Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

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:
notapizzaeater · 29/08/2017 18:22

You need to get legal advice, if she is taken ill or needs to go to a home or a care home then they would take it for. The house that you are paying for .....

Has she dementia and "forgotten" you're paying the mortgage ?

Kickhiminthenuts · 29/08/2017 18:23

Your not inheriting the house if your buying it. Although it sounds a wise investment given the values.

when you get it put in your name make sure you also pay a bill e.g water. I remember it being part of the deprivation of assets if your mum needs care in her old age.

As for the bill I don't really know where you start with that conversation. But god no you shouldn't pay!!!
I've seen a few very complicated family relationships develop where one member is financially much wealthier than the other. So the wealthy one has found ways to help the others out. It always seems to get complicated with expectation and demands coming from both sides.

youarenotkiddingme · 29/08/2017 18:23

Does she live in a mansion?

Why is a single woman living in a house with a £2500 a month mortgage when it needs 16k of renovations and she doesn't have steady employment?

She needs to sell and use the equity there must be to get somewhere she can afford!

AryaOfWinterfell · 29/08/2017 18:23

The only people I've ever known with a interest only mortgage that big was on a £1m mortgage and that was about 8 years ago when interest rates were slightly higher.
Like others have said if you don't mind carrying on paying £2,500/month then look at buying it from your Mum and telling her that the lump sum is what she has to live off of and that she'll get no more money from you.

OuaisMaisBon · 29/08/2017 18:25

If the mortgage was taken out sometime in the '80’s or early '90’s, it could well be an interest only (endowment) mortgage, if OP's mother did nothing about changing it to repayment only in later years, and has remortgaged it frequently since OP was born.

Kickhiminthenuts · 29/08/2017 18:25

She hasn't equity released has she?

Viviennemary · 29/08/2017 18:26

I think it was really cheeky of you to expect to stay at her house without contributing. That's why she sent you the bill. It must have cost her money to have you as guests for such a time.

RunRabbitRunRabbit · 29/08/2017 18:26

I'd stop putting pressure on her until the legal paperwork is actually signed or until you realise she is never going to sign that house over to you.

Are you paying the mortgage provider directly?

That mortgage amount on interest only suggests she already had the house valued and then borrowed the maximum possible against that valuation. As someone up thread pointed out, if her loan was for 450k and she is only paying the interest then that means she has an interest rate of about 7%, which is eye watering at the moment.

You'd are obviously high earners yourself, you'd be much better off buying her out of her mortgage, getting yourselves a much cheaper mortgage and let her live in the property. If she actually intended to leave the property to you and not cash in herself then she shouldn't have a problem with such a deal.

CookieDoughKid · 29/08/2017 18:27

I think you need to do a lot more investigate work to get the whole financial story and understand the level of debt owed. And elsewhere too otherwise you could be storing yourself up for a log of trouble. What if she leaves a will for your inheritance to go to a charity? Just saying.

Also what's her long term view in financially supporting herself as she could be living for decades more. Or you could end up supporting her .

OuaisMaisBon · 29/08/2017 18:27

Although it's likely to be Buck House at that interest repayment, true Grin

Dancinginthemidnight · 29/08/2017 18:28

She's got a massive cheek.

JigglyTuff · 29/08/2017 18:29

Wow £16 for two bathrooms, new wooden flooring throughout, soft furnishings AND a new telly is an absolute steal!

Can you PM me the name of your builder please?

CanIBuffalo · 29/08/2017 18:32

You're never getting that house. My guess is that she's remortgaged/released equity and as a PP suggested, she's playing you. She will use any refusal to pay the bill or her mortgage to 'cut you off' because there's actually nothing to leave you. Also I think she's relying on you being willing to keep paying up because you're afraid to lose the house.
Tbh this could go on for years and be incredibly stressful. Cut your losses with regard to the house/money now and stop paying out a single penny more until she's willing to make a legal agreement.

CorbynsBumFlannel · 29/08/2017 18:32

Hmm. Think I must be reading a different thread to others. Your mum was living on a house without a usable bathroom that was rotten and damp and, despite being high earners, you and your dh only helped her sort it when you were going to be staying there?????
You may not have asked to be sent to private school at age 4 but I wouldn't underestimate how much that has contributed to your salary now.
Your dm does sound cheeky sending an invoice. Maybe she thought the arrangement was that you'd help her out rather than spend the money on hotels? You hardly sound like the saint some are making out on here though.

expatinscotland · 29/08/2017 18:32

'She at some stage had to remortgage (which she blames on paying my school fees - I'm sorry but I didn't ask to attend private school aged 4!). It's also an interest-only mortgage, which to me is preposterous. The mortgage 'pay-off' amount will never be reduced regardless of the monthly payments. So, when DH and I agreed to step in and take over the monthly payments to keep the property ticking over when she asked us to (she had missed 2 consecutive payments) we agreed with her that as soon as we were able to pay off the £450k mortgage we would clear it and transfer the property into mine & my DH's names. She would continue to live there but the property would belong to us. We are not in a position to pay that amount off right now so we pay the monthly mortgage in order to keep hold of the place - it's a very valuable property thanks to its location and we wouldn't want to lose it. Keeping in mind she has always said it would eventually be my inheritance one day.'

