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Parents leant me money - now won’t talk to me

248 replies

greymauve · 02/09/2020 18:04

NC for this.

Truly expect to get flamed for some of this but I’m just quite upset and have nowhere to turn but here.

I had to ask my parents for money yesterday. £150, with the intent of paying it back on Saturday. I very, very rarely have asked my parents for money. I’m 26 and moved out at 18. Have lived independently and always supported myself. Have also worked since the age of 14 (starting as a waitress on the weekends).

I have been struggling financially for the past few months since having a baby. He’s 21 weeks old and I went back to WFH six weeks postpartum. I had saved up at the start of my pregnancy to pay the rent for four months while on maternity leave because was only able to get £140 a week. Due to getting ill during my pregnancy, I had to start using it from 28 weeks.

I didn’t have savings because I was in a financially abusive relationship before meeting my DP and lost them all.

I’m self-employed but have regular clients, but invoicing can take some time. I haven’t been paid since July. I have a long-term illness that prevents me from working outside of the house and am high risk.

I am currently looking after my baby in the day and then working from 4pm to around 12am-1am every day. I am due £6,000 next month. I’ve literally been working as much as possible.

I am also suffering badly with PND. Am in therapy, CBT and under the perinatal team as well as being on medication.

Anyway, I had to borrow the money because my cat became unwell and I had to get emergency treatment. I have pet insurance so can claim it back.

I didn’t have enough in my account and called my mum. I was nervous to do this because as I said I do not like borrowing money.

She said okay as long as I pay it back on Saturday so I said that was fine. She then said I ‘really need to sort myself out’ and when I said that I was working as much as I could to do so she said ‘You’re not even trying’. It really hurt because I am the main earner and I am trying my absolute hardest to make as much money as possible.

Today she called me and went mental. She told me that she hadn’t asked my dad whether it was okay to lend the money and that now he won’t talk to her and it’s my fault. That she knew my mental health was bad which is why she felt she had to lend the money but she feels she shouldn’t have and that I blackmailed her. When I explained that I hadn’t mentioned my mental health when asking, so I don’t feel I blackmailed her, she said well ‘you’re always going on about your mental health’ and ‘My friend was there when you called and asked for the money and she was absolutely disgusted by it’. She then went on to say asking to borrow money is not putting my DS first and I’m not even trying to do anything about my financial situation. I said I am working every night and she said well that doesn’t help right this moment, does it? She then went on to say she was sick of me talking about my mental health and that I blamed everything on my mental health. When I asked her what exactly, she just said ‘your whole life’.

She then said she’s done talking to me and hung up.

I do talk to her about my mental health but only when she can see I’m feeling low and asks. She told me if I do need to talk to anyone about it only talk to her because if I tell my health visitor/perinatal team when it gets bad they might take DS off me.

She also said she now can’t pay her £5,000 tax bill because of me.

I then got texts afterwards asking what would happen about her seeing DS now, as if she doesn’t want anything to do with me?

Fair enough I shouldn’t have asked for the money. I was due payment yesterday but it never came. I have chased and added a late fee. But I can pay her back on Saturday as I stated when asking to borrow.

She now won’t speak to me and I feel like I’m failing even more. I have apologised but it hasn’t changed anything.

I know, I’m pitying myself right now and probably haven’t made a lot of sense. I’m writing this while taking it all in so heads a bit all over the place. Sorry

OP posts:
Fink · 02/09/2020 19:01

Others have already given a lot of good advice about your Mum. I'll just say that I was in the same position regarding PND (though thankfully nothing to do with my lovely Mum). I was terrified to speak to any professionals about it because I was convinced they would take my baby into care because I wasn't coping. And it got into a horrible spiral where the worse I felt, the less I felt I could admit to it. When I was eventually persuaded to speak to my HV and GP they couldn't have been more helpful and there was definitely never any threat of baby being taken away. I''ve since become friends with a couple of social workers and they assure me that SS are absolutely not going to take away babies from mums with PND.

krustykittens · 02/09/2020 19:01

OP, I back every other poster, your mother is vile! I have no doubt she is the source of some of your MH problems. NO ONE will take your baby away if you ask for help, so get some and feel better, quicker. Don't be afraid. Pay your mother back and ignore her from now on, she will just find something else to beat you over the head with, like not being able to hold your son. Ridiculous woman. Any normal parent would have acknowledged you were struggling, paid the fucking vet bill, given you a kiss and cuddle and told you not to worry about it! Ignore the PP wh said you didn't deserve your cat, this is a blip in finances and a bad time to have an emergency but it can't be helped. If you have a good relationship with your vets, they might give you time to pay in future. But do talk to someone and start to feel better soon. x

Crimblecrumble1990 · 02/09/2020 19:02

I find this post really confusing as I just can't understand how anyone would react like that.

