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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:
SugarfreeBlitz · 04/03/2021 17:44

@Belice9222 I just read the bit about your parents not asking how you were when you got sepsis and am so sorry for you. You deserve so much better. I have had exactly the same thing and almost died twice. Every time I am ill, my parents get my siblings to bully me.

If you haven't already, please ring the CAB for legal advice and get some counselling too so you can stand your ground better. Flowers
My parents also favour "the boy", my brother and think he should get everything. It's not you, it's them.

Belice9222 · 04/03/2021 18:03

I contacted a solicitor in my homeland they have also offices in the UK so they should know what to do best and know the law in both countries. I am now slightly concerned if they have paid tax on it, as the guy who rents the fields is a long time family friend and my parents are not best with financial dealings,hence that's why they were about to loose the source of argument and did loose a new build, as it had mortgage out in it and could not be signed over to me.

I am not sure why people are so stuck on the jewellery, it wasn't a treasure chest I took along, a ring she had given me and 2 cheap gold necklaces, sort you pick up from argos, if I transferred her 100eur now it would pay for both but I send them back and if she wants I gift her 100eur for damages. It would be too long story but these necklaces are peanuts compared to what I have gifted my mother over the years trying to be in her favour as much as my brother, I gifted her Canon camera as she was depressed, I thought she might want to go out take photosshe gave it to my brother , I gifted her laptop, so I could keep in touch with her, I saw a cute color changing kettle in a shop, I sent it to her thought she might like it, what did she do, gave it to my brother to go along with his new apartment that they were paying rent for,i sent them gifts at times including my brother, best one was, when me and my brother agreed that he would get best pc in the UK for his money, my husband bought it, we paid for postage to my brother in another country, insured, we were OK with taking on postage fee as we added some stuff for my mum and he agreed to pay pc cost, it took him 2 years to pay back and 4 years later my dad brings it up saying why did I blackmail my brother, I was like what are you talking about, blackmail him paying you 700eur for a computer - I was like have you lost your mind, that computer was for him, he saw the price on the website, I didn't charge interest, why would my husband have to pay 700eur for a computer for my brother? (we had a few month old baby then I wasn't working either) So let's move on from the necklace and thief bit they will be in the post this week, no harm done,if my mum really wanted them back she could have had them anytime she visited me,as she knew they were here with me or just asked me to return them anytime.

I think I should have come to this forum sooner, I indeed have to choose my words very carefully with the solicitors, don't think I can question my parents they will tell me to mind my own business even it is business if it lands me in trouble.

And yes my brother has land in a in demand area 100 percent, his wife told me the day they went to sign it over from grandma and my mum has told me too that he owns the land there now.

Rainy I don't know how temporary it was meant to be, over the years my brother and dad and mum through marriage, have been in trouble where the land and house would have been at risk again, there was never a suitable time when they could have asked it back as it has been safe with me, I have no loans on my name,pay bills in time etc mortgage and car loan on husbands name. I don't think, if I signed the land over at 18 or at any point they/we would still have it, my dad is bad in business trusts wrong people and dosent learn from his mistakes, he signs costly deals that he ends up loosing without even discussing it with my mum, my brother dosent fall far from the tree, put it that way, I think my dad's solicitor has a lexus and half a new build by now, bought with the income by my dad and brother.

OP posts:
Belice9222 · 04/03/2021 18:11

Sugar free you made me laugh out loud, my parents call my brother "the boy" too, even he is nearing his 40s :)

And as for siblings bullying, again the same, I was pregnant at the time and I'm high risk for multiple reasons seeing obbefore conception as soon as I get positive test I'm at the hospital at an appointment, when my brother started spamming me with texts about how no one wants to know me in this world and don't care where I am, I was told to be on full bed rest as I was at a risk of miscarriage, I told my parents about me bleeding, their reply was:why are you whining, it's your own fault for getting pregnant. - result of this pregnancy I thank heaven/earth/luck is next to me right now :)

OP posts:
SugarfreeBlitz · 04/03/2021 18:13

My mother also gives away gifts! Shock It's basically a waste of time making the effort, but I've only just realised that reading your post.

So sorry to hear all of that. Some mothers only favour their sons. There was another post on here www.mumsnet.com/Talk/_chat/4180280-Things-you-do-that-your-Mother-doesnt-approve-of-thinks-are-unladylike?msgid=105245905#105245905 and there's a few posts on there about Mums favouring "the man". It's an old fashioned thing and it's not right but we probably can't change them and can only change the way we deal with them.

angieloumc · 04/03/2021 18:28

Nobody is stuck on the jewellery, at first you said you'd taken the ring, now she gave you it. It really doesn't matter about the value.
I feel for you, I really do, it must be very hard that your parents favour your brother. However there's nothing you can do about it. You really would be best going no contact, like I said before, for your own peace of mind, as this is clearly tying you up in knots.

Belice9222 · 04/03/2021 18:31

Thanks sugar I will have a look at the link, sorry I'm saying this, I am not glad that you are in the same situation but its good to hear I'm not the only one :) I don't get the passing on gift too at the same time can't say anything like hey I wanted to you enjoy it, as its a gift, so I ended up telling myself if it made my mum happy gifting it to my brother so be it, I kind of, made her feel happy and that's all I wanted to get out of it.

OP posts:
SugarfreeBlitz · 04/03/2021 23:13

@Belice9222 you're a kind person! I know what you mean as I've felt the same on many other posts. I think also, there's a relief that comes from finally being heard and validated by people who have been there and will corroborate that it's not you, it's them. Flowers

GrumpyHoonMain · 04/03/2021 23:19

In some countries you lose ownership over farmland when you leave the country, so it’s a good idea to check it you still own it.

Twoforthree · 04/03/2021 23:55

If you gave permission for them to act on your behalf, I should imagine they've sorted out in their favour by now.

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