No one this thick is that rich, surely? You know she doesn't have to transfer or leave you FA unless she's signed legal agreements to that respect. You know you are paying her mortgage, it belongs to her as does the property unless you drew up legal documents accordingly. Duh. Anyone who doesn't and is handing over that much cash is a jeffing fool. Let me send you my bank details, my bathroom needs redoing, you can have the place for the entire summer for redoing it.

The bill is the least of your worries. Consider the tens of thousands you spunked on your entitled pisstaker excuse of a parent a lesson well-learned, it's a lot cheaper than continuing to pay for her life.

'Dear Mum, I can scarce believe you'd send a bloody bill for our stay after we paid 16k for your home repairs and have been paying your mortgage for months. I've learned so much from just that one document. Thank you. I've learned that you're a leech who uses fear, obligation and guilt to manipulate me and abuse me financially and in order to break free from that I have to stop being complicit in it. There will be no more money from us. No 2k for this farce of a bill, no more mortgage payments, no supporting you for life whilst you swan around whilst you are perfectly capable of working. I have to look out for my own family now, and I plan to hire a proper nanny, not someone who sees my child as a meal ticket and then bills me for handsoap on top of that. I hope our relationship was worth this document. As for the 2k, you can go and whistle for it, or sing for your supper, because I'm not paying it anymore.'

And then you don't. Because it's like throwing money in a gutter. I can guarantee she'll have mortgaged it to the hilt again. Or has mountains of other debts.

The only way people like this learn to live within their means is the hard way.

expatinscotland · 29/08/2017 18:35

'Think I must be reading a different thread to others. Your mum was living on a house without a usable bathroom that was rotten and damp and, despite being high earners, you and your dh only helped her sort it when you were going to be staying there?????'

She chooses not to work! Can't believe anyone would expect their child to pay for their home when they are perfectly capable of paying for it themselves.

I saw this show on BBCScotland a week or so go featuring a male model from Glasgow. He's 18 and utterly minted but his parents will not take money from him, they are youngish and still work and live in their own home. They don't see him as a meal ticket to solve their problems.

Bambamrubblesmum · 29/08/2017 18:37

Is your mum Maggie Smith? Does she like yellow paint?

Seriously though maybe it's some kind of misguided cry for help. Sending you the bill could be her way of saying I need help, I need looking after. Has she spoken to any mental health professionals recently? Perhaps a visit to the GP. Sounds like she's losing touch with reality.

I'm not sure this is actually about money.

Slimthistime · 29/08/2017 18:38

She won't leave anything for you to inherit
You need to stop the UmBankroll I'm afraid.

Doting grandma just means she'll find more ways to sponge. Don't let her.

MadamMinacious · 29/08/2017 18:39

Why hasn't she sold the property & moved into a smaller property to reduce costs? Why did you sped £16k on renovations instead of helping her move house? All the renovation were agreed in advance by yourself and your mother did you agree to work out a repayment plan for the renovations? It appears that you have taken advantage of your DH cash as how can you pay £2500 a month and £16000 afdter having just quit your job?

There is more to the story no doubt: are you due to inherit the property? a mortgage that size must be for a debt of £300000 to £400000 ? so the property likely worth £500000 to 750000.

Time for her to downsize I think. You can get your cash back from her when she sells & remortgages.

Foxysoxy01 · 29/08/2017 18:40

Oh my word! This situation is absolutely insane OP!

You cannot allow this to continue all the time you are paying for something you will never get your money back on. I know she is full of when you inherit/sell the house blah blah blah but truthfully she will just remortgage again until there is literally no equity left in the house, or use the money you are paying her to live off and end up with the bailiffs knocking.

I'm all for looking after your parents in their later years but you need to do that sensibly, not just throw money at her which she is clearly unable to spend sensibly.

You need to stop all monies from now and speak to a solicitor asap. Get a good contract written up and the best to all means carry on with the mortgage repayments if it makes financial sense to do so otherwise she needs to sell up now and move somewhere much smaller and cheaper which she may only do if you stop enabling her and force her hand.

CorbynsBumFlannel · 29/08/2017 18:40

I thought she was having trouble finding work?

HelloSquirrels · 29/08/2017 18:41

This is utterly batshit.

Yes she's your mother but WHY are you doing this?

Stop paying her enormous mortgage! Why are you renovating her house without having a single signed document to say you'll get anything out of it?

Put your card down! Step away from the purse! Stay in hotels in future

RhiWrites · 29/08/2017 18:41

when DH and I agreed to step in and take over the monthly payments to keep the property ticking over when she asked us to (she had missed 2 consecutive payments) we agreed with her that as soon as we were able to pay off the £450k mortgage we would clear it and transfer the property into mine & my DH's names.

Oh dear, OP. I think you've been quite naive. Your mother has much more serious financial problems than you know and j dread to think what the real size of the mortgage is. I am certain you don't know the full extent of her debt and that whatever you've put into the house so far is gone for good.

Consider that a sunk cost and start planning again for what happens next.

AnnMeredithPerkins · 29/08/2017 18:41

2500 a month?? Wow

What is it you do op?

HelloSquirrels · 29/08/2017 18:42

And as for the bill Hmm

Please create an account

To comment on this thread you need to create a Mumsnet account.

This thread is closed and is no longer accepting replies. Click here to start a new thread.

Swipe left for the next trending thread