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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:
Jazzhonda · 04/09/2017 13:36

"Prime location", "investment in the property":

Dear UmBankroll there is clearly more to this story than you are letting on. Are you being selective in stating the facts in order to provoke the kind of support you've achieved from some so far?
NOBODY pays a mortgage and renovates property in the sums you've suggested without a clear and legal interest in the property. I suspect that DM's house is in fact yours. If your name is not on the deeds, you are clearly hoping for an equitable right. As has been pointed out already: an underemployed 50 year old is not going to qualify for a mortgage the repayment of which is in the region of £2500 a month!
If that is correct it makes perfect sense that your mother would send you an itemised bill: who else is obliged to pay for electricity and council tax except the owner/occupier?
I also suspect you plan to relocate to the UK, hence DM's hints at being a full time grandma.
What's the real deal?

Jg1 · 04/09/2017 13:57

Jazzhonda have you RTWT?

Gindingaling · 04/09/2017 14:16

NOBODY pays a mortgage and renovates property in the sums you've suggested without a clear and legal interest in the property

Perhaps no one in your world.

BarbaraofSevillle · 04/09/2017 14:54

Remember all the adverts for Picture Loans etc. pre-crash? APRs on those were 9-10% and up

^^This is the pertinent point for all those doubting the numbers. Chances are that the DM is trapped in a hideously expensive mortgage from pre-crash, the very type of mortgage that contributed towards the crash. Checks are much more stringent these days and self certification is almost impossible to get, and if available will be very expensive.

The DM is/has been in the entertainment industry, so she could have previously earned a lot of money and/or been easily able to get a self certification mortgage, even if she didn't really understand what she was taking on. A mortgage adviser, keen to earn a lot of commission could have persuaded her to borrow more than she intended.

She may also have been badly advised re tax - the OP mentions a class action. Perhaps she was part of one of the high profile tax avoidance schemes that have recently been ruled illegal - many public figures have been caught by these, trusting their accounts to act legally.

The mortgage is currently costing a lot of money and it seems to me that the best thing would be for it to be paid off ASAP, either by the OP remortgaging, or the property being sold and the DM living somewhere cheaper either by moving to a less expensive area, or living somewhere smaller.

Letting it run for years and years without any way of paying it off is a huge waste of money as it is quite likely that, if the OP qualifies, she will be able to get a repayment mortgage for a similar monthly payment as the interest rate will be so much lower.

usernamealreadytaken · 08/09/2017 14:54

What a difficult situation. Haven't RTFT but have skimmed OPs responses. OP one of your recent posts says you are a Muslim - is your DM also? I seem to recall from one of my Muslim friends that you are not allowed to take mortgages - are you referring to the money as a mortgage but it isn't really?

Jg1 · 08/09/2017 15:19

usernamealreadytaken

The property is mortgaged and remortgaged twice I believe

Jg1 · 08/09/2017 15:20

Many Muslims have no choice in the matter as I don't know of any banks that will be interest free

Gindingaling · 08/09/2017 15:24

I think people are now adding two and two together and coming up with the wrong answer based on one piece of information they picked up and ran with.

guilty100 · 08/09/2017 15:31

Oh my GOOOOOOD!!

First of all, you are the nicest daughter ever. What you've done for your mother is lovely and amazing. And to jazzhonda I know several people who have paid for their relatives to get stuff done in their houses (new kitchen, bathroom) so this isn't totally unheard of! My best friend recently paid £8k for a new bathroom for her folks, no financial interest in the property.

Second of all, OP, I would reply by sending her an itemised bill for every single thing you have done to her house AND for your time. And I'd put a note on it that says "Dear Mum, I'm sorry, I have made a terrible mistake. I didn't realise that we were charging each other for recent stays and works. Since you've sent me a bill for our stay in your house, I'm sending you this bill for the work we did to yours. You can deduct the amount that we owe you from the total, which would mean that it comes to £14k. I was actually prepared to do this work for you for free, out of love, but since you've made it clear that those are not the terms and conditions of our relationship, I'd be grateful if you could settle this in 28 days

Sincerely umbankroll

PS I'm only kidding. But if you ever again try to send me a bill for a stay when I've spent 16 grand, and a bunch of time, on your house, I will personally ensure that your toilet is eternally blocked".

SteampunkPrincess · 09/09/2017 14:56

re muslim mortgages
www.islamicmortgages.co.uk/index.php?id=224

In a nut shell how does an Islamic mortgage work for different types of purchases?

Buying/selling:

you choose property, agree price, undertake survey
bank enters into contract to buy the property from vendor
bank sells property to you at higher price
the higher price is paid by you in equal instalments over a fixed term, irrespective of what happens to Bank of England base rate

Leasing:

choose property, agree price
bank undertakes survey, buys property and sells it to you for the same price, in return for payments spread over fixed period up to 25 years
in addition to monthly payments, you pay a sum for 'rent' - assessed annually in line with market trends
you can overpay (as with a conventional flexible mortgage) to buy the house more rapidly

Replacing a conventional mortgage with a Shariah compliant one:

bank buys property from you at current market value
you agree to buy back the property at the same market price
the bank pays off your interest-based mortgage
you repay the bank in equal monthly instalments
Dianag111 · 09/09/2017 15:18

This reply has been deleted

Message withdrawn at poster's request.

RachelP247 · 11/09/2017 10:56

£2,500 for a mortgage for a month and the house wasn't big enough for THREE of you to spend a month in together?????

DancesWithOtters · 18/09/2017 11:54

This reply has been deleted

Message withdrawn at poster's request.

Sweetpea55 · 18/09/2017 15:32

I'm thinking that its bizarre really. After all the money you've shelled out and she sends you a bill? Weird,,really weird..

expatinscotland · 18/09/2017 15:34

OP's disappeared into the ether.

Twickerhun · 18/09/2017 18:33

Hey op what happened?

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