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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:
loaferloveforyou · 29/08/2017 17:44

Mental. Would not be paying her a penny.

Benedikte2 · 29/08/2017 17:45

OP you are being very wise to seek a legal agreement. The way things stand your DM could go out and remortgage the house just to raise extra money. She clearly does not know how to budget.

SandSnakeOfDorne · 29/08/2017 17:46

Gosh, if you've only spent £16k for all that work on a house worth that much you have probably reduced its value by putting in cheap shit fittings. Or you would have if you'd done that.

OnionKnight · 29/08/2017 17:48

Tell her to get to fuck, I wouldn't bother wording it politely.

Tensecondrule · 29/08/2017 17:51

As others have said she must have been constantly remortgaging to end up with a mortgage that big...presumably if you stop making the repayments it will get repossessed leaving you with no inheritance at all and a homesless mother to worry about. Good luck sorting this out!

Shamoo · 29/08/2017 17:51

There is no way that the payments on an interest only mortgage on a 450k house can be 2500 per month on a mortgage taken out in the UK in recent years. Have you seen any proof? Do you pay the mortgage directly to the bank?

Nuttynoo · 29/08/2017 17:52

She probably sees it as you investing in 'your' house, and not helping her, and I think she'd be right to feel that way. You take over the mortgage but only on the condition that you inherit the property, rather than encourage your mum to downsize which is what sane dc would have done, you've put in 16k but again reiterate the inheritance. She probably needs money for living expenses etc which you aren't covering because of course the sooner she dies the sooner you inherit Hmm

ProseccoMamam · 29/08/2017 17:52

You paid for the renovations and you pay the mortgage. That is basically your fucking house, the cheek on her!

Stop all payments and send her a bill back, I can't even believe someone would be so greedy, especially trying to take from their own family member who is currently in need of finances to provide for a newborn. This whole story has amazed me.

prh47bridge · 29/08/2017 17:53

The mortgage repayments sound very high for a £450k interest only mortgage. I would expect something more like £1,100 per month. The amount you are paying suggest that either it is a repayment mortgage or it is much larger than you think.

Bluntness100 · 29/08/2017 17:53

She's an actress? I guess it could be hard for her to get work. I'm assuming she is a relatively successful one though if she could get that sort of mortgage.

If she's not had work since April. Then, yes, you know she sent you that bill as she needs the money and she didn't want to ask.

Keeping the house is prudent if it's zone one, but the mortgage has to be changed to a repayment one in your name, as she won't get amothef mortgage.

Emmageddon · 29/08/2017 17:53

Are you sure the bill isn't meant to be a joke? Send her 2 grand in monopoly money accompanied by a photo of you and DH laughing.

AprilLady4 · 29/08/2017 17:54
Hmm
PurpleMinionMummy · 29/08/2017 17:55

Gosh you're doing well for 23 to afford all that.

It's not likely she's paying 2.5k a mth on an interest only mortgage really.

Why have you namechanged? As if your mates won't recognise you lol. Are you the poster who spent hundreds on a pair of mittens? Hmm

UmBankroll · 29/08/2017 17:56

I've asked my DM to have the property valued by an estate agent on several occasions but she refused - she said because the house was in somewhat of a state of disrepair she didn't want the mortgage company to find out. But now everything has been fixed she can't use that excuse anymore. Zoopla says the average property price for the street is £1.9million so that's one of the reasons why we were willing to do the renovations; in order to get the house more up to scratch so it could reach that kind of asking price. It has a loft extension which my DM had done in the 90s, but now most houses in the street have had their basements dug out too.

If she could get anywhere near the street average selling price she could very easily pay off the mortgage and have more than enough to buy herself a smaller place, even staying in the same area. But she's incredibly stubborn, overly emotionally invested and attached to the property, and quite frankly delusional as she point blank refuses to sell.

OP posts:
Namechangetempissue · 29/08/2017 17:56

I would actually be hugely surprised if she signs anything from a solicitor. She has done quite well out of this "deal" so far, obviously likes easy money and will happily take and take some more from her own child -I can't see her handing over the keys to a very valuable house anytime soon.
Be very careful OP. She will use your reaction to this bill for reasons not to sign over the house (can you tell I've been here before?!). Don't pay it, get all of the evidence of your payments so far toward repairs and the mortgage and seek legal advice.

Bluntness100 · 29/08/2017 17:57

I'm curious now. Is your husband also in show biz?

WomanWithAltitude · 29/08/2017 17:58

I'm guessing that either the amount owed on the house is much higher than DM claims, or the monthly payment is much lower.

whatever the answer is - the OP cannot leave her mum to be responsible for the mortgage as she is on track to be repossessed if she doesn't shape up. If the op is going to provide financial support, she should demand to be on the house deeds and the mortgage. (Which will ensure she has access to accurate information about the debt, and will also prevent DM remortgaging again without her knowledge, which I suspect is what's been going on).

Mumof41987 · 29/08/2017 17:59

If this is real then you need to tell her to fuck off then fuck off somemore ! I don't know whether I believe this post or not tho ?? Seems a HUGE mortgage and spending 16k on your mums property then getting a bill off her for staying seems completely un realistic ? I apologise if this is true tho and would be straight on the phone asking her wtf she is playing at .

TakeAnadin · 29/08/2017 18:00

Do what? Is this for real? renovating someone else's house so you can stay in it? For ONE month?Because a HOTEL would be EXPENSIVE?
With massive TV and massive mortgage?

Oh well you must be ever so rich.

MarcyMercy · 29/08/2017 18:00

Where can one buy a house in a desirable London location for 450k please, or has Brexit had a bigger impact than I thought!

Maybe that is just the mortgage amount though. If so, house needs to sold pronto and drama llama mother needs to wake up fast!

I am baffled by this blasé attitude to money from all participants in the mess (if it is genuine that is).

Carriecakes80 · 29/08/2017 18:00

Oh how the other half live eh? lol. To make me comfortable at my Mums I splash out on a bag of chips and stick Eastenders on! lol

Btw yes your Mum is being tight as a Gnats chuff, but really, if you can afford to do all that just because you stayed for a few months, no wonder she thinks she's onto a winner! She's laughing all the way to the Bank! Tell her yes you'll pay, as soon as you get your money back for all the changes you made to her property. Plus if she has so much spare room and she's needing the dough, tell her to get a lodger!

Theworldisfullofidiots · 29/08/2017 18:01

Stop paying her mortgage and she'd have to sell. It's not your problem, your baby is your priority now.

Out2pasture · 29/08/2017 18:02

Very sad, clearly your mom has mental health issues. With this attitude I can understand why she is having problems professionally.
As others have said this will be a diuficult hurdle for you.

SantasLittleMonkeyButler · 29/08/2017 18:02

I can completely understand how her mortgage is £2500 per month interest only if she took it on a self-cert basis with a sub-prime lender in the early 2000's (i.e. before the recession & rules changing).

At one point we were paying £895 interest only on a £100k mortgage. Not for long mind you, but still.

In any case OP, unless the house is worth a huge amount - £2m ish, by the time you have paid your DM's £30k per year mortgage for 15 years and then paid the £450k capital - plus I assume any upkeep costs in the meantime, you will have bought the house yourselves.

After which, any other debts she has & any care costs she may incur will still take priority over your inheritance as it's her property. You may well end up having to sell it anyway.

If the house is worth significantly more than the £450k owing on it (which you suggest it is) then the only realistic option is to sell it & buy something cheaper outright.

elfies · 29/08/2017 18:03

sorry but this sounds very odd

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