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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Parents taking out a loan for a sibling

109 replies

Belice9222 · 04/03/2021 04:54

Hey all, I found out by an accident( my father has asked me to check his email in the past and I was still logged onto his email in an old phone I switched on), so a popup came that the solicitors fees need to be paid for and they are set to purchase a house for 18900,my parents claim my brother will pay for the loan payments, even my father has instructed my mother having to pay 3k for the admin fees for the loan. We have had many arguments in the past over them preferring my brother, quick back story- I moved out to another country at 17, they did already back then more for my brother, he didn't do well in one school he got sent to another, I got put into the school he left I was bullied by the teachers and when I asked to move to my granny in another town my mum said no we don't have money, my parents paid for 8 years of uni for my brother, for his apartment in the uni city, it was privately rented not student accommodation that wasn't good enough, paid for his driving licence, leased a cars for him he never took bus or train, my brother has messed up a few times my parents have had to pay victim off and for the solicitors fees... None of this for me. One thing they have I've rme, when I was in teens and underage my dad's company got into difficulties and to stop the gov taking our family home it got signed to my name as my brother was too old, 4 years ago they suddenly started harassing me to sign the land back to them or disown me, I was like if u are ready to disown me why would I give you the land back what's stopping you disowning me when I sign it back, result was they said don't ever contact us again if you are lucky you get a funeral invite one day.. Over the time I made contact to check on them and eventually we were back on speaking terms but I have and won't forget this, I have never caused them anything,even 2 days ago whe. I got upset at them taking 189k loan out for my brother my mum claimed I stole her naked of her jewellery, I was 17 when I left home and took a ring that was too small for my mum and a necklace that reminded me of her and a t shirt of my dad's, I didn't know if I was ever going to see them and all I took was rucksack with my things beside this, no cash from their wallets or anything else of theirs. It took them 8 years to visit me and that too got thrown at me, how I should have paid for their flights even I was not working and also had a baby. They babysit my brothers childreb every week, take them to doctors, they are sometimes at my parents place 7 days in row, go home for one then back again etc. The loan, my brother and his wife work, 2 kids, business that does well, new apartment bought into 8 years ago, for some reason they have asked my parents to take a loan out for a new build for them, my situation, my husband works full time I'm stay at home mum and have 4 little kids, I would like to start to build an extension but we are waiting until our car loan ends in 2 years,I have never even thought to ask my parents to take a loan out for me, especially nearly 200k when they have no savings and they are not the best in looking after their health.

I am really disappointed my parents didn't even involve me in their plan, yes it's their money but they know how I feel about the past, they tell me to get over it or I make it up but the facts are, they have held my brothers hand through his life, paid for him to set up his business, get a car, driving licence, go to uni which he failed after 8 years etc. None of this for me, the house loan is a joke on the paper my brother is a perfect candidate for a mortgage what is he up to. Anyways, am I being unreasonable, my mum tells me to get some help, as an insult and my father said its none of my business. My father can say that yes but he has made the gap between me and my brother even bigger. (Oh my brother 4 years ago when I refused to sign over the land, also told me that no one in this world cares about me, I should go crawl back under a rock, he dosent care where I am or what do I do and poked a few jokes over my disabled daughter and told me my husband will divorce me, that my husband controls me etc-could not be more wrong anyone who knows us laughs how my husband is "under my slipper", he dosent mind :), what he said about my child was unforgivable and uncalled for, still, he has not even attempted to say sorry for 4 years, my parents said he is too busy working and stressed and for me to let it go.

I sent both my parents a message in a neutral tone and not in a stroppy way, to buy me out of half of the land they want back, so they can pass it on and not worry I steal my brothers part, the land is originally from my dad's grandparents. They live in a house on that land, get rental from the fields but use it as if I get something out of it, even the reason for the loan they said its a house for your brother as he got nothing from us, you have a house in.. - I'm like hold on, my brother gets a house, you live for free in a house get income from the fields, I'm expected to share the land one day but my brother keeps his house, oh and they have put land from my other grandma on my brothers name.

Sorry for the messy wall of text, if anyone made any sense out of it.. Am I wrong to feel wronged and upset? I have never asked them for anything, they never offered things that my brother got, I just at the time listened my mum cry because to support my brother to pay for his car, apartment and uni fees they went short on money, even I was unemployed my husband loaned them, latest one was perhaps 6 months ago to help them carry over to payday.

