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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:
WomanWithAltitude · 30/08/2017 21:31

It seems tactless to say but at some point the house WILL be the OP's inheritance

This is a huge assumption. A woman in her fifties might meet a new partner, or might need to extract the equity to cover living or care costs. It is not possible to say what will be in someone's estate 30-40 years before they are likely to die, or who it will be left to.

Theycalledmethewildrose · 30/08/2017 21:53

How did she find the original purchase price and subsequent conversion.

Did she sell another property and buy the existing house from the proceeds or are there possibly substantial savings/investments somewhere? Or has the original mortgage been paid off and what remains are the top up mortgages only?

It isn't really relevant other than knowing if she was financially savvy at one point or more possibly had an accountant advising her.

Nevertheless, the remaining g mortgage must be quite minimal in relation to the value of the house if taken out for educational purposes only. I know you might have mentioned the amounts but I can't scroll back as on my phone.

I think if your mother agrees to your options, it would be very beneficial evenprudent for you to do a full review of her finances with a third party so you won't get any further surprises down the line but you have to accept this is her private business and she may be unwilling to discuss anything but the house with you.

manicmij · 30/08/2017 21:53

Gasped at the amount of mortgage. How on earth did your Mum pay that before her "difficulties". You are mad basically funding her mortgage and paying for all the work on her property. No doubt you will have increased the value with all the repairs etc so perhaps your Mum should get real and sell up and move to a cheaper place. You are very fortunate to have a DH who happily spends money on your Mum the way he does.

BoysofMelody · 30/08/2017 21:55

Here's a picture of Jimmy Hill, for no particular reason. Hmm

...to be shocked that my DM has sent me an itemised bill for staying at her house?
OFuckShitAndBollocks · 30/08/2017 21:56

Flabbergasted by this! Also blatantly place marking.

I hope she comes back with a proper reply for you OP, she sounds a bit grabby but I hope you find out that this isn't really the case as she's your mum and she still loves you. Which, by the way, i know is not even up for question here but just a good thing to remember with something as confusing and everything as this situation.

Rhubarbginisnotasin · 30/08/2017 22:05

How did she find the original purchase price and subsequent conversion

A friend bought her ex council flat in Chelsea and funded the refit on her salary as a seamstress in a run of the mill atelier. When she died we were shocked to the core at how much it was worth.

The OP's mum could have easily managed her mortgage and conversion if the circumstances were similar.

WomanWithAltitude · 30/08/2017 22:11

She must have been about 20 when she bought it (in the early 80s), so I doubt she funded it from selling another property. I'm guessing she was earning well enough - in showbiz that could well be possible.

It's not really relevant how she bought it though - her financial circumstances at 20 and in her mid 50s are clearly very different, and its her circumstances now that matter.

For one thing, she has retirement looming now. If she is self employed, she may well have little or no pension provision (particularly as she has had money issues). Selling may be her only way of funding her retirement.

BigApples · 30/08/2017 22:16

I'll ask you again OP, did she bill you for the load of old flannel?

Lovingit81 · 30/08/2017 22:20

Wow...just wow! In the nicest possible way OP I think you're a nutter. Get legal advice asap and stop the money immediately.

KirstyLaura · 30/08/2017 22:32

Shocked she sent you a bill, the cheek of it actually made me giggle! I'd be gobsmacked if she has any money at all paid off the mortgage.

38cody · 30/08/2017 22:32

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cherish123 · 30/08/2017 22:46

Confused as to why you paid for such a massive refurb. You must have a v well paid job and a very understanding husband. Your mother is being v unreasonable. While it is good to be able to help her out when she is in need, she seems to be taking advantage of you. £2500 a month mortgage? She needs to be downsizing or taking in a lodger.

volovont · 30/08/2017 22:59

*Boysofmelody
*
😂 you really made me laugh!

