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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:
MargaretTwatyer · 30/08/2017 20:11

medmum, that's what I thought too.

BengalGal · 30/08/2017 20:15

Unless this is the beginning of mental illness or Alzheimer's it's very sad that she would do this to you. Otherwise it's just sad all around. She does use and manipulate you, but at least she has made everything clear (assuming she's in her right mind). It should make it easier to disengage. Your email was good. You also should find out what the facts really are regarding her debt and finances if you possibly can. It makes sense to keep the property only if it truly is your property and she pays you some rent she can afford.

cao32xx · 30/08/2017 20:22

She's taking advantage. Ask her which she needs most..? The mortgage paid or the bill as your not paying both.

strartingtotry · 30/08/2017 20:25

Wow op, you really do need to get the property into your name so your mum cannot keep remortgaging it as she is going to end up in a lot of trouble.

I think the itemised bill is very cheeky considering what you have paid so far especially as she has not transferred the property into your name or added you as part owner of the property.

Skinfulnappies46 · 30/08/2017 20:29

Reply with an eviction notice for your mother from your life. Send her itemized bill for mortgage payments plus house renovations .
You don't need this shit in your life .

Rhubarbginisnotasin · 30/08/2017 20:30

*Reply with an eviction notice for your mother from your life. Send her itemized bill for mortgage payments plus house renovations .
You don't need this shit in your life8

So easy to type.

TestingTestingWonTooFree · 30/08/2017 20:32

If she's in her 50s now she'd have been in her 40s when the mortgages were taken out. They may be for a shorter term which would account for a higher monthly payment?

Jakeyboy1 · 30/08/2017 20:33

Just watch she doesn't go down the equity release route.

Ticketybootoo · 30/08/2017 20:42

Gently remind her of your contributions and decline to pay the bill she sent - politely and then wait .
It's unreasonable to ask you to pay for your stay - anyone can see that but it maybe that she has a belief that you are going to look after her now and maybe you need to challenge those expectations ! Good Luck !

HappylandToysEverywhere · 30/08/2017 20:42

I'm sorry but this is much too far fetched. For a £2500 monthly mortgage the house would need to be worth in excess of £2m! For the OP to be able to afford to pay an extra £2500 per month on top of their own outgoings, they'd have to be multi flipping millionaires!

And WHO spends £16k just to make a house 'comfortable' enough for them to grace their presence with for 4 weeks?! I doubt even Victoria Beckham herself is that precious.....

MissCommunication · 30/08/2017 20:44

What tartanshoes said.

Rhubarbginisnotasin · 30/08/2017 20:49

I'm sorry but this is much too far fetched. For a £2500 monthly mortgage the house would need to be worth in excess of £2m! For the OP to be able to afford to pay an extra £2500 per month on top of their own outgoings, they'd have to be multi flipping millionaires!

No. Thats not the case. They wouldn't have to be millionaires.

And WHO spends £16k just to make a house 'comfortable' enough for them to grace their presence with for 4 weeks?! I doubt even Victoria Beckham herself is that precious.....

I think you're being a bit silly.

CheerfulYank · 30/08/2017 20:52

Wow. Just....wow.

For what it's worth I don't think it's unreasonable to pay to update the place. Not just because you're going to stay in it, or because you want your mum to live in comfort.

It seems tactless to say but at some point the house WILL be the OP's inheritance (at least she was led to believe it would be) and it's okay to want it to be taken care of.

My parents are in their late 50s and own their own businesses, so no pension. In the US so no council house possibilities etc. They do have a gorgeous home with lots of land though. If I had the money I'd help them with the upkeep. (Not because I expect to inherit it, because they will need to sell it at a profit someday if they ever hope to retire.)

Good luck OP.

DottyBlue2 · 30/08/2017 20:58

My mortgage is £2k a month. It happens. Disclaimer. I don't live in London. I don't live in a palace or a mansion.

BabychamSocialist · 30/08/2017 21:01

Surely this isn't real? How is £16k cheaper than a hotel for 4 weeks? What hotel would cost 16 grand? Where does she live - Monaco?

IFinishedTheBiscuits · 30/08/2017 21:03

Have now RTFT and some of the replies are pretty harsh. Yes it sounds like OP's mum is taking advantage, but it can't be nice to read the nastier comments about someone you love.
Also, I've just built a house and 2 bathrooms, cloakroom, 160 sqm flooring and 6 (Neff) kitchen appliances cost about 10k, labour would have been about 4k more. Just because you've been quoted more doesn't mean OP is lying!!

Primrose06 · 30/08/2017 21:07

Just what have I read?
You owe her nothing .

YorkshireTree · 30/08/2017 21:08

I feel for you OP. I would be stressing out waiting for a response to that email.

Theycalledmethewildrose · 30/08/2017 21:10

The leasehold can be bought out. Your solicitor can arrange this.

Be thankful there are only two charges on the property as there is a lot of equity in it, there could have been more.

Did your mum buy the property in 2006 or was it a family home that was originally mortgage free?

You mentioned she did a loft conversion . If that was in 2008, it accounts for the second charge.

Rhubarbginisnotasin · 30/08/2017 21:10

Surely this isn't real? How is £16k cheaper than a hotel for 4 weeks? What hotel would cost 16 grand? Where does she live - Monaco?

It would cover a not very good hotel in central London for a month.

TheSeasonOfTheWitch · 30/08/2017 21:11

It sounds like you are doing the right thing now, especially concerning legal advice.

I'm sure the solicitor will advise you further, but... re inheritance tax, be careful about the property being completely made over to you. As I understand it, some can 'gift' a property to another i.e. transfer title deeds, but they have to a) live 7 years to avoid the tax, and b) cannot benefit from it i.e. cannot live for free in it. They are obliged to pay market rent, in order for you not to pay inheritance tax upon her death. The tax on a property of that scale would be 40% after the first 500k (assuming she dies after 2020 I think, the rules have just changed), and on a property of that worth the tax would be utterly phenomenal.

Obviously, I have no idea who would check if she carried on living there, but it's a legal consideration.

It might be worth asking the solicitor if she can make over 80/90% of the property (or whatever percentage will mitigate inheritance tax, and therefore just pay you a cursory amount each month for renting one room there?

ClearEyesFullHearts · 30/08/2017 21:18

Do you really want to continue living with her?

Confused

Will no one think of the children to RTFT???

Leapfrog44 · 30/08/2017 21:18

I find it hard to believe a word of this. What planet are you all on? Who has a mortgage of 2500 per month when they're out of work and struggling?

Assuming you're not just a fantasist who's made all this up, tell your mother she's taking the piss. Pay the bill to take the moral high ground since it's obviously just small change to you but stop the mortgage payments immediately.

She shouldn't be living in what must be a serious luxury home if she can't pay for it. She needs to downsize and grow up. The next financial crisis is at the door, she should sell the house and move to a smaller one and clear the mortgage. Either she'll lose everything or you'll be bailing her out to a much bigger tune when the shit hits the fan.

UmBankroll · 30/08/2017 21:21

@Theycalledmethewildrose She bought the property in 1983. Loft extension was done in 1998. The title deed shows the two current mortgages were taken out in 2006 and 2008 (when I was taking GCSEs and A Levels - she was still paying for my private education) so that's when she must have most recently remortgaged.

Thank you @TheSeasonOfTheWitch for the advice re: inheritance tax. Will definitely take it into consideration with the help of a solicitor if it turns out to be relevant to the option she chooses from my email.

OP posts:
volovont · 30/08/2017 21:23

Wow

This is completely alien to me. Thank fuck!

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