Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Inheritance issues causing a massive tension in the family.

999 replies

ThornAmongstRoses · 22/03/2021 10:39

My DH and his sister have no relationship with each other. It’s not that they actively dislike each other, it’s more that there’s just nothing there, just total indifference. They may see each other yearly at a family get together or something but there’s no contact in between those times, not even a text message here and there.

My FIL lives relatively close to us so is very involved in our lives (no problem at all, he’s a lovely man) and since he lost his wife (DH’s mum) just over 4 years ago we’ve taken him even more into our fold to ensure he doesn’t get lonely.

We live near the Midlands and DH’s sister and family live near Skegness. His sister comes down about once a year to see her dad and will stay for about a week with her partner and their children. FIL doesn’t go and stay with them though as with their two young children, and the fact the house is quite small, there’s isn’t really any room to accommodate FIL for any period of time.

Anyway, FIL has always said that when he passes away he would want his property sold and split 50:50 between DH and SIL.

However, last week he dropped a bombshell that he’s sold his house and is moving up to Skegness and will be having a Granny Annexe type Cabin built in SIL’s garden for him to live in.

We have seen the brochure for the Cabins and they are beautiful and cost about £100k to £130k depending on size and style.

We asked how on earth he would fit one in SIL’s garden as they only have a small garden and FIL told us that SIL is going to sell her house, and then he (FIL) is going to give SIL £90k from the sale of his own house and his contribution will allow for a mortgage big enough to her to buy a larger house with a big enough garden for his Cabin to be built in.

FIL’s house has already been sold for £250k and has said he will give £25k to my DH. The remainder will be used to give £90k to SIL (so she can buy a bigger house) and then the cost of building the Cabin.

SIL is waiting to start a new job which will enable them to pay the increased mortgage payments on whichever house they buy, compared to the payments they have for their current house.

My DH is quite upset as not only is SIL being given £90k, she will then also have a much larger house to show for it, and after FIL’s passing, a nice £120k accommodation in the back garden which will no doubt add a lot of value to her property.

DH is more upset as the 50% inheritance that was earmarked for him was mainly going to be for our children as we were going to put it into a university fund for them to use when they’re older.

FIL has also asked if he can come and live with us whilst everything “at the other end” gets sorted, which we have already said yes to.

FIL has got to leave his house at the end of April and has told us he’ll probably only be with us for a few months, but SIL hasn’t even started looking for a house yet, never mind the two months it takes to build the Cabin when the house has been bought.

It’s all such a mess.

There’s underlying tension brewing and I’m worried it’s going to cause a huge fracture in DH’s and FIL’s relationship and also that DH’s and SIL’s relationship will go from one of apathy to one of rivalry.

Are inheritance discrepancies a typical cause of family feuds? Is DH right to be feeling a bit irked by it?

Rather than the £125k that was supposed to be his fair share, he’s now getting £25k out of the whole £250k and everything else, in effect, is going to SIL.

OP posts:
CaraherEIL · 22/03/2021 14:05

Of if they are really close could your DH not just say to his dad that he thinks it’s a bad idea and offer to go and look at a smaller place nearer to your house. You can buy a static caravan in Skegness currently for about £75k so he could buy a small flat and live locally to you and still have lengthy holidays in Skegness to see his daughter and other grandchildren. He has the opportunity to do great exciting things with his house sale rather than basically having no private assets left at 65.

NeedToGetOuttaHere · 22/03/2021 14:07

I think it’s a real worry to sell a property and not to use the money to buy another one.
My friends DF did do this, he moved in with my friend and she provides all his care as he is older and can’t manage on his own. But for a healthy 65 year old to do it I think it’s strange. It’s a really odd set up too.

puppychaos · 22/03/2021 14:08

Oh my goodness your FIL is getting completely shafted by your SIL. I really hope you and your DH manage to talk to him before it's too late - never mind the inheritance, he's putting himself at a huge risk Sad

If your SIL's partner makes his life a misery and he wants to leave, he would have lost all his money and will have nowhere to go. That's completely miserable, and really quite awful for your SIL to pressure him into that.

BakeOffRewatch · 22/03/2021 14:08

@ThornAmongstRoses have read your replies but not RTFT so sorry if this has been said before.

You say SIL’s OH isn’t very nice, he gets to live in this house that’s come by only by her dad’s money. What stuck out to me is how little contact she usually has yet this happens. I think her OH applied pressure on her to acquire the cash. He probably needed a certain amount and saw this as an easy way, no thought for care fees like you have. I bet once they have proceeds (hence the extremely quick sale rather than waiting for best price) it’ll become “impossible” for the cabin and your FIL will be left with you where he’s already “settled so why would you move him?”.