OP posts:
Belice9222 · 04/03/2021 07:39

I'm just going to add this, I didn't claim benefits when I came to the UK, my boyfriend now my husband took care of us until I got a job.

OP posts:
Lochmorlich · 04/03/2021 07:42

Forget the jewellery. I would have been so worried about my 17 year old the jewellery would be the last thing on my mind.
Your parents don't like you very much, they do not have your best interest at heart.
Expect nothing and move on.

Pixxie7 · 04/03/2021 07:45

As your children get older their needs and circumstances change as do your responsibilities. It’s not necessarily treating anyone differently it’s more to do with helping them as and when they need it.

Lochmorlich · 04/03/2021 07:48

@Pixxie7 really?
Telling one dc you're broke whilst loaning the other £189k.
That's pure deceit in my book.

honeylulu · 04/03/2021 07:50

Sadly I think LC/NC is the only option. You will never change their mindset and they will always see your brother through rose tinted spectacles.

In one sense they do know they have been unfair because they deliberately kept the loan thing from you. (Some might say none of your business but I'd you've been helping them with work, giving them money and gifts because they're pleading poverty then they are enmeshing you into their finances. ) But they will kid themselves that the reason they didn't tell you is because you would be "so difficult about it". Seen this all before in my family and my husband's. We are both scapegoat children - would you guess? Lol.

man up and have a son what a vile thing to say!

PurpleBiro21 · 04/03/2021 07:56

You won’t change them. They don’t respect you, don’t care about you and use you.

Easiest thing to protect yourself is to detach by going low/no contact.

That way what you don’t know about won’t bother you.

And keep the land.

Pixxie7 · 04/03/2021 08:02

I get what your saying and would probably feel the same, however I don’t think you should think carefully before disowning people.

MummytoCSJH · 04/03/2021 08:02

Keep the land, go low or no contact. I'm sorry to be blunt OP but they don't care about you or your feelings, they care about your brother and it sounds like they will trample all over you to give him anything he wants. I would draw up a formal rental agreement and if they don't sign this evict them. You need to do what's best for you. I doubt they would be doing the same kind things you are doing for them if it were the other way around.

JourneyToThePlacentaOfTheEarth · 04/03/2021 08:03

*Sahm101

Op I'm not sure if you have the strength for this option but I would not sign it over to them. Listen op, they haven't just treated you unfairly your entire life they have emotionally abused you. They have raised you as the black sheep, scapegoat in the family. And signing the land to you was them using you. They have no relationship with you, so what do you have to lose? Keep the land and secure your future. They have no intention of doing anything to help you, no loans, no support nothing. So do what suits YOU best. And how fucking dare they insult your dd. For that alone, keep the land for her future.*

This. Exactly this.

MummytoCSJH · 04/03/2021 08:03

Also, it doesn't matter if they only signed it over to you because they would've lost everything. It's yours now. Not theirs, not half your brothers. You can do whatever you want with it.

Emeraldshamrock · 04/03/2021 08:07

It is not nice nor fair. IME of this situation when one DC gets more is usually as they haven't grown-up properly they need extra support for whatever reason sometimes undiagnosed MH.
You are the one they are proud of, you don't worry them about your future, it is sad he isn't the same as you.
It is a very common situation.
Try see it from there P.o.v all parents want is their to be sufficient so they can die eventually in peace.

MrsClatterbuck · 04/03/2021 08:09

@Emeraldshamrock

It is not nice nor fair. IME of this situation when one DC gets more is usually as they haven't grown-up properly they need extra support for whatever reason sometimes undiagnosed MH. You are the one they are proud of, you don't worry them about your future, it is sad he isn't the same as you. It is a very common situation. Try see it from there P.o.v all parents want is their to be sufficient so they can die eventually in peace.
HmmConfused
Belice9222 · 04/03/2021 08:21

Emerald what's undiagnosed MH? My brothers actions have always been excused by my parents as, he knocked his head against the bin when he was little, so he has a mental problem in my parents opinion .. Of some sort- yet.. When I was 7 my dad took us for a drive in a rally car, if anyone has seen inside a rally car it has 4 seats, between the seats empty space and lots of metal pipes to support the construction of the car, my dad, his friend were in the seats belted in, my brother and his friend were in the seats belted in, I was sitting on the floor between the seats, not belted in. Our car got hit by the side flipped 3 times, I ended up only one injured, broken collarbone and crack on my skull and head needed sewing, I still has anxieties when I'm in the car and doing speeds, my dad's answer to this when I asked him to slow down as I was getting an anxiety attack, you STILL have a problem? And that I need to get over it. Has anyone ever figured out what makes a parent to prefer one child over another? Nevermind how much I think about it I can't make sense because it started already in the childhood,my mum leaving me behind in places, I walked like 20metres behind her as I supposedly embarrassing. You are ruthless here, advising me to make a rental contract, honestly I don't think I can do this it still hurts a bit when they call me unfit daughter and they have a bad job raising me, I can just hear those words again.

