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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:
Blueberries0112 · 22/03/2021 21:41

It seems those who look after the person in their last days get Most of the things.
Your FIL don’t want to be alone

TatianaBis · 22/03/2021 21:41

Also, he may never need expensive care, so what would be the point of planning for the that now, if it deprives him of the enjoyment of his life NOW? 65 is very young to be thinking in this way.

Of course he should be doing financial planning for the next 20 years.
But doing so doesn't mean that he doesn't get to enjoy his life now. He can enjoy both.

To kill 2 birds with 1 stone he can buy a property that he can live in for the foreseeable future that can be sold further down the line to pay for care. Not knock up a cabin in a garden.

Blueberries0112 · 22/03/2021 21:43

You should be happy for him , he will be provided for and get his own privacy too. That would be a dream for me

frumpety · 22/03/2021 21:44

Have found the perfect solution on rightmove, a bungalow with a double sized plot. FIL buys it, gives part of the plot to SIL, she can sell her house and get a small mortgage to build her family a house and FIL still has an asset that is also big enough to fit you all in for visits. Or sell if he decides Skegness isn't for him after all. Win win.

www.rightmove.co.uk/properties/87824048#/

Blueberries0112 · 22/03/2021 21:49

Sounds like he is tired of maintaining his house. I think he want something small and simple

BoundlessBean · 22/03/2021 21:49

Your poor FIL. I hope you've been able to have a good talk with him.

frumpety · 22/03/2021 21:57

Actually scrap that in case daughter and family move in with him until their house is built and never move out or build a house and spend the proceeds of their house sale on cars and holidays. Then he might feel morally obligated to continue providing a roof over the head of his grandchildren.

Thehouseofmarvels · 22/03/2021 22:04

With so many people dying of covid unexpectedly it does beg the question as to what would happen if SIL dies suddenly? I'd imagine everything would go to her husband. It would be normal for him to remarry or get a new partner. Has it been discussed that the husband and a potential new partner would nurse FIL? What if husband and new partner wanted to sell? How would FIL feel if he his daughter died suddenly, his son in law remarried and the house was put in the names of the son in law and new wife?

Serin · 22/03/2021 22:05

My DH is almost that age and the very thought of him planning to move to a cabin to see out his days is completely alien to us both.
65 is no age at all. He should be planning what he wants to do post lockdown, where to go, what hobbies to take up or resume? how to make new friends? Do you think he is depressed? because this does not seem like rational behaviour at all.
If he is depressed, I dont think that will improve if he is stuck in a cabin, by himself. If he insists that he needs to move, maybe a flat in an over 55 development is the way to go as at least he could make friends there.
I have seen lots of very lonely Grandparents who have sold up and moved into relatives homes, usually to a Granny annex/garage conversion that they have paid for and that they seldom leave. The majority would be happier in a flat /sheltered accom.

Cornishclio · 22/03/2021 22:10

Your FIL needs to be aware that there are some massive pitfalls in this plan. Whose idea was it? Your SIL or your FIL?

Your FIL could make himself homeless and what guarantees does he have from his DD that £90k is going to be enough to get a house with a big enough garden for this cabin?

Is he aware that it will most definitely need planning permission and I would bet the majority of ordinary houses with gardens will not be big enough for the neighbours not to mind a large self contained annexe.

What if he is not happy up in Skegness or finds he does not get enough support from his DD and her family? She has young children and a partner who is not keen on him so it does not bode well. He can hardly reclaim his £200k+ money and move somewhere else if it does not work out?

Does he realise if his DD splits from her partner then the partner will presumably get a share of the new larger higher value home?

If this goes against his wifes wishes to treat the children equally in the event of his death has he thought about why that is? I think he has not thought this through at all.

A better alternative would be for him to buy something smaller either in the area he knows or maybe near his DD if he wants to get to know her family better. I am betting though that the only reason they want him to come is because they want part of his house proceeds to make life more comfortable for them. Otherwise why does she only visit intermittently and not been more support since her mothers death. Also the fact her partner does not get on with your FIL throws out huge red flags and indicates the only reason they would agree to it is because they benefit financially. Tell your FIL he has to live with them as he is giving them the majority of his house proceeds.

PerveenMistry · 22/03/2021 22:11

OP you can't let him disrupt your home for a year or more. It's so unfair to you.

Bite the bullet and tell him he'll have to stay with SIL. If they refuse him, it might open his eyes .

ButtonMoonLoon · 22/03/2021 22:19

IF he goes ahead with this, I think he needs to make sure that all three of them- your FIL, SIL, BIL are on the deeds with his share (the £90k plus cabin) being protected.
The fact that they are not married means this is very important, especially given how unwelcoming BIL sounds.

ButtonMoonLoon · 22/03/2021 22:20

I’d also be inclined to take the £25k and put it in a secure account for him, in case he ever needs it.

