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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

MIL mad at me for interfering, AIBU?

39 replies

DuckBread · 06/02/2020 12:08

Sorry for the long post, this is a bit of a complex situation. My DH is an only child and his parents are divorced. Between us our parents are spread out over the UK and US which makes it impossible for us to relocate to look after all of them. This makes me feel terrible, but there's simply nothing I can do about it. All our holidays are spent with them and we skype very often (almost daily) so that they can have a relationship with their grandkids.

Last year my step-FIL passed away after a long battle with Alzheimers. It was a very difficult and heart-wrenching time for MIL. Early in his battle with the illness he was befriended by a 'financial advisor' on whom they came to rely on heavily for emotional support. Let's call him Bert.

Bert detests my family. He is charming when MIL is in the room, but rude and dismissive as soon as her back is turned. We have tried telling her this, but she doesn't believe us. MIL is very sweet but she is also chronically insecure, particularly about what I think of her. Bert plays on these insecurities and, I think, goes out of his way to subtly encourage her to think that I hate her. This is easy because he is there all the time and we're not.

I used to think that Bert dislikes us because MIL helped us get on the housing ladder (she offered, we did not ask) so that our kids could live in a nice area. I thought he was afraid she was being taken advantage of. After FIL passed away, however, we were helping MIL with her paperwork when we discovered something terrifying. Bert had persuaded her to make him her power of attorney. Where she lives that'd give him total control over all her assets if she ever fell ill. We couldn't challenge it because we'd have to pay the legal costs for both sides.

Now, even if he is not a confidence trickster trying to rob her (I have a number of reasons to think he is but I won't make this post even longer by describing them in detail) the fact is that we could not work with him to handle her affairs. It'd make things like sorting out her medical bills near impossible. We'd need the signature of someone we're barely on speaking terms with every time. We begged her to change it. At one point I got so stressed about the situation that I cried in front of her.

She has finally changed the power of attorney, much to our relief, but DH had to really push the issue and the whole business has soured our relationship. She still loves Bert and his wife to pieces and because my DH is... well... her DS... decided to blame me instead, for convincing him to hate her friend. I am hurt by this, but also finding it very hard not to get angry. Secretly I think that she did something really dumb and cost me and DH a lot of lost sleep in the process.

AIBU? I feel like I wouldn't appreciate her intervening in my affairs either, so I take her point. I really didn't want to, but the consequences of ignoring this situation would have been so serious! We're taking the kids to see her next week and I'm pretty anxious about it.

OP posts:
richele4 · 06/02/2020 15:37

The OP is being attacked about caring about her MiL's money but if you thought that a family member was being conned wouldn't you?!

I remember a similar thing happening with my DH's aunt, we spent ages analysing transactions to find out how much she had actually given him. That's not focusing on her money, it's making sure you're being smart about the situation so you understand it properly and can avoid it happening again?

You're doing the right thing, OP.

Coyoacan · 06/02/2020 15:53

Taking the POA off Bert not being obsessed with money, ChicCroissant

So many wealthy elderly people get taken advantage of. Here in Mexico we've had famous people disappear and kept in appalling conditions for years by people holding the POA.

Moreover, the OP has said that when MIL is not in the room, Bert speaks very disparagingly about her. That is not what friends do.

MissConductUS · 06/02/2020 15:58

FINRA is the relevant regulatory body for financial advisors in the US, and they fall into a number of categories (public accountant, insurance representative, lawyer, etc.):

en.wikipedia.org/wiki/Financial_adviser

All are regulated to some degree. Do you know if Bert has actual credentials in this area or is he just someone calling himself a financial advisor?

Drum2018 · 06/02/2020 16:04

Can you or any other relatives make a recording to prove what Bert is like when your Mum is out of the room?

I also thought this. Though even if you did show mil a recording, Bert would probably convince her that you and Dh were being unreasonable. I'd be wary that if she's changed POA to your Dh now, Bert could very well coax her to switch back to him.
As for you/Dh having to pay for any future care in the event Bert had taken money - the answer would be a big fat No. I'd be leaving that to Bert and his wife!

NoNoAndDefinateNo · 06/02/2020 16:05

She has finally changed the power of attorney

This is the main thing. Who she blames doesn't matter right now, it is something to address at some point, but right now the main thing is that Bert won't have control.

Coyoacan · 06/02/2020 16:12

I can't remember, sorry, who posted this, but it is shocking, informative on this issue and funny at the same time.

ChicCroissant · 06/02/2020 16:26

It's the OP that I thought Bert didn't like, not her MIL Coyoacan. The OP said Bert detests her family and that she thinks he encourages her MIL to think badly of her (the OP). Bert isn't rude about her MIL, just rude and dismissive to the OP.

We can agree to disagree over our interpretation of the OP's original post though, I've no problem with that.

lunar1 · 06/02/2020 16:32

Bert befriended your in-laws at the beginning of your FIL's illness and then benefited from his death. Usually assets would go to the spouse/children. Why on earth did he inherit?

You have absolutely done the right think. In the Uk doctor's and social services make decisions with the family, but can override the family if they don't feel things are in their best interest.

POA carries much more weight in the USA, I would absolutely be trying to get proof of what this man has done and his behaviour.

You have done the right thing. It sounds like Bert has badly manipulated your in-laws.

abstractprojection · 06/02/2020 16:43

The two most important things in this is your MILs welfare, and you and your DH relationship with each other. So I'd take being the 'bad guy' on the chin, but ensure that you fully support your DH in securing her welfare.

How you do this I'm not quite sure. Maybe MIL should come and spend time with you both in the UK, get her away from Bert and your DH can discuss his concerns with her. Ideally I think your DH should have POA but this will have to be brought up by him and very delicately

DameFanny · 06/02/2020 16:55

Disagree with interpretation all you want chic but your opening statement makes it clear you didn't even read the OP so can safely be ignored

mathanxiety · 06/02/2020 17:01

Is your MIL in the US or UK?

Either way, you need to cut back on unnecessary expenses and hire a PI to investigate Bert and his wife. Do this as a matter of extreme urgency.

Their credentials, their past clients, previous addresses, bankruptcies, property records, etc. all need to be examined.

You need to find out what solicitor (UK) cooperated with the POA if in the UK. He or she needs to be investigated too.

If in the US, have you seen the forms/ paperwork for the POA that named Bert?

Dozer · 06/02/2020 17:04

In the UK bert would have breached financial adviser guidelines and could be reported to the authorities as a con man / risk to vulnerable people.

MissConductUS · 06/02/2020 17:08

In the UK bert would have breached financial adviser guidelines and could be reported to the authorities as a con man / risk to vulnerable people.

That's likely the case in the US as well, which is why I asked about his specific credentials upthread.

Imbo1c · 06/02/2020 17:10

If there any professional body you can report Bert to?

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