You sound lovely and sensible and I'm so sorry your mother is treating you like this. To be honest I would pay it back and then have nothing to do with them.

BronwenFrideswide · 02/09/2020 19:02

@greymauve

Also if anyone has any advice - what will happen if I tell my GP/perinatal team I am struggling? I have been telling them things are ok because I don’t want them to take DS away. If they find out I’ve been lying will they take him? I called Samaritans at 11pm last night and it was a man who picked up and he said he couldn’t help because he doesn’t know about PND.
Your mother is lying greymauve they will NOT take your ds away and it is horrendous and unforgivable that she said this to you. The GP/Perinatal Team will help you and support you, please don't be afraid about talking to them.

As for your opening post, your mother is an absolute horror and your life,and that of your dp and ds will be far, far better without her in it.

I would feel I'd failed as a parent if my children couldn't ask me for financial help in the circumstances you've described and I've give them my last penny and live on cold baked beans if I had to.

I'm sorry you are struggling and are left without support from those who should be first in line to help you.Flowers

MitziK · 02/09/2020 19:02

Are you the poster who posted recently about spending £4-500 a month on private therapy and had an income of £2700 a month minimum with outgoings of around £1800?

If you are, that could be the reason why she's pissed off at subbing you for the cat.

www.mumsnet.com/Talk/am_i_being_unreasonable/3992018-I-am-financially-screwed-I-really-need-advice

How much did you get for your partner's car in the end, as you aren't driving the one you bought on finance?

Graphista · 02/09/2020 19:03

Repay the loan as soon as you can - then tell both parents to fuck right off!

She’s behaved appallingly! I’m all for adult children being independent and responsible BUT we ALL need help and support at difficult times which you are going through.

Also speaking as someone with serious mental illness who’s raised a dd while being so ill IGNORE her BULLSHIT about not telling professionals when you’re really struggling - they WON’T take your child off you just for that! She’s talking out her arse!

I’m willing to bet they’re a big part of WHY you’re struggling! I strongly suspect if you went nc you’d be doing better!

Stay away from the toxic old bat, and keep your DS away too.

Could not agree more!

She sounds a fucking nightmare!

To be honest, and speaking from experience, shitty parents tend to make shitty grandparents anyway!

what will happen if I tell my GP/perinatal team I am struggling? I have been telling them things are ok because I don’t want them to take DS away. If they find out I’ve been lying will they take him?

They will put you in touch with the appropriate people and tools to support you.

Just so you’re not blindsided I will say that may include a referral to social services BUT that is not to have your child taken away but to give your family the support you need at this time.

I had exactly the same fears and as a result didn’t ask for help until I was in crisis, I almost didn’t let the social worker in! She was extremely patient and kind, and reassured me she wasn’t there to take dd - and I was a single mum with no support network!

She assessed our situation, not only saw that dd was well cared for but did a lot to reassure me that I was not a terrible mum.

My house was a TIP! Mainly due to hoarding issues, I wasn’t cooking at the time (I have ocd and one of the things I struggle with is safety with cooking, I was obsessing over food safety, using sharp knives etc) so frankly at the time we were living on McDonald’s, takeaways, micro meals and ASDA cafe! I was “supplementing” with fresh fruit, raw veggies and smoothies as snacks as a nod to “healthy” eating, I’d bought dd “extra” school uniform so I had less laundry to do, dds room was the only tidy one!

But she reassured me - dd was clean, well, warm, fed and attending school, to give myself a break and stop trying to be the “perfect” mum

She also made several comments that she regularly saw children being much less well cared for and they were still with their families too.

She explained her job wasn’t “child snatcher” but to support families at times of difficulty to improve things.

I only saw her once after that as she was satisfied that as a parent I was doing fine.

The crisis team stayed with me for around 6 weeks seeing me every day, literally walking me into a shower, standing next to me watching me wash dishes, cook etc in order to reassure me that I’d not done anything that would cause food poisoning or anything, monitoring my response to meds, building my confidence - and I was struggling with REALLY basic things like using a cash machine or choosing which tin of beans to buy!

Post natal mental illness is SO COMMON I PROMISE you the chances that you will be telling them ANYTHING they haven’t heard a million times before - and much worse! Is infinitesimally small!

I also speak as an ex hcp, and while I didn’t work in mh I did of course do rotations in training and believe me they really are unshockable!

