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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:
UmBankroll · 29/08/2017 18:03

@PurpleMinionMummy I'm mid-20s so a bit older than 23... but yes, DH and I have done well for ourselves and we work hard for it. And no I'm not the poster who paid hundreds for mittens - I may have been emotionally guilt tripped into being quite naïve financially for my mother, but I'm not the type to just fritter my money away on things like that.

OP posts:
MadamePomfrey · 29/08/2017 18:04

Have you seen the mortgage statements etc? If I have understood everything correctly her monthly payment Is £2500 and the mortgage is for 450k?? And this is interest only?? And she got this mortgage on her wage alone?? Something isn't sounding right here! You need legal advice re the transfer of deeds yes but you also need to see all paperwork related to the mortgage asap!!

storminabuttercup · 29/08/2017 18:05

I'd love to see the bill, how on earth could you have cost her 2k in a month?

StormTreader · 29/08/2017 18:05

Definitely get the paperwork sorted, I actually wouldnt be that surprised to find out that she has already sold the house to one of those "reverse mortgage" places and then spent the cash payout, and you are now paying her "rent" - why else would she be so resistant to getting it valued?

Softkitty2 · 29/08/2017 18:06

Hi OP you seem to be an intelligent person BUT in this instance are being foolish.. You have been bankrolling/investing in a property you have no idea what standing it is on.

Speak to a lawyer.
Ask your mother to show you mortgage statements etc etc
For all you know the house has been remortgaged up to your eyeballs and any equity in it will just go to the bank

Also your dm can say actually turn around and say it's my property and I can do as I please with it.

quercuscircus · 29/08/2017 18:06

Good grief. Sounds like a right mess. Get that legal & financial advice ASAP OP. You can't make a real decision without it.

Make sure you don't get into to something that you can't get out of, give more money than you can afford to lose or wait a very long time to get back.

lynmilne65 · 29/08/2017 18:06

Absolutely disgraceful, 🌹for you x

ShellyBoobs · 29/08/2017 18:07
Hmm
ShellyBoobs · 29/08/2017 18:09

OP - your DH isn't Italian, by any chance?

WomanWithAltitude · 29/08/2017 18:09

30k × 15 yrs = 450k
Capital repayment (assuming your mum has been honest) = 450k
Upkeep/renovation costs over 15 yrs (which she clearly can't afford, as she's letting it get damp and fall into disrepair) = 100k (?)

When she is older her care costs will be taken from the equity she has. And her house is highly unlikely to fetch the average price for the street if it isn't furnished to a very luxurious standard (16k for two bathrooms and the flooring in a £1m+ property is fuck all!)

Do the maths OP - this is a terrible investment for you.

Bluntness100 · 29/08/2017 18:10

And she got this mortgage on her wage alone?? Something isn't sounding right here

It probably is right, it depends on her average annual earnings when she took it out. In addition the house is possibly worth about two million, so the bank will have it as security, is it a good mortgage now, nope, but it might have been then due to the nature and fluidity of her earnings.

And on my salary alone I can get a mortgage for well over 500k. I know because when we bought three years ago we did it on my salary alone due to my husband changing companies and that's what they said I could have if I wanted. I didn't. No where near.but when I wanted to increase it slightly they said, no problem in fact you can go up to x if you want. i was quite horrified.

lynmilne65 · 29/08/2017 18:10

Can I adopt you ???😁😁😁

diddl · 29/08/2017 18:13

So she's been paying for 30yrs & you've been paying since April?

UmBankroll · 29/08/2017 18:14

@ShellyBoobs No he's not, nor is he in showbiz @Bluntness100

I think I've been too soft with my mother in dealing with this issue up until now; she's been through quite a number of traumas which have undoubtedly impacted on her mental state, and I already feel guilty as it is for leaving her alone when I moved abroad, so I've been far more lenient with her than I would have been if this was purely a business situation. But I think I have to change my mindset and view it as business from now on, because this cannot continue.