OP posts:
ZorbaTheHoarder · 04/03/2021 08:30

Hi OP,

I'm sorry you have such useless and cruel parents.
It's clear that they have always been like this and that they will never change.
I think, as others have said, you have to look after your own interests and not engage with them at all.
You did nothing wrong as a young girl to be treated the way they treated you. They are toxic and you owe it to yourself and your daughter not to let them affect you any more.

Good luck and don't give in to them!

Emeraldshamrock · 04/03/2021 08:38

@Belice9222 I don't agree with them it is unfair it happens in families the independent DC gets shafted in comparison to the not so independent DC.
My aunt left the family home to her DS who has been like a toddler his entire life his siblings got nothing because they have a mortgage.
It sucks.

honeylulu · 04/03/2021 08:51

Has anyone ever figured out what makes a parent to prefer one child over another

I wish I knew the answer. It just happens. I've spent a lifetime trying to please my parents and they still seem to think I'm a waste of space while my sister can do no wrong even though she has behaved terribly over the years. I've given up trying now. I'm 46. My sister was just somehow the daughter they wanted. I'm not and I'm surplus to requirements; my children too.

The rally car story is terrifying! You weren't even strapped in! Your father is an irresponsible arsehole!

7yo7yo · 04/03/2021 08:55

Don’t give them shit. Block contact and have nothing more to do with them. And keep the land. It’s compensation for all the years of emotional abuse you’ve suffered. They are shit parents. It’s not you it’s them.

Lochmorlich · 04/03/2021 08:57

Well if your df thought leaving you without a seat belt in a rally car was ok then he's an idiot or worse.
The more you write the more I think you should keep the land but stop all contact.

mummywantstobeslim · 04/03/2021 08:58

It's hard to read but I think I get the idea. Too much drama for me or anybody just take a step back and let them get ok with it. They all sound like such boring miserable individuals

Fifthtimelucky · 04/03/2021 09:00

Your parents sound awful - and yes that rallying story is horrendous.

Definitely keep the land. As that it was a gift of convenience - and I imagine they would have given it to your brother if they could have done - I think in normal circumstances you might have had a moral obligation to share it with your brother when your parents die.

Given what else they have done for your brother, you should keep the lot - unless of course he plans to share everything he has had from them with you.

Jaffajam · 04/03/2021 09:00

OP your walls of text are very difficult to read.

Andwereback · 04/03/2021 09:14

Do you have the deeds for the land. Are you sure they haven't forged your signature to get the land back as collateral to get the loan for your brother?

SugarfreeBlitz · 04/03/2021 09:16

So sorry OP Flowers

I recently found out that my parents bankrolled a sibling to buy property (and also repair it) I was devastated as they have done similar for my other sibling and nothing for me. I tell you what though- my siblings are terrorised by my parents and do everything they say (including bullying me)

I think you would be best off cutting your losses, going extremely low contact (duty only) and do not trust them with anything. Some families prioritise "the boy". My family is like this. It is not you. It is not about you. It has never been about you. It is about them and their wierd abusive ways. My family actually gave things of mine to my brother and even as an adult expected me to even though he is very wealthy. Stand your ground! Get counselling if you need to.

OverTheRainbow88 · 04/03/2021 09:20

@SugarfreeBlitz

My family have done this but have made it clear it will be evened out in their will, it’s just one sibling needs it more right now than the rest of us and they can’t afford to help us all out right now. Hopefully yours will even out more later on as well

Belice9222 · 04/03/2021 09:26

I think I need to look into this, where I come from we have ID cards and in the government land registry its me who's the owner of that land but saying that I don't know where the paperwork is. Think it's time for me to start to take interest in it. when I was 18 visiting they asked me to sign a document allowing my mum to sign on my behalf, I asked her to stop using it in an email a few years ago when they took a loan out on the land without telling me, I found out by an automated message. I would not put it past them to use tho

OP posts:
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