I’ve known of mums afraid they’ll put the baby in the oven, forget they’ve left them in the car etc MANY think they’re “terrible mums” and they’ve all been supported to overcome those issues and be great mums.

PLEASE seek the help you need, I really truly believe it will be the best decision you could make.

Oh and Samaritans are SHIT in my experience! I’ve called them numerous times when nobody else was available to speak to and they made me feel worse every damn time! There was even a thread on here a few months back where I discovered quite a few others had a similar experience with them.

I’ve found anxiety Uk and family lives/Parentline incredibly helpful

From googling I’ve found

https://pandasfoundation.org.uk

But I haven’t used them myself

Talk on here too, this is such a common experience for women there will be women on here who’ve had and recovered from post natal mental illness.

Regarding illness/disability - please get good advice on this also. I am also disabled plus the mental illness, currently unemployed as a result and I get Esa and pip.

I always use my local welfare advice office who are really well informed (and I don’t just mean one office I’m on my 3rd different location), you might be able to claim pip, and maybe even equivalent of Esa even while working as you can do permitted work on Esa, I’m not entirely sure of the rules with UC and as advised I am resisting being moved to uc for as long as possible.

The forms and claim process is a pain but worth it, but I would always advise not to try it alone as the forms and system are designed to limit successful claims.

I suspect when you tried to claim uc before you didn’t include all the info you should have.

Wishing you so much luck and good health as you go forward. Thanks

TheGirlWithAPrince · 02/09/2020 19:03

my mums just paid £3000 for me to have surgery....

and would pay me every penny she had if i asked or needed : /

Its what loving parents do surely, i would never let my children go without no matter what age they were

WhatamessIgotinto · 02/09/2020 19:04

OP, I have never once suggested that a poster go no contact with a member of their family but, genuinely, this could be the best thing for you and your mental health. She sounds absolutely awful and I can't see how having her in your life will benefit you in any way whatsoever and I certainly wouldn't want that kind of toxic behaviour around my child either. Pay her the money back asap and then I would honestly leave her to it. Don't let her keep dragging you down.

Babyroobs · 02/09/2020 19:04

Sounds to me like she's probably stressed about money herself, especially if she isn't generally like this. It does sound like there's some resentment built up there also though.

forrestgreen · 02/09/2020 19:04

Was it your mum who said they'd take the baby away?
Think about the logic, it costs a ridiculous amount of money to keep children in care. Some ch are treated horribly and don't meet that threshold.

Would you like to share on here what you're struggling with?
Because if your baby is loved, fed, sleeps and is mentally stimulated then you're doing a great job. You might be struggling mentally but it sounds like you're doing well practically.
Get the help that's there, talk to someone sympathetic.
And seriously block your mum for a few weeks (or longer) she's bat crap crazy.

Dilbertian · 02/09/2020 19:04

*She told me if I do need to talk to anyone about it only talk to her because if I tell my health visitor/perinatal team when it gets bad they might take DS off me.
*
Big red flag. Hugely controlling and isolating you from the systems that exist to support you.

PND is extremely common. I have had nothing but support from HVs, perinatal team and GP regarding PND. And because they knew I had had PND with dc1, plans were already in position to support me as I reached the end of my pregnancy with dc2.

So, while I can't comment on how to deal with your toxic mother, please be assured that what she has told you is not true. Please speak openly to your HV and get the genuine, unconditional support you deserve.

GarlicSoup · 02/09/2020 19:04

@Therealjudgejudy

Your mum is crazy.

You poor love Flowers

^ This Flowers

Hope your cat is recovering.

WhatamessIgotinto · 02/09/2020 19:04

@TheGirlWithAPrince

my mums just paid £3000 for me to have surgery....

and would pay me every penny she had if i asked or needed : /

Its what loving parents do surely, i would never let my children go without no matter what age they were

Yep. It is.
clarepetal · 02/09/2020 19:05

Sounds like you are doing everything you can, working incredibly hard under harsh circumstances. Your mum sounds like an evil witch. Sorry to sound harsh, but your story has made me so cross!Your not remotely out of order at all Daffodil

oakleaffy · 02/09/2020 19:06

@Chairbear

I had to re read it as I cannot imagine anyone making such a fuss about £150, it's like you asked for thousands. It sounds like you're doing amazing to be honest, sorry if that sounds condescending; but having a baby is hard, going back to work is hard, struggling with your MH is hard, and doing all of those things during a pandemic is even harder.
Same...I was expecting a wedge, like £5k at least. Someone fussing over £150? Their own daughter?...And it was for vet's fees, hardly for something frivolous.
SouthWestLolly · 02/09/2020 19:07

Pay her back asap and start reducing contact. Mad as a box of frogs.