Sorry really negative post!

NeedToGetOuttaHere · 22/03/2021 14:09

Or what if the SIL splits up with her partner and has to sell the new biggger house?

ShellieEllie · 22/03/2021 14:09

Has your husband shared with FIL how much he would miss him?

I would definitely second FIL getting proper legal advice and if he is still set on moving to Skegness after that then suggest he rent for a while to make sure it's the place he wants to spend the rest of his life.

Twoforthree · 22/03/2021 14:10

You can chat to him without him thinking you are trying to change his mind. You can be excited for his move but also get him to question the financial, emotional and practical aspects.

Ask him if he'll miss the Saturday afternoon sports with dh, as dh will certainly miss them. Etc Let him know you'll miss him but that if that's what he wants you'll be happy for him, as long as he goes into the decision with his eyes open.

You can ask things on a concerned way, without making it about the inheritance at all. As long as he knows it's his decision at the end of the day, there is no harm talking things through and discussing the pros and cons. This thread had made you consider issues you hadn't even thought of. Your fil needs a sounding board to do the same. Don't try to persuade him either way. Let him know you are discussing all angles. The positives too.

It's also not unreasonable to say that you'll be happy for him to stay temporarily and you'll make do, but it looks as though it would be much longer and that's not really a solution longer term so perhaps it's better to check out what the reality of living by the coast is like. If you tell him to use the 25 k to fund this, then he definitely knows it's not about the money for you, but genuine concerns.

dontdisturbmenow · 22/03/2021 14:11

I think it’s something he needs to consider because if he thinks SIL will give up her job to care for him then he’s going to be disappointed
This an unfair statement. You can't say that in one hand you don't really know her and then claim that there's no way she'd give up her job to look after him. Who can know what they would do in 10, 20 years time?

It's attitude like that this that will make your FIL not want to discuss things with you.

Alsohuman · 22/03/2021 14:11

@SpringAhead

www.norwegianlog.co.uk/log-homes/kelso

Is he aware of how much a fully fitted one bed log cabin costs (£40,000 for the kit rising to £74,000 fully kitted out and erected). He won’t have much left to contribute to the house purchase.

Oh do RTFT. It’s not a log cabin. OP says

We have seen the brochure for the Cabins and they are beautiful and cost about £100k to £130k depending on size and style

Mummyoflittledragon · 22/03/2021 14:11

@ThornAmongstRoses

So if he did have to go into care who would be responsible for the fees? Because it’s not like he could sell his Cabin in the way other people sell their homes? He can’t sell a Cabin that’s built on land legally owned by SIL anyway can he?

I’m really not familiar with the specifics of fees pertaining to elderly care.

People are talking about the 8 year rule. But councils are getting wise to this. If your fil is deemed to have deliberately done away with his assets, my understanding is that your sister could be forced to sell her home to pay for the fees. It’s called deprivation of assets and there is no time limit.

I think your df needs specialist advice now. If he won’t do it for himself, come with the angle that your sister may have to sell her home if he needs to go into a care home.

ThornAmongstRoses · 22/03/2021 14:12

You say SIL’s OH isn’t very nice, he gets to live in this house that’s come by only by her dad’s money. What stuck out to me is how little contact she usually has yet this happens. I think her OH applied pressure on her to acquire the cash. He probably needed a certain amount and saw this as an easy way, no thought for care fees like you have. I bet once they have proceeds (hence the extremely quick sale rather than waiting for best price) it’ll become “impossible” for the cabin and your FIL will be left with you where he’s already “settled so why would you move him?”.

My biggest fear is that FIL is going to hand this £90k over to SIL and then no other part of the plan will materialise.

The fact my FIL sold his house for a low price, only five days since it went on the market, and before SIL had even started her new job makes me think SIL had asked for the money or said she needed money quickly. Why else the rush?

It doesn’t make sense.

OP posts:
MargosKaftan · 22/03/2021 14:12

OP - you need to talk to him again. Has he had legal advice ? What happens if he needs care in the future? Will SIL's house have to be sold? If, god forbid, he died within 7 years, will she be able to afford the inheritance tax? What if he doesn't like living with her? Does he have any right to stay in the cabin and what happens if SIL wants to move? What happens if SIL and BIL divorce?

Then also say that you thought you were offering to have him stay for just a couple of months, if its going to be at least 6 months, possibly a year until SIL is ready to have him move in, that's too long. Could he consider renting a flat near you or even near her to see if he likes the area before committing to full time living there.

It is his money and if he chooses to give more to one child who is intending to house him, then thats reasonable. But he does need to get legal advice and be clear about how long he's planning on moving in with you for.

