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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:
hereyehearye · 22/03/2021 15:10

Let me guess: was a distant and crappy father. Current closeness is an anomaly?

Bythemillpond · 22/03/2021 15:11

FIL has said he doesn’t want to waste money renting which is why he’s asked if we can put him up

But he is quite happy to throw his money away on a ridiculous dream.
What would happen if you turned round and said that you wouldn’t put him up. That he had to go into rented or go and live with his daughter

HasaDigaEebowai · 22/03/2021 15:16

I haven't read the whole thread (sorry there's five pages of it) - only your responses, but Im sure someone has pointed out that without planning permission for a residential dwelling its illegal for him to live in the cabin. So given that your SIL hasn't even bought the house yet how do they even know that planning will be granted.

ClarkeGriffin · 22/03/2021 15:21

I am surprised at some of the responses on this thread, but maybe it's just due to the work that I do that this is obvious to me.

Your fil is being scammed by his own daughter.

He will not get a cabin in the grounds of her new house. Its unlikely she even has a new job.

Her and her partner, or maybe just him, wanted the money for some reason. God knows what. But your fil is now homeless thanks to his own daughter.

What a wonderful family.

5128gap · 22/03/2021 15:21

Could be worse OP, at 65 he is plenty young enough to meet someone new and could end up leaving it all to her! Bet that would bring your H and his sister closer.

Sstrongtn · 22/03/2021 15:25

65!!!!!!

Jesus he could live another 30+ years! Forget who is owed what, if he’s not working so no way of building more income, and he isn’t going to be a named owner of SIL home (the cabin will be on her land so owned by her?!), then he could end up royally fucked.

Don’t even MENTION the inheritance issue, absolutely don’t take the £25k unless to keep it safe for him when it all goes tits up, do point out he’s got a lot of living left hopefully and she could turf him out on his arse as soon as the partner objects.

SleepingStandingUp · 22/03/2021 15:25

Op is he actually upset he's not getting enough of his Dad's money, or the fact that you'll be now seeing him once a year instead of a few times a week? That's basically decided he's happy to forgo the relationship he has with DH, you had the kids to go and love on the garden of a man who dislikes him?

I'd talk to DFIL but I think if you come from the "we expected more money" he's going to rightly think you're CFs

Still1nLove · 22/03/2021 15:25

You need to have a serious conversation ASAP. Don’t skirt about the issues, given the house sale is well underway, you will wed to act quickly.
-why the hurry?

  • why sell so quickly, under market value and not discuss any of these plans with you or your dh?
  • is he aware of the time scales involved?
  • is he aware of the legal implications?
  • why live in a cabin in her garden (if that is even legally permitted), instead of buying his own place?
  • does he know the upheaval he will be causing by wanting to move into your home for an unknown amount of time?

So many concerns!

GenderApostate19 · 22/03/2021 15:26

If FiL ever ends up in a bad situation and needs means tested benefits, it will be a case of deprivation of capital and he will get nothing.

If everything goes ahead and he needed dementia care in a few years, the LA could come after your SiL.

Sstrongtn · 22/03/2021 15:27

Or what @ClarkeGriffin said.

He’s being ripped off and if he wants to live near the coast, help him find and buy a nice flat, help him wisely invest what is left over to enjoy his life and sign his up to Tinder.

theleafandnotthetree · 22/03/2021 15:27

@2bazookas

You can't buy and sell a living relationship. FIL has worked out a perfect solution for his own life circumstances How dare you question how he adapts his assets and finances to suit himself?

DH should be very happy that when he (FIL) needs it, his father will be assured of full time care and support from family close at hand. That emotional and practical security for FIL (and you and DH) is priceless.

There is zero evidence that "his father will be assured of full-time care and support". How are you getting that from the OP's posts? Even in the case of a loving daughter who had been very involved and engaged all along and who absolutely had her fathers best interests to the forefront, no such absolute assurance could be given. They could fall out, she could get ill herself, anything could happen. This particular scenario has disaster-in-the-making written all over it.
Francescaisstressed · 22/03/2021 15:28

This isn't an inheritance issue. He is still alive and can do what he wants with his money.
You can think it's unfair, but it's his choice and I find it weird how people think about the money they are going to get from dead relatives.

FrankskinnerscRoc · 22/03/2021 15:32

There will never be a cabin, & you will have FIL living with you for ever. SIL knows she's done fuck all for her dad over the years & is worried that her bro will inherit all of FIL's money, she's just making sure that this never happens. This is more common than you'd ever believe.

ClarkeGriffin · 22/03/2021 15:32

@FrankskinnerscRoc

There will never be a cabin, & you will have FIL living with you for ever. SIL knows she's done fuck all for her dad over the years & is worried that her bro will inherit all of FIL's money, she's just making sure that this never happens. This is more common than you'd ever believe.
Yep. It's a scam. Your fil is going to be left up shit creek.
NettleTea · 22/03/2021 15:33

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?

He will be responsible for his care home fees. Giving his money away to his daughter will be seen as deliberately avoiding care fees. There is no 7 year and its OK with care home fees - that was all changed a few years back exactly for this reason. It applies only to inheritance tax.

