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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:
FittonTower · 29/08/2017 17:20

That's a huge mortgage for a house that needed £16k spent on it to just make it habitable for one month. Is the house made of solid gold?

LadyFlumpalot · 29/08/2017 17:20

"Dear mum,

In response to your recent invoice, please take it as credit against one months mortgage payment. To date your account with (DH name) stands at (£16k + £2500 x (number of months) - £2000). I shall expect payment in full within 30 days of receipt. If for whatever reason you are unable to repay in full, please call me to discuss...

P.S - just what the actual heck are you playing at?!?"

MadisonMontgomery · 29/08/2017 17:22

I cannot fathom why you needed to pay for 16k worth of improvements in order to stay there for a month - or why you are paying a huge mortgage for her. This may have given the impression that you are happy to throw money at her, hence the bill. TBH if it was me I would pay the 2k and stop paying the mortgage - surely she can downsize?!

Tensecondrule · 29/08/2017 17:23

This cannot be real. A single woman in her 50s with an unreliable freelance income simply wouldn't get a mortgage for that amount.

QueenBeex · 29/08/2017 17:24

I have nothing helpful to say, but just felt like I needed to say wow, just wow!

kimmy121 · 29/08/2017 17:24

Eh??
Hotels are expensive, so you spent 16k doing up someone else's house instead? Barmy.

PollytheDolly · 29/08/2017 17:24

You sound very kind and compassionate. Don't let her take advantage.

I hope you have a share in her house.

UmBankroll · 29/08/2017 17:25

@Tensecondrule She bought the place in the 80s when it was worth considerably less, and she was in full time employment. I'm not sure how the remortgaging happened though.

OP posts:
TroelsLovesSquinkies · 29/08/2017 17:25

Just let the house go, let her rent somewhere she can actually afford.
This is madness.

CherryBlossomBlues · 29/08/2017 17:25

Send her a project management bill. Simples.

And stop that £2.5k transfer or at least reduce it!!

FatherJemimaRacktool · 29/08/2017 17:25

I'm lost for words that she's taken it this far
I know how you feel OP

...to be shocked that my DM has sent me an itemised bill for staying at her house?
ChasedByBees · 29/08/2017 17:26

Are you sure she's going to sign I've erhe property to you

RedDogsBeg · 29/08/2017 17:27

Have you drawn up any legal paperwork regarding your payment of the mortgage and the £16k on upgrading the property?

If not, you should. Financial arrangements between family members need to be official otherwise resentment and things like the above happen because one party always tries to take advantage of the other. If/when the property is sold you should be reimbursed for your outlay, if it's not registered you won't be.

Call your mother and ask her why she has done this, or send an e-mail to that effect but I do think you need to lay some cold, hard rules regarding the financial input you and your husband have done so far and are prepared to do in the future.

Decide what to do once you have spoken to/contacted your mother further, but from what you have said I would not be inclined to pay this bill.

MummaGiles · 29/08/2017 17:27

£2500 on an interest only mortgage? That's insane. And if she's in her 50s, the mortgage has 15 years left to run and she is self employed/freelance/a lazy freeloader when is she supposed to retire and how on GOD'S GREEN EARTH did the bank think she was going to make the capital repayment at the end of the mortgage term. That's some interesting underwriting right there. No way can this be true.

SonicBoomBoom · 29/08/2017 17:27

I think all you can do is reply

"Is this a joke? Do you want me to reciprocate with an itemised bill to you for the £16k we spent on your house?

And then I'd stop paying the (frankly ridiculous, seriously, I think you're being scammed) mortgage for her.

SprinkleOfInsanity · 29/08/2017 17:28

OP, you're funding your own inheritance, and letting your freeloading mother take the absolute piss.

GinSoakedTwitchyPony · 29/08/2017 17:28
Hmm
ShowMeWhatYouGot · 29/08/2017 17:29

Have you actually seen the mortgage deeds? Or do you just pay her? That's a rather large amount for a single lady to pay?

MapleLeafRag · 29/08/2017 17:29

£2500 a month is 30,000 a year!

How much did she borrow to be paying that kind of interest??

You are being scammed for sure!!

Unipig · 29/08/2017 17:30

Have you seen proof that her mortgage is really £2500?

SprinkleOfInsanity · 29/08/2017 17:30

I'd also just reply to her "haha, very funny" and see what her excuse for sending you a bill is.

Inertia · 29/08/2017 17:30

So presumably you have a contract drawn up which registers your share in/charge on the house? Otherwise I can see you paying 99% of the mortgage , and your mother then cancelling the agreement.

QueenBeex · 29/08/2017 17:31

I think she's telling you a few little lies about the prices etc.

Ceto · 29/08/2017 17:31

Apply for your own mortgage to pay off hers, get the house transferred into your name, and tell your mother that you will be doing no more bailing out whatsoever.

NoSquirrels · 29/08/2017 17:32

Wow! Presume it's Central London zone 1 to be worth all this.

Get it signed over ASAP. Or give up on it. Your mother is clearly financially irresponsible shockingly entitled and greedy

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