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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to think my mum is wrong to sell my house?

79 replies

StealthLemonade · 21/02/2020 11:24

This is pretty brief and I am trying to be as balanced as possible...

My mum is a narcassist, it took me years to really have the penny drop but my whole life she put me in the shadows and put herself very much first (but yes, she took me to stately homes!)

I left around age 16, a bad choice but I just wanted out. I had a massively failed marriage at 18-25, at the beginning of which my mum gave me £25,000 to buy a house. She never let me forget it (would even call my children scroungers when she was in a bad mood, and said she subsidised us). On the other hand, she paid all my sisters student loans, paid a chunk of a 40-50k wedding (mine was £200 and she didn't even let me wear a wedding dress). I always tried to be less of a burden on my mum, but my ex was utterly useless and often left us in deby which mum bailed us out of alot. But I always got the sense that she sort of kept me just afloat, like in a cage. When I left him to a refuge, she got mad for something a month later and told him where I was. When I made some friends, she reported me to social services because they were not white british. But in other ways, she gave me alot of help.
My ex did not want me to have the house, so it was agreed that he would get 15,000 and the house was to be put in my mums name (between me and my mum she agreed to give it back once I could get a mortgage as I was a student). A while later she kicked me out of it, saying her mortgage company did not allow family members to live there meaning instead of paying her £300 mortgage, I had to pay £1200 to rent another house. She pocketed the profit for 5 years. I told her several times I was ready to buy it back (I signed over all the equity to her) and she kept being vague about it all. I eventually found out she sold it, at a loss but still took the £100,000 equity for herself. At this time I was living in a homeless B & B and lost my oldest children to the same ex mainly due to instability of housing. She did not need the money, she owns three houses and I found out at the same time she appears to be sending chunks of money to a man in Thailand and also saw a message telling my sister when the money comes through from the house, she would take them both on a spa weekend to destress etc.
Part of me thinks... well she gave me the deposit, had to bail my ex out alot and was probably fed up of it all, but on the other hand she has given me far far less than my sister, habitually lied (sort of kept me on a string full of promises rather than letting me just go and live my life) alongside her nasty behaviour (calling my son a bloody half caste, reporting me an random to SS when she doesn't get her way, threatening me with sterilisation or sectioning when she's having one of her episodes and even lying about my grandads funeral because she didn't want me to bring my child)

So, who was wrong? I have cut her off now because she was like a huge cloud on my life and I was tired of living in fear (she would ring anyone and everyone such as refuge staff (who said she was abusive), my lecturers, any partners or their family) and this backstab was the final straw (shes an ex high up health professional and says she can get access to my medical records etc). The whole time I was homeless she didn't give me any support (I specifically mean emotional) - she would come to my town to do work and wouldn't even tell me. I asked her only for some white fabric she had in her loft (for years) to go around my bed as I was sharing a room with 4 children at the time and she said it was too good for me and she might need it. I said it wouldn't be cut (and she paid £1 a meter for it in a sale) and she just kept saying how good quality it was and she didn't want me to have it. She also makes my children sleep on air beds at her home with old wool blankets as her beds and bedding are too good for us. Sorry, rambling now, but what's MN opinion?

OP posts:
Monty27 · 21/02/2020 12:35

Hrth but I feel you did lean on her. You still didn't get it together so she now wants her investment back as it didn't seem to help you

ifIwerenotanandroid · 21/02/2020 12:36

The best situation is to be in contact with a loving family.

The worst is to be in contact with a mother like yours. (I recognise it as I had Ns in my family)

The middle ground (& the best you can do for you & your children, I'm afraid) is going NC with a bad family.

StealthLemonade · 21/02/2020 12:41

And my mum offered the 25,000 for the house, as she has given my sister similar amounts for her wedding/travelling and her own house. Overall I would have been better if I never accepted it, as she then used it for years against me even decided who can come to the house or not. I wouldn't care a jot if she had wanted her 25k back (even though as I said, my sister has had far far more) but she convinced me to sign it over in totality and then left me homeless, but on a piece of string.

