum's name too then it IS freehold, the two old leasehold titles can be got rid of easily enough. By contributing to the refurb and paying the mortgage you may very well have acquired an equitable interest in the property, particularly if there was an understanding that it would be transferred to you later. Ask your solicitor about that! Good luck with it all, hopefully it's just a misunderstanding of some sort.

Rhubarbginisnotasin · 30/08/2017 19:59

You spent £16k on somewhere you'd stay for a month?? Am I the only one that's mind blown?

I well understand that its difficult to comprehend but the fact is that a month in a hotel for the average person who encamps from one country to another could easily come to that. In fact it could easily be more.

I was recently 12k for a month in a UK based airbnb that was cheap at the price despite being everything we wanted because there were about 15 of us including children at any given time and it worked out really cheaply per person compared to a hotel.

Gbtch · 30/08/2017 20:00

Whatever your reasons for investing so much in your mothers home so far, I think you should stop now. The more u invest the greater your ties. You will now need to invest in the new life you are creating, children are costly for time as well as money. Your mum can do whatever she likes but without tying you in too, let her go.

Getout21 · 30/08/2017 20:00

I'm confused now. Who's the OPs mum?

UmBankroll · 30/08/2017 20:04

Thank you @Janielane123 that's reassuring to know. Clearly this isn't my area of expertise, so thanks for putting my mind at ease on that point at least!

OP posts:
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