SleepingStandingUp · 02/09/2020 19:08

@greymauve

Also if anyone has any advice - what will happen if I tell my GP/perinatal team I am struggling? I have been telling them things are ok because I don’t want them to take DS away. If they find out I’ve been lying will they take him? I called Samaritans at 11pm last night and it was a man who picked up and he said he couldn’t help because he doesn’t know about PND.
Well he's a shot Samaritan, were meant to ask how your feeling etc, not pretend to be specialists in your issues. They're not am that bad.

They won't take baby just because you're struggling and actually being honest and cutting out your Mom may well help. If you had thoughts about hiring him then they would obviously be different but don't forget you've also got Dad there to help

TheDoctorDances · 02/09/2020 19:10

Could you get a credit card for future emergencies? You sound like you’re normally quite savvy with money and wouldn’t just spend willy nilly.

I have a credit card I keep in a tub of water in the freezer (so I can’t get to it unless I have to), my cat had a £1400 emergency bill last year after an accident.

oakleaffy · 02/09/2020 19:10

She told me if I do need to talk to anyone about it only talk to her because if I tell my health visitor/perinatal team when it gets bad they might take DS off me

Bloody Hell Fire! What mother says that to her own daughter?
It's not like you are smoking crack or getting paralytic on booze-
Your mum sounds like a bit of a 'mare to be honest..How horrible for you- Don't listen to her nonsense @greymauve.

Dilbertian · 02/09/2020 19:10

what will happen if I tell my GP/perinatal team I am struggling?

They will listen compassionately to you. They will ask you a few questions, probably including questions about whether you have thought about harming yourself or your baby. They will respond neutrally and without being judgemental. They will ask you to fill out a questionnaire to give a brief assessment of your mental health. They will refer you to the appropriate agencies. They may invite you to come and see them again the following week.

Please be honest with them so that they can help you.

Pringlemonster · 02/09/2020 19:12

Fucking hell
Your mum is a loon
I’ve a daughter your age ,I’d be proud of you if you were my child ,your doing amazingly well .i expect your poor mental health is in part down to lack of support from family ..
Your mum should be ashamed

Littleposh · 02/09/2020 19:18

Firstly, that was a complete over reaction from your mum and totally uncalled for.

Second, Universal Credit is based on the amount you have actually received that month so you need to tell them the actual physical amount of money you have been paid, not what you are expecting

Carbonarawprawns · 02/09/2020 19:20

Your mum sounds like a very cruel and spiteful woman, I could never treat either of my children the way she has you.

I just wanted to echo others above and say you are extremely resilient and inspiring. How you've managed to juggle everything that you have been, on top of a pandemic, is incredible.

Please don't be scared of asking for help for your MH. I had a nervous breakdown with PTSD and PND after the birth of my youngest and held off asking for help because I thought SS would whisk my children off into care.

I didn't even appear on their radar.

My GP and health visitor were brilliant and i was fast tracked for EMDR therapy which brought me back to relative normality, over time the PND lessened too and I'm doing great now.

You sound like a genuinely good person OP, in spite of the woman who raised you who is clearly unhinged.

All the best x

oakleaffy · 02/09/2020 19:21

@greymauve

Also if anyone has any advice - what will happen if I tell my GP/perinatal team I am struggling? I have been telling them things are ok because I don’t want them to take DS away. If they find out I’ve been lying will they take him? I called Samaritans at 11pm last night and it was a man who picked up and he said he couldn’t help because he doesn’t know about PND.
@greymauve I felt all at sea after DS was born {no help from anyone as we'd moved 120 miles away because of affordable housing} I was scared to tell my Health visitor how scared I was, and how out of control I felt... She was so kind, and truly, they did all they can to help and support you.. Don't be afraid to confide in a trusted health worker.

You are probably exhausted- having a new baby is exhausting- plus working too... You aren't alone in feeling 'aaarrrgggh'.

WhatamessIgotinto · 02/09/2020 19:22

@Dilbertian

what will happen if I tell my GP/perinatal team I am struggling?

They will listen compassionately to you. They will ask you a few questions, probably including questions about whether you have thought about harming yourself or your baby. They will respond neutrally and without being judgemental. They will ask you to fill out a questionnaire to give a brief assessment of your mental health. They will refer you to the appropriate agencies. They may invite you to come and see them again the following week.

Please be honest with them so that they can help you.

This a million times over! They will not take your baby away from you because you are struggling with your mental health.