If the cabin is his then somehow he will need to get the money from it. If the money is in the house they will put a charge on it to get it back if its sold. Even the £25K to you could come under scrutiny. They can and will be completely cut throat about this if they think anyone is pulling a fast one, and your SIL and her husband may not be aware of this either and be relying on the old '7 year' misassumption.

He also, if he hasnt enough money, wont have the choice he would have had if he could afford to pay. The care home will take his pension, any attendance allowance, and give him pocket money. And they will want the excess paid at some point. If council appoint it may end up the cheapest place in the area, as opposed to a nice one.

theleafandnotthetree · 22/03/2021 15:38

@ClarkeGriffin

I am surprised at some of the responses on this thread, but maybe it's just due to the work that I do that this is obvious to me.

Your fil is being scammed by his own daughter.

He will not get a cabin in the grounds of her new house. Its unlikely she even has a new job.

Her and her partner, or maybe just him, wanted the money for some reason. God knows what. But your fil is now homeless thanks to his own daughter.

What a wonderful family.

In a way, this reminds me of threads where it's a new girlfriend (or occasionally boyfriend) who comes along in the life of a widowed parent and turns someones head and causes them to make very poor decisions that affect relationships with the other people in their lives that have been there all along. Its strange that it's a daughter, but perhaps in this case, she has switched it on, flattered, given attention and manipulated in similar (though obviously non-sexual) ways. The relationship with the OPs husband and family is easy, pleasant and no drama and as is so often the case, taken for granted. Perhaps the relationship with the daughter has always been distant or prickly or difficult and the FIL sees this as a chance to redeem things or bluntly, buy his way into their family. We see these kind of threads here all the time, the sibling who behaves the worst is often given the most. These are deep waters here and if FIL was my friend Id be recommending counselling as well as legal advice to work through the underlying impulses beneath his actions.
Puzzledandpissedoff · 22/03/2021 15:41

Its unlikely she even has a new job

Even if it's true I see the job's in clothing retail, and considering places are dropping like flies post-Covid, I wouldn't want to assume she'll have it much longer

I know this is a bit of a stretch, but that could even explain why they're quite so keen to have FIL's money in the bank

dontdisturbmenow · 22/03/2021 15:45

Your fil is being scammed by his own daughter
Do you know her?

BlueBlancmange · 22/03/2021 15:48

It sounds like your SIL and her partner instructed him not to mention it to you while it was being discussed.

BlueBlancmange · 22/03/2021 15:53

@FrankskinnerscRoc

There will never be a cabin, & you will have FIL living with you for ever. SIL knows she's done fuck all for her dad over the years & is worried that her bro will inherit all of FIL's money, she's just making sure that this never happens. This is more common than you'd ever believe.
Sounds like she was going to inherit 50% regardless of what she'd done, but maybe decided that wasn't enough.
theleafandnotthetree · 22/03/2021 15:54

@dontdisturbmenow

Your fil is being scammed by his own daughter Do you know her?
No but the warning signs are clearly there and with seemingly no other relationships to worry about - she has none with her brother and her mum is deceased - it seems likely that at the very least she is making damn sure that things are being done to the advantage of her own family unit. I have seen this in a family I know, sudden interest in an elderly mother right towards the end from a couple who had lost their own house in bankruptcy who moved in to care for mother and when she passed soon after have effectively taken possession of the house. The other siblings are not minded to tackle it because 'they were good to mother at the end' and they are all pretty well off anyway. I dont know would I say they scammed their mother and siblings but they most definitely had mixed motives
PrintempsAhoy · 22/03/2021 15:56

Really? An average 65 yr old is many years away from a care home Confused

He's 65, not 85

LimpLettice · 22/03/2021 15:56

I do think everyone talking about how revolting it is to discuss money before he dies have never had the unfortunate luck of nasty grabby relatives. They do exist, it isn't rare, and it is important to discuss these things properly. It happened in our distant family. Two sisters, all close, one talked her parents into selling their big house and going in with her. At which point no one on the wider family, other sister, grown grandchildren or siblings, were allowed any contact. Presumably they were happy with daughter, who knows? Point is, no one knows, and they both died within weeks and without any notification to any other member of family to visit. There are swimming pools, big cars and all sorts...it was a very lucrative move.

Your FiL needs extremely impartial professional advice, and now. You can't be frightened to tell him. You'll have to say you support him 100% but he's making himself vulnerable and you just want him to talk to someone outside.

BlueBlancmange · 22/03/2021 15:59

@ClarkeGriffin

I am surprised at some of the responses on this thread, but maybe it's just due to the work that I do that this is obvious to me.

Your fil is being scammed by his own daughter.

He will not get a cabin in the grounds of her new house. Its unlikely she even has a new job.

Her and her partner, or maybe just him, wanted the money for some reason. God knows what. But your fil is now homeless thanks to his own daughter.

What a wonderful family.

I agree this is likely. A lot of posters are getting hung up on the issue of expecting an inheritance, but do not seem to be picking up on the fact that the whole arrangement with the SIL, especially given the background and all the secrecy surrounding it, sounds extremely dodgy.
TangoWhiskyAlphaTango · 22/03/2021 16:02

@PrintempsAhoy

Really? An average 65 yr old is many years away from a care home Confused

He's 65, not 85

I agree!! My DM is 67 and still works full time, in her spare time she provides childcare for my youngest brothers 3 kids. 65 is nowhere near old!