I am safe now, I am building up my life in a way that it cannot be taken away. Now that her and my ex no longer know where I live I have not had random reports and have had therapy to make me more confident and less naive in trusting others.

OP posts:
Lostkeyagain · 21/02/2020 12:43

Re the house, did your mum give you any payment for the house in 2012? Had it increased in price since you bought it in 2006? What was the equity in the property in 2012 when you transferred the house to your mum? How was the stamp duty funded? Do you have any documentation evidencing that she would transfer it back to you and that the £25,000 and £15,000 were gifts (rather than a loans)?

It is worth speaking to a solicitor to find out what your remedy might be, and sooner rather than later as you might have limitation issues.

TheReef · 21/02/2020 12:44

What's done is done and this is where you are now. Try not to look back. Go NC with your mother and start from scratch.

She's abused you, stolen off you and used you. Time for you to put a stop to it and sort yourself out and stop worrying about her and the past. You can't change either

Getoffmylilo · 21/02/2020 12:46

Horrible situation OP, I'm so sorry you've been through all this crap, similar type of thing went our family but with my dad. I have no advice but stay away and keep your kids away too.

DoSomethingBob · 21/02/2020 12:46

I think some of you are getting the wrong end of the stick, or maybe I am.
Her Mum gave her £25,000 deposit and later £15,000 to the Ex to get him off the mortgage. She then took over the mortgage of £300 a month on the understanding that the op and her children would live there and pay ‘rent’ to cover the mortgage payment.

Once this was done the mother then proceeded to evict the op, who was forced to rent at a far higher rate which she struggled to afford . Her mother then downgraded the mortgage to interest only and rented out the house at full market rate, pocketing the £700 profit while seeing the op homeless and losing custody of her children.

The mother then sold the house and pocketed the full £100,000 herself, despite having only given out £40,000 and having benefited from renting the property. All this while having no need of the extra money and splashing the cash on the other sister and a random in Thailand.

Op, your mother is an absolute bitch, you did nothing wrong and you definitely need to stay no contact.

NoIDontWatchLoveIsland · 21/02/2020 12:50

I'm sorry but did your mother buy the house off you or did you give it to her? If she got a mortgage in her name surely she bought it off you? If so, what did you do with the money?

OldEvilOwl · 21/02/2020 12:51

Forget the house, forget the money -they are gone.
You were right to go NC with her, she sounds like an absolute bitch. You don't owe her anything, she has fucked you over more times than she has helped you out, and shown that she cannot be trusted. Draw a line under it and move on. Ignore any contact from her

StealthLemonade · 21/02/2020 12:52

The house when I signed it over to her had about 114,000 equity in it. I signed it over for the value of the mortgage, plus exs agreed share (so I was always ultimately going to be the one who paid my ex) . Mortgage stood at 86k and it was given to my mum for 100k, value was 200k. It was agreed I would buy it back for 100k, effectively paying off my ex myself but "down the line" so to speak. It was agreed I would live there (the point of this was to be the easiest option, otherwise I would have just sold it and moved, but mum didn't want that) . She sold it for 200k when it's value was a minimum is 240k for a quick sale last year for reasons unknown, but it was in the same time I was ready to buy it back. Because of the low mortgage (300 a month) and it being let for 1000 a month, she also made 700 a month during that time. Had I not been given all this false information I could have easily made a different financial order, sold or got a buy to let mortgage myself even as a student and retained the property plus the income. But at that time my mother was convincing me it was a better option, than I wouldn't have to move etc and I would just get it back again. It wasn't a case of baling me out

OP posts:
NoIDontWatchLoveIsland · 21/02/2020 12:52

E.g. what was your equity in the property (difference between market value of the property, and outstanding mortgage, less the equity given by your mum & the money due to your ex?

NoIDontWatchLoveIsland · 21/02/2020 12:53

I don't understand why you ever transferred it to her at below market value, or why your ex got such a low proportion of the equity?

itsgettingweird · 21/02/2020 12:55

Agree with seeking legal advice.

Some solicitors offer a free half hour initial consultation.

I'd find one specialising in property law and see what they think.