OP posts:
Anecdoche · 29/08/2017 18:14

This reply has been deleted

Message withdrawn at poster's request.

SantasLittleMonkeyButler · 29/08/2017 18:14

Actually StormTreader has a very valid point.

DM's aunt had no DCs of her own & always used to tell DM how "everything will be yours one day". Now, DM was never a grabby person, loved her aunt dearly & never wanted or expected a penny from her.

It was however a bit of a surprise to find out after her death that auntie had made an equity release arrangement with a company to give herself a lump sum to live on - fine, no problem, she was absolutely welcome and entitled to do that but it did mean that DM, as the sole beneficiary of the Will received a grand sum of £4500 after the sale of the house.

ghostyslovesheets · 29/08/2017 18:15

stop paying her mortgage and have a holiday in Maui

seriously OP £2,500 is NOT interest only on £450,000 gMortgage

either she's lying and ripping you off or she's remortgaged numerous times and owes lots

Booboobooboo84 · 29/08/2017 18:16

I'm impressed that she had the balls to send it. She is def taking the absolute piss.

You need to formalise an agreement re the mortgage and either she signs it or you withdraw support. It may be easier for you to let your DH take the lead on that if you think you won't be able to keep your foot down on it.

Don't even acknowledge the invoice for your stay and if she asks about it say don't be ridiculous.

Heratnumber7 · 29/08/2017 18:16

a) that's a huge mortgage on a house that appears to have needed so much renovating

b) £16k is a lot to spend on getting a house fit enough to spend a few months in. It must have been in a dreadful state for you not to have been able to stay there fora few months.

Think I'm missing the point

NotTheCoolMum · 29/08/2017 18:16

OP your relationship with your DM sounds completely dysfunctional.

You need help to separate emotionally from this unhealthy enmeshed relationship.

Atenco · 29/08/2017 18:17

I'd say she remortgaged to pay for private school, though that is not putting the blame on you, OP.

Whatever, this situation is totally unsustainable. Your mother is not too old to find and job and put her life in order.

KickAssAngel · 29/08/2017 18:18

Having just done a quick online 'calculate your mortgage' thing, there is no way that she's paying all of that into an interest only mortgage. Also, you mention that a lot of the costs were for labour on the repairs.

She's fleecing you.

Unless you've seen originals of mortgage statements & invoices, she's exaggerating her expenses and living off the money you're sending her. If you're willing to finance her, fine, but don't expect to ever see a penny of that money back again. She could easily live another 40 years, and spend every penny she has on care in her final years, leaving you with a pile of loans secured against the house.

Are you able to go over to visit, and have a hard conversation about her finances? There are various practical things you could do, like having the house made over to you, but her allowed to live there long term, that could give you some security. Or you can just admit defeat and keep giving her the money, knowing that you are getting nothing in return.

Probably, the easiest solution is just to stop financing, endure the shitstorm that will happen as she blames you for her poverty, then try to re-establish relationships once the dust has settled. If she really would never speak to you again because you refuse to bank-roll her, then is that a relationship worth holding on to?

btw - if you live abroad, you'll need a specialist broker to get a mortgage in the UK anyway. It may be worth finding out more about that now, as you could potentially be able to buy her out and let her live there rent free - it would be a LOT cheaper for you.

Potentialpoochowner · 29/08/2017 18:18

Gosh can you photo the bill and put it on here? Can't imagine what you spent 2k on in one month!

milliemolliemou · 29/08/2017 18:19

As other PPs have said

Paperwork
Talk to mortgage provider and bank if you can - if it's still in her name you'll have problems
Make sure you have evidence of loans and any agreements you have - otherwise she can just claim them as gifts
You can do up the house all you like and currently it seems she can remortgage all she likes and you have no claim unless you're on the deeds or have a written agreement..
Before responding about the soap etc I would get this all in order or she'll give it to a cat's home. Or her new best friend.

I would also gently suggest she makes a will and that you do powers of attorney.

Lillygreen · 29/08/2017 18:20

What am I reading?! She is absolutely insane.
You need to show her this thread...

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