MsJolly · 30/08/2017 23:00

Z

EMSMUM16 · 30/08/2017 23:04

Is she angry with you for some reason? I can't think of another reason someone would behave like that... either that or she thinks that's what your relationship is.
I would write back calmly explaining how hurt you are that she has sent you this bill, reflecting on how you've helped her out as she's family. Suggest that her sending the bill must either be a result of a misunderstanding somehow or that she feels that the relationship is a transaction and that you are saddened and hurt if this is the case.
I just think its sad that yoir relationship has become about money so maybe remove that part of it? Instead of being generous with money try another tack, be generous in other ways, communicate more or offer yourself in another way. Basically the dynamic needs to change.

Gooseberrytart4 · 30/08/2017 23:28

How much did she bit the house for!

Gooseberrytart4 · 30/08/2017 23:46

Buy not bit

medmum580 · 30/08/2017 23:49

You say you pay the mortgage every month, and yet you also say you dont know which mortgages she has and have just found out with advice from here by doing that search. Surely you are paying a bank transfer into a mortgage account, which I'm sure your bank can investigate, and if there are two mortgages then there would be two account numbers to pay into. Or are you paying into her private account and leaving the mortgage payments up to her? This seems to be incredibly naive behaviour on your part, if you have enough brain to be earning sufficient sums to afford the payment .

endehors · 30/08/2017 23:55

Lots of place marking going on here Grin

milliemolliemou · 31/08/2017 00:06

I think OP is now very well aware because of good advice on here what she needs to be doing.

Clearly she needs to be checking why the mortgage is £2500 interest only even with the remortgage her mother appears to have done in 2006/8 for OP's education. And what income her mother has if any and how her mother is doing. And what she can do to sort her mother out and secure her own interest in the house if that's what she can do.

medmum580 · 31/08/2017 00:10

I have re-read you post and see that you say you pay 'her' each month, I presume that means into her private bank account? Our mortgage had a separate bank account no. which we paid into. You could have paid directly into that then you would have known that the mortgage was in deed for the whole sum, or split between two accounts. But if you just give her the money to pay it herself, then as another poster suggested, this could allow your mum to pay a lower mortgage and use part of this sum to live on, especially as if it all went on mortgage how does she pay the bills when she's not working? This is all very peculiar. No wonder she does not want to sell up and lose her tax free living allowance if this is the case.

NeverlandWendy · 31/08/2017 00:25

Don't sell OP! Have DM move info a house she can afford while you and DH take ownership of the deeds and continue to pay the mortgage. You can rent it out and make a monthly profit on it and then it'll always be a safe bit of extra income for you :)

kastiekastie · 31/08/2017 00:32

you could say after all you've already spent on the house and your stay you weren't expecting another bill, but here's a contribution (and send her a bar of soap). I agree with those who believe it's just her expectation now and she isn't being mean, nasty or any of those things just very self absorbed and entitled really. Maybe you could suggest now it's all done up beautifully (I cannot believe what was required for a 3 week stay but to each their own!) she could get a lodger as you can't pay the mortgage any longer.

Jedimum1 · 31/08/2017 00:35

Are you sure she has an interest only mortgage? I worked in a bank in 2007-2010 and at the time ours didn't offer interest only anymore, it was a thing of the past. You definitely need to take over that mortgage, since you are paying it anyway. She needs to try to get some income for bills and food, whether early retirement / pension, or a part time job or freelancing again. I don't think she's telling you the truth regarding the mortgage. If she has remortgaged twice, she has probably got in cash the equity of the house, I would be asking where all that money has gone since 2008. If the house increased £200k in the 30 years or more she has owned it, she has probably remortgaged to release that money... Otherwise I don't see how she is paying £2500 a month with a mortgage that was paying the remaining balance of a 1984(?) mortgage. Interest only mortgages are (were) usually very very low, as you don't pay capital until later. She cannot be paying interest only... You'd risk to have mortgage payments increased by 4x or more when the interest was paid! Something dodgy here

Titanz · 31/08/2017 00:50

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