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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:
Logans · 31/08/2017 14:58

I'm glad you're getting everything sorted OP. I hope you get news from the mortgage companies soon.

I agree with others about getting a charge on the house, though I think only for the amount you pay.

I also wonder if DM isn't 100% mental health wise, though equally I know that desperate people can act strangely so perhaps it is just that?

farangatang · 31/08/2017 14:58

It sounds like the renovations have been a good improvement and if you're happy to keep paying the mortgage and she lives there, you have been 'promised' the house when she is no longer around.

Get that 'promise' in a watertight legal document!!! Then you won't need your name in the deeds by September and she won't feel like she is effectively 'selling' you her home at a reduced rate (the cost of a few months' mortgage payments!) rental purchase scheme! What guarantee does she have you won't evict her once the deeds are in your names?

Or she could just sell the place, use the cash for a new, more appropriate sized place (perhaps even without a mortgage). That way you're free of the financial pressure, as is she and your family won't have to deal with any inheritance tax and all the other hideous things tied up with the distribution of assets after a person dies.

a1poshpaws · 31/08/2017 17:08

Poor you, you must have been so hurt as well as shocked. No way should you pay her the "bill", and you should also tell her that the mortgage payments will be stopping too. It's outrageous of her to have been such an ingrate, and you have gone far and away beyond the realms of generosity.

limecordial · 31/08/2017 17:09

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.

Blimey - fellow London resident, nice house. Been quoted 3k to 4k for labour etc on medium sized bathroom (excl fittings). Def worth getting more quotes

Getout21 · 31/08/2017 17:36

I know lime!, can I get any recommendations?

BengalGal · 31/08/2017 17:55

Maybe the invoice was meant to be sardonic. Her way of saying putting you on the deed for a few months of mortgage payment is really materialistic and she will do the same to you.

Maybe she thinks talking more about the money is missing the point.

But a legal agreement that she pays you all back when she sells might be easier for her to accept.

What she really needs is work. Let's hope some comes her way.

LesPins · 31/08/2017 18:09

KiteSky is bang on IMO. Nice drop feed OP!

limecordial · 31/08/2017 18:11

I got recommendations from local friends. N London. BOth came in roughly the same but according to another local friend are expensive as she paid under 3k

Getout21 · 31/08/2017 18:45

I've joined a FB group to find some. Recommendation was from a neighbour. Tbf it does need a complete overhaul.

Rhubarbginisnotasin · 31/08/2017 18:57

Ive paid more in another part of the UK for a bathroom.

3K? I wish.

londonrach · 31/08/2017 19:09

Stop paying her morgage...thats over £2000 which s her bill

Minaktinga · 31/08/2017 19:40

It's a tough one isn't it. She is totally being unreasonable but if you have a good relationship with her maybe there's something else going on.

As always best to talk to her about it. Maybe call her and ask if she's okay because after paying for X, Y and Z, you're a bit surprised to get a bill for staying at a home that, you actually own a chunk of.
It may be worth getting a legal agreement that since you spent this much and pay the mortgage, it gives you a percentage ownership of the house, which increases every year you have to pay for the mortgage.

WellThisIsShit · 31/08/2017 19:54

So glad you've decided you can't carry on as you have been. It was really sad to read one of your first posts where you said you were doing all this so didn't lose the house, and yet it's clear from the outside looking in that you're on track to do exactly that. Which is sad not just for the financial hit but more, the emotions involved.

Family and money don't mix!

ljny · 31/08/2017 20:18

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.
This.

Could her job opportunities have been drying up, if she worked in theatre? And she's being dramatic and irresponsible, just sticking her head in the sand?

It all sounds very volatile. I hope you manage to find a solution without falling out with your mum.