Gardeningnotdiy · 22/03/2021 22:24

This is full of red flags. FIL can do what he likes with his money but the secrecy suggests ulterior motives by the SIL. He needs to have expert financial advice. Perhaps you can take him to an advisor. If this didn't involve SIL it would be screaming 'scam'. Even if the SIL is genuine the DAD needs paperwork to protect himself BEFORE he transfers any money.

StellaDendrite · 22/03/2021 22:25

As PPs have already suggested I think I would encourage your FIL to seek proper legal advice. I’d be worried about the potent ion of the daughter and her partner splitting up. Perhaps you FIL could be part owner of any new house.

Netty909 · 22/03/2021 22:26

I would say to FIL that he should pull out of his house Sale if he has not yet exchanged. It’s not a great thing to do but it happens, people often can’t find a property they like but better to pull out sooner than later. I would say look your house sold quickly so you know it will have no problem selling. it is better to wait until the new property is found then tie all sales and purchases at the same time. He may as well be comfortable in his own house till then. I have a feeling this will not happen as SIL sounds rather flakey. I wouldn’t be concerned about inheritance but FIL left without a home indefinitely.

Charley50 · 22/03/2021 22:28

My DM was always secret about her stupid mistakes, like giving away 10s of 1000s of £ to strangers. On one level I think you FIL knows he is making a mistake. He needs dispassionate legal advice.

Bouledeneige · 22/03/2021 22:35

I agree with TatianaBis and frumpety

I think I'd be worried about financial abuse and that she's exerted undue influence over him. As everyone has said 65 is incredibly young and the fact that he's reducing his wealth so significantly and giving so much away is deeply worrying. He could live for another 25 years or more. What will he do if he can no longer manage on his own and needs to go into care or indeed if he has dementia and needs very expensive nursing care? Has he any other funds to help him? Will your SIL sell up or get some equity release to pay for it? No, I thought not.

My Dad is 91 and still going strong and he sometimes talks about what I and my siblings might inherit. And we just ignore that because we know there might not be anything left if he needs to go into a care home.

ThornAmongstRoses · 22/03/2021 22:37

Thanks everyone,

I’ve chatted to my DH and he’s firmly of the stance that FIL is a grown man, he can make his own decisions (even if they’re the wrong ones) and that if it all goes tits up then be it on his father’s head.

I did say we should suggest FIL gets legal advice but he said, “What’s the point?!”

He can see that FIL is blindly and naively walking into this and doubts FIL would even seek professional advice if we advised it because he’d then have to admit to himself that this may not be the happy ever after he’s telling everyone it will be.

Altruistic SIL is not, and deep down FIL knows it.

So as it stands, DH wants to leave FIL to it.

OP posts:
MindGrapes · 22/03/2021 22:38

@ThornAmongstRoses

Thanks everyone,

I’ve chatted to my DH and he’s firmly of the stance that FIL is a grown man, he can make his own decisions (even if they’re the wrong ones) and that if it all goes tits up then be it on his father’s head.

I did say we should suggest FIL gets legal advice but he said, “What’s the point?!”

He can see that FIL is blindly and naively walking into this and doubts FIL would even seek professional advice if we advised it because he’d then have to admit to himself that this may not be the happy ever after he’s telling everyone it will be.

Altruistic SIL is not, and deep down FIL knows it.

So as it stands, DH wants to leave FIL to it.

So do you (either of you?) have any say whatsoever about FIL potentially moving in to your house for a year or so?
BRB2021 · 22/03/2021 22:39

So your SiL is only 26 from what you have said and her OH is probably similar if they were childhood sweethearts - neither will want an "old" man (in their eyes, not mine!) in their back garden for possibly 20 years. It isnt going to happen.
As others have said - they have got him to sell the house, are waiting for the 90K and that will be the last he hears about it. And you are stuck with him.
Canny and cruel plan

MindGrapes · 22/03/2021 22:42

I think you still need to set out some of the very simple questions about practicality that have been raised here. E.g. is his £90k stake in SIL's new house going to belong to him or to SIL?
No-one wins by you being passive.

ThornAmongstRoses · 22/03/2021 22:43

So do you (either of you?) have any say whatsoever about FIL potentially moving in to your house for a year or so?

He’s not potentially moving in - he definitely is.

He’s my DH’s father so ultimately I’m never going to forbid it (for want of a much better word) so it will be going ahead.

OP posts:
Derbee · 22/03/2021 22:47

Surely as a minimum, you and DH say he can’t stay, and he’ll need to stay with SIL whilst it all goes through. When she says he can’t stay with her, he will see that it’s not a good idea to be relying on living in her garden

Tiktaktoe · 22/03/2021 22:48

So you'd prefer for him to move in indefinitely rather than have a conversation with him?
Your husband and your Fil are idiots and if you don't want your fil moving in with you full-time and forever you will have to say something.