Mummyoflittledragon · 22/03/2021 14:12

@ThornAmongstRoses

Where is your FIL currently living OP?

Still in his house. He’s coming to us at the end of April. A lot of his belongings are already in our loft - thankfully there’s room for that.

Right so he hasn’t exchanged. Time to persuade him to pull out.
BakeOffRewatch · 22/03/2021 14:16

@ThornAmongstRoses but it does make sense. It’s just not very nice what’s happening Sad.

Twoforthree · 22/03/2021 14:16

Yes buying a static caravan up there and a smaller place near you, would mean the best of both worlds.

I think he's confident of your love for him, but I'm thinking that he feels he needs to do this to secure his daughters love. Shame.

diddl · 22/03/2021 14:16

Is there an advantage for him to building in a garden?

With the money he has I would have thought that he could have got something in Skeggy!

I know it's not an inheritance until someone has died & in these days of care homes it's not wise to count on any, but after saying an equal split, he's essentially now given everything to one of his two kids?

billy1966 · 22/03/2021 14:16

If he is still living in his house, he has not exchanged.
He can back out.

He can get a better price for his house.
He can get legal advice.

He can stop being stupid.

OP,

It's been spelt out to you clearly.

He needs to be told plainly that his life is going to change utterly.

If he loves all the weekly involvement with YOUR family, how does he think that is going to work when his daughter's partner doesn't like him.

You owe it to him to spell it out.

If you don't spell it out, don't be surprised if he is back on your doorstep because it hasn't worked out.

That is if he ever leaves after he has given all his money to his daughter.

It could take 2 years for heŕ to find the perfect house with space for the cabin.

You must be very open to being his carer in the future, because it certainly doesn't sound as if his daughter will be.

Figgygal · 22/03/2021 14:17

Your poor father-in-law I would be the same as you concerned that he will go up there not knowing anyone hitching his wagon to a daughter he hasn’t spent any meaningful amount of time with and doesn’t really know and end up isolated

It has disaster written all over it even before you think about the money aspect why is he going to spend that much money to live in a fancy shed?

theleafandnotthetree · 22/03/2021 14:17

@CaraherEIL

Of if they are really close could your DH not just say to his dad that he thinks it’s a bad idea and offer to go and look at a smaller place nearer to your house. You can buy a static caravan in Skegness currently for about £75k so he could buy a small flat and live locally to you and still have lengthy holidays in Skegness to see his daughter and other grandchildren. He has the opportunity to do great exciting things with his house sale rather than basically having no private assets left at 65.
This absolutely, even accepting that the (lets not forget, promised) inheritance is 'gone', this is a very poor way of FIL arranging his affairs. Alienating the people to whom he is already close - you seem to have a near idyllic set up - to throw his whole lot and future in with his daughter with whom he has a more distant relationship with who comes complete with unpleasant partner. What could possibly go wrong? Hmm. Your FIL has the means to have a nice little retirement and spend time (the most precious thing of all) with both of his children and families and he is squandering that. You must speak up
Kona84 · 22/03/2021 14:19

will the cabin be in FIL name, but on sisters land?
it will likely still form part of his estate.

ThornAmongstRoses · 22/03/2021 14:20

I feel really sad as well that FIL is the only relative from their father’s side they have any relationship with.

My MIL was the most amazing lady and it breaks my heart that my children never go to really know her (she passed away when my youngest was just a few months old) and now they’re going to lose out on having their paternal grandad around too.

OP posts:
puppychaos · 22/03/2021 14:21

@ThornAmongstRoses they won't lose out if you speak to him and lay it out for him properly.

GingerBeverage · 22/03/2021 14:22

Haven't RTFT sorry but if SIL is buying a new place could the additional funds from FIL be ringfenced during any future sale/inheritance, maybe with a deed of trust?

TeapotCollection · 22/03/2021 14:22

This has potentially got disaster written all over it

He could buy a lovely bungalow in Skegness for that money

Are people even allowed to just stick what is effectively a second permanent residence in their garden?

theleafandnotthetree · 22/03/2021 14:22

@dontdisturbmenow

I think it’s something he needs to consider because if he thinks SIL will give up her job to care for him then he’s going to be disappointed This an unfair statement. You can't say that in one hand you don't really know her and then claim that there's no way she'd give up her job to look after him. Who can know what they would do in 10, 20 years time?

It's attitude like that this that will make your FIL not want to discuss things with you.

Yes but the best predictor of future behaviour is past behaviour. What we know of the SIL is someone who visits rarely, allows her partner to speak badly to her father and has at the very least gone along with, if not actively manipulated a situation which is absolutely not in her fathers best interests, financial and otherwise. This does not suggest someone likely to be self-sacrificing and kind to what might be a difficult older man