DiWoo · 31/08/2017 21:21

I've been swaying back and forth with my opinions on this with reading all the comments and here's my tuppence for what it's worth.
No it's not weird to pay your way at someone else's house - but it does seem weird if you've been paying the mortgage & you paid for the refurb (I take it your mum didn't mention you paying to stay there beforehand but maybe she thought you could pay her instead of the hotel and she assumed you'd think that too)
Yes it seems strange to stay at your mum's in order to save money, then spend more than you would have on a hotel, on refurbing her house - what arrangement did you come to beforehand about paying? Were you both happy to do this?
With regards to paying her mortgage (or whatever she's doing with the money) what arrangement did you come to beforehand? Was it a loan or a gift?
Do I think you should be paying her mortgage? - I don't think you have to but don't most people think that if they won the lottery, they'd pay their parents' mortgage off? And you have kind of won the lottery by earning so much (possibly your mum feels this was possible due to her, e.g. paying for your private education or maybe being her daughter helped you get you where you are and now she feels like she should reap some of the rewards too) and having a DH who does too (again maybe she feels like you wouldn't have met him only because you move in such circles because of her)
Or do I think she is freeloading - I would if she wasn't your mother, after all she spent a lot of her money on you, I expect. How would you feel if your unborn child turned round to you and said "I didn't ask you to pay for (insert whatever you decide to splash out on for your child)" like you have done about your mother, when she was possibly doing it for what she thought were the right reasons (whether you agree that they are or not)?
Do I think it's 'grabby' of you to want the house in your name after only a few mortgage payments? - I would, if it weren't for you saying that your mum wants to leave you the house anyway (and you're an only child)
Do I think the amount of interest she is paying is odd? I don't think we can compare our mortgages with ones that people in your mother's situation at the time get - they don't have a steady, reliable income and they are probably getting a much bigger mortgage, so who knows under what terms they are? Plus she could still have her endowment mortgage with a savings policy running somewhere - I still had that until I changed over, I'm not aware that you had to change at any time since.
Do I think she's using the money to live off rather than pay a mortgage? Maybe
How do I think you should proceed?
Well first you (and your DH) have to think about what you can comfortably afford now as you have given up your job and have a baby on the way too.
Then think about what you are prepared to do - but she may not be agreeable to any of your options.
Then think about what is fair for both parties - I feel that you have missed out a more fairer way than the three options you have given her, as basically she potentially loses her home in all three scenerios you have proposed - she sells her house, she gives her house to you or she has to fund it herself (but can't so she gets repossessed).
Someone else has already suggested what I feel is a fairer all-round proposal (and possibly avoids the 'she can't benefit from living there after signing it over to you' scenerio, if that is a problem) is that she makes a legal binding contract that says you will inherit the house or the value of it/other property/items to that value. So that she feels like her home is still hers until she dies but that you are still helping in the meantime but that you will still inherit.
What is obvious though is that you and your mum need to have an open and honest discussion so you both know where you stand (and hopefully you get the facts), although you might not get one.
Good luck, I hope it all works out well
(sorry for the long post but a lot of issues have cropped up in this thread!)

Youllneverlivelikecommonpeople · 31/08/2017 21:29

Excellent points DiWoo, very considered and thought provoking. I love Mumsnet for helping me to see the bigger picture in so many situations!

iloveredwine · 31/08/2017 21:53

I've had a few quotes in g London and all £10,000 -£15,000 for small bathroom

GriefLeavesItsMark · 31/08/2017 22:09

Wow, it's almost as if...op, what did you say your job was?

ToadsforJustice · 31/08/2017 22:49

Oh dear.

catsaresomucheasier2 · 31/08/2017 22:57

Is she fucking having a laugh? Send HER a bill for all works and mortgage arrears YOU paid for. This whole story makes me very worried for you OP, I have visions of this ending very stickily.

Longhairmightcare · 31/08/2017 22:57

.

BoysofMelody · 31/08/2017 23:58

I had my doubts about this, but now it is in the super soaraway Sun, they've been banished entirely. A publication with an unblemished record for fact-checking, honesty and accuracy, wouldn't publish something they suspected was untrue.

If the paper that employed Kelvin MacKenzie and reported so fearlessly and accurately on Hillsborough say this is true, then it's good enough for me.

fc301 · 01/09/2017 00:29
  1. you are not obligated to financially support your mother.
  2. you are not obligated to purchase your own inheritance.

You & DH are successful and soon to be parents. Put your time, effort and money into securing your own & your child's future.

Throwing your money into a bottomless pit must end.

mamalovesherboys · 01/09/2017 02:54

Curious, (as your mom is still quite young), is her mother, who raised you still around? If so, maybe she can team up with you and DH to try to get her to communicate and get all of her finances figured out?

Other than that, I simply hope you can get this all settled amicably, so you can relax and enjoy the rest of your pregnancy and your first era of motherhood... hugs to you, and hopefully all of the advice you've gotten here, and your healthy attitude towards this sticky mess help you get it all sorted Flowers

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