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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 · 29/08/2017 17:32

Interest only?! So her mortgage interest rate is nearly 7% when interest rates are generally so low? That makes no sense. If the house is worth more than the mortgage she needs to sell and buy somewhere she can afford. It's madness to pay £30k a year in interest alone. If you and your DH are so loaded, why don't you take it on and get a capital repayment mortgage on it?

LaurieFairyCake · 29/08/2017 17:33

She's clearly constantly remortgaging and taking money out for day to day spunking on shit.

She ISNT WORKING? That means she's getting money out the house

That house will get reposessed due to her dodgy dealings HmmIt's not coming to you

STOP GIVING HER MONEY

indulgentberries · 29/08/2017 17:33

we are starting our own family and need to take care of ourselves - we can't bankroll her forever.

Email her to say that you understand her financial situation and that you have done all you can to help, especially with the work that you have paid for and then say what you have said above. Then end the conversation.

RedDogsBeg · 29/08/2017 17:33

I sincerely hope you have your agreement re paying off the mortgage and having the house transferred into your names in writing and legally binding.

Hmmmmx100 · 29/08/2017 17:34

Mum's in showbiz isn't she OP? And house, I'd bet my own mortgage, is in desirable London location.

Dreams16 · 29/08/2017 17:35

Ohh poor you op I would be mortified and ashamed if ever I grew up to treat my DS like my personal bank account.
Yes families are there to help one another out when times are tough but your mum is an adult and I'm sorry to say this but she should be the one taking care of you not the other way around.
When reading posts like this I just thank my lucky stars for my mum and dad because they would never ever do that to me and I certainly wouldn't do that to them comes a point in your life you stand on your own two feet clearly that's what you do at moment so hats off to you but your mum needs to stop taking the piss that's beyond cheeky

Your mum needs to get with reality she either sells up if she can't afford the house and move to somewhere cheaper or she actually gets a job that pays the bills not expect her own daughter to keep paying for everything

Seeingadistance · 29/08/2017 17:35

Bloody hell!

I'm almost 50 years old, and until today I had no concept of monthly mortgage repayments of £2,500!

ImperialBlether · 29/08/2017 17:36

If she sold her house today how much would she get for it and how much would she have to repay to the bank?

JiminyBillyBob · 29/08/2017 17:36

Hahaha she's having a fucking giraffe surely??

splatattack · 29/08/2017 17:36

Do you have evidence that the mortgage payments are 2500 a month? I just don't see how she can have a mortgage of that much if she bought the house in the 80's...houses just didn't cost that much back then, even if it is in central London???

numbmum83 · 29/08/2017 17:37

Just wow !

Why the hell would you pay £16000 to do up someone else's house to live in it for 1 month ? On top of you already paying for the mortgage... in essence this is your house ?

Be careful she doesn't get into trouble with the payments and she loses the house and your £16000 . She would be best signing it over to you but I imagine if she bills you for your stay you've got no Chance of that ...
Ignore the bill.

WomanWithAltitude · 29/08/2017 17:37

Except is isn't even a 'repayment'. It's interest only.

Seriously op - wise up. This is not an investment in your inheritance, it's simply sticking money down the drain. Have a bonfire of fifties instead if you're really desperate to offload cash - at least it'll look nice and keep you warm for a bit.

UmBankroll · 29/08/2017 17:37

Thank you to everyone who has offered constructive advice - I will definitely be consulting a solicitor with a matter of urgency to draw up some official documents regarding an agreement to transfer the property into our ownership.

During our stay DH and I were shocked that my mother didn't work at all while we were there, and when I questioned her about it she then admitted she had not had paid work since April. We gave her an ultimatum and told her that we would have to stop the monthly payments in September if we don't see her making an effort to either get more work, get a lodger, or basically start to live within her means - and if that meant downsizing then so be it.

OP posts:
ememem84 · 29/08/2017 17:38

Sounds like my mil.

We stayed with her a few years ago. She'd been in her new place for 3 months. On day two dh and I said to her we'd cook dinner so it was ready for when she came home from work.

We decided what we were making and had a look to see what she had. Nothing. No food. (Well except bread for toast and milk for tea for breakfast). Also no pots and pans for cooking. Only two plates and two cups. We hadn't noticed this on arrival as we'd eaten out (not what I wanted to do after a loooong flight - uk to nz) and dh was awake early so had breakfast with her before I got up - so only two plates etc used and washed.

We spent the day buying things for her house.

yummumto3girls · 29/08/2017 17:38

I think mother needs to sell the house and buy somewhere she can afford!

SoPassRemarkable · 29/08/2017 17:38

I think the house is definitely on a beach in Maui.....it's why the mortgage is so much. No other explanation.

FatBettyintheCoop · 29/08/2017 17:39

I'm baffled that you're so casual about this arrangement.
Your mum doesn't seem very willing to be financially accountable and clearly seems keen for you and your DH to bankroll her until her death. She's not even trying to hide that fact.
I hope the house is already in your name as well as your mums?
Otherwise, what's to stop her taking out another mortgage on it and then the second mortgage company forcing the sale when she dies to pay off the second mortgage?
You need to get this situation on a legal footing asap. and then have a direct conversation with your mum about her financial situation.

WomanWithAltitude · 29/08/2017 17:39

Op said the capital payment needed was £450,000.

A newly renovated house in central London should easily fetch that much and leave change to buy a nice place further out.

elevenclips · 29/08/2017 17:40

the figures don't add up op
they are crazy
£2500 per month for an interest only mortgage - has she borrowed over £1m from the Bank of Fuckwits?

Basically you and your husband are paying her a generous tax free salary for her services which seem to be limited to being a bitch.

Send her the £2k for her soap and tell her that from now, you can't afford to pay her mortgage anymore and she'll need to downsize or get a proper job.

You shouldn't hold out for inheritance. Forget about that!

MapleLeafRag · 29/08/2017 17:42

No inheritance form this lady - it will be pissed up the wall for sure!

WomanWithAltitude · 29/08/2017 17:42

You know income from a lodger would be like pissing into the ocean, right? her mortgage is 2500, what are her other outgoings? Seriously, downsizing is her only sensible option, not getting a lodger!

MapleLeafRag · 29/08/2017 17:42

from

UmBankroll · 29/08/2017 17:43

@Hmmmmx100 Yes and yes.

OP posts:
Beeziekn33ze · 29/08/2017 17:43

Wondering how DM will be a full time GM when the baby will mostly live abroad. She's a bit of a parasite, isn't she?
All good wishes for your pregnancy and your baby!

purpledonkey · 29/08/2017 17:43

What the actual fuck.

That's insane. Bye mum, nice knowing you. Ps. Can u return my £16k please.

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