WeAllHaveWings · 21/02/2020 12:56

It is impossible for us to tell who was wrong as it is a one sided snapshot.

The history and who is to blame is really irrelevant now, you cant change that, you have taken the step to go nc because the relationship you and your mum have is not good and it has a negative effect on your life. Concentrate on what you can change now and moving forward.

Drum2018 · 21/02/2020 12:56

I am safe now, I am building up my life in a way that it cannot be taken away. Now that her and my ex no longer know where I live I have not had random reports and have had therapy to make me more confident and less naive in trusting others.

Well this is the best news on your thread. Continue with therapy if you need help to get past the actions of your mother. You were badly informed and effectively handed her the house on a plate. Once that was signed over into her name you had no claim on it. You are NC, you have built up a life so please try to find a way to let this go. Being bitter will eat you up and she and your sisters are not worth that. Focus on your kids and making a wonderful life with them - they are your family. Leave the other assholes firmly in the past.

NoIDontWatchLoveIsland · 21/02/2020 12:56

This whole thing is a mess. Can't understand why you transferred at below market value unless it was to somehow screw your ex out of money.

You should never be doing things at values that aren't above board.

asIlayfrying · 21/02/2020 12:57

You definitely didn't do anything wrong. she sounds like a thieving manipulative liar. You have done the best thing possible, which is to get yourself out of a situation where she has you over a barrel or can dangle a carrot in your face. But she did stitch you up with what she did, and while it's all very well to say move on, part of me would be tempted to at least get back some of the money I paid over the years on the house. I would seek legal advice and let her know that's what you're doing to try and get some money out of her (she clearly has a lot) to set yourself up. If she has a good name she won't want people to know what she's done, so I would start by letting her know her secrets will come out as you intend to get to the bottom of what has happened/seek legal advice.

IndecentFeminist · 21/02/2020 12:57

Presumably she did get a profit of she was renting the place out?

StealthLemonade · 21/02/2020 13:00

Yes sorry, it probably is a little more complex that originally posted. As I said, sometimes I think "oh am I being too harsh to NC".

It's more than the money to me, it's really the way it was done . The more she's "helped" somehow the more entangled I became in her bidding. I am nearly finished university now, despite everything (like I said, she would ring up my (college) lecturers and try to jeopardise it, would come to my house in exam times and rant and rave all night etc. There really is a much bigger web to all this, and a lot of reasons to NC. But somehow this is the one that's really played on my mind, and the gloating she did.

OP posts:
WhentheRabbitsWentWild · 21/02/2020 13:04

I doubt very much you were a shitty daughter OP

Your mother sounds fucking horrendous . All about Her.

StealthLemonade · 21/02/2020 13:05

I did it below market value because it was just about the transfer of the property - I didn't "sell" it to my mum. My ex wasn't entitled to any of it in court, he neither had the children at that time, and only made minimal contributions over the years to the mortgage and none to the deposit. But he was obstructive to the divorce and it was an overall settlement to stop him dragging the process on really. Nothing was underhand, it was done in court. But like I said, I was painted a very different picture at that time.

OP posts:
steff13 · 21/02/2020 13:06

How much money did she give total, for the debts and everything?

WhentheRabbitsWentWild · 21/02/2020 13:06

Somebody up thread asked if you and your sister had the same father OP .

As she sounds so resentful of you I wonder too . You don't have to answer but if she resented your father it might be why she treats you so bloody awfully and not your Sister.

RedskyAtnight · 21/02/2020 13:07

The thing I find most odd is that your ex accepted 15K as his share of the house, when there was over 100K of equity in it.

I suspect there is a lot more to this story.

yellowkangaroo · 21/02/2020 13:10

It sounds as though you might have very little legal redress although morally your mother hasn't acted well. You are not wrong to go NC. Even if you had got your house back as promised there can be no price put on being free of your mother guilt tripping and controlling you over helping you out with the house for the rest of your life, controlling visitors, calling your kids scroungers, it could never really have been 'yours'. Cold comfort maybe when you could be doing with the financial security that the house represented, but you will likely thrive without her around. No need to feel bad about going NC, it's the only sane move.

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