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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:
DoubleTweenQueen · 23/03/2021 17:37

Also - re update - your FIL has nothing to be cross about - they seem to have taken you and DH for mugs Hmm Your hospitality cannot be indefinite and you should have been fully consulted at the outset. Quite cross on your behalf!
At least it's in the open, and can be discussed properly, even if it means a short term falling out.
Good luck.

Beautiful3 · 23/03/2021 17:39

Think I would say that it would be better that dad stays with his daughter, until the cabins built and not with us! As it seems to be a terrible plan, also you and your husband must feel deceived and used right now.

ThornAmongstRoses · 23/03/2021 17:42

Think I would say that it would be better that dad stays with his daughter, until the cabins built and not with us!

There just isn’t the room for this - they only live in a two bedroom house, with the children sharing one of the rooms.

OP posts:
Charley50 · 23/03/2021 17:43

Even if his DD and her DP have the best intentions, it's still a crap plan, for all the reasons to do with living in a posh shed in someone else's garden, that he's paid for, while being only 65.

I think the focus shouldn't be that he is being ripped off, as he'll feel embarrassed and dig his heels in, but that if he wants to live in Skegness, he should get his own place there, renting first then buying if he actually likes living there.

Beautiful3 · 23/03/2021 17:44

Help him find a nice house for himself in skegness, would he be interested if your husband found some nice ones, online?

DoubleTweenQueen · 23/03/2021 17:47

Quick Rightmove trawl? He could probably afford somewhere you and you children can visit him at the sea-side? (If he doesn't get something near you also)

Moonstone1234 · 23/03/2021 17:50

I agree with a PP. 65 is no age. Living in a shed in someone's garden - it sounds horrible.

Just find something to rent within Skegness and then if he doesnt like it he has made no committment. As you say OP where on earth would he sleep if you only have 2 beds??

VaVaGloom · 23/03/2021 17:50

Try not to slag his daughter and her family off to FIL - she's young, lost her mum, still has a pre-schooler and won't have seen much of her Dad during lockdown and now she knows her brother thinks she's trying to manipulate their Dad so is probably hurt. Your FIL probably feels protective of her as she obviously hasn't had an easy time.

Are SIL's partners family near them or near you?

Is there an age gap between your DH and his sister?

LadyEloise · 23/03/2021 17:51

Hopefully the scales will fall from your fil's eyes.
Sil is complicit with her partner. You can't blame it all on the partner.
I thought he was an elderly gentleman not a 65 year old. Has he just retired ?
Has he friends in his area ?
He really doesn't to have thought it through and he too tried to keep it from you.

DuckbilledSplatterPuff · 23/03/2021 17:51

At least you know now that he wanted to buy his own place and remain independent. It may not have been wise to say it but your DH is correct that they were manipulating FIL since it does not seem "easier" to invest £90 in a house still to be identified, financed, purchased to live in a cabin in the garden for which designs, planning permission and builders have not yet been sought..
However, at least you found out this had been under discussion for the last six months, the idea house being sold for the last 3 months
and both SIL and FIL deciding that he could live with you until the cabin was built, yet you've only just found out about your role.

It might be reasonable to host him whilst he's buying/selling his own house, since that is finite but you could still say to him that the plan to stay until the cabin is built is not on for xyz reasons. primarily that no one has told you the truth so far and you think the plan could leave him financially and legally vulnerable and puts his potential future care needs at risk. Because even if SIL were his carer, she might not be suitable if his future care needs were complex.

It doesn't look like he trusts you.

So all you can do is gently point out where he's vulnerable and give him the name of a local lawyer to get independent advice, since he won't listen to you.

If he feels you are attacking him he will stop listening.

Also the whole situation has gone far beyond worrying about future inheritance. These days its more a case of worrying about what level of needs he might have in the future and his own financial independence.

CaraherEIL · 23/03/2021 17:51

I think don’t be concerned about the row, this was never going to be sorted without people losing their tempers. There has been too much secrecy and planning behind the scenes between FIL and SIL and her partner that have excluded your DH. Even if as the baby of the family the sister has thrown herself around the place and wound your FIL up everyone who is honest knows the cabin idea is a shambles and that the SIL partner is horrible. Also there is no way your FIL could have moved in with you for months and months while your DH kept his mouth shut about the whole cabin/ large house purchase, planning debacle. So the shit was going to hit the fan sometime. If your FIL rants and raves and sides with the SIL then he will have to find somewhere else to live and move all his stuff that is in your loft. So let him come round but considering how tenuous his living situation is, I don’t think that he is coming round with the upper hand and I think considering how underhand his behaviour has been I don’t think he has the right to have a go at your DH for tackling his sister about what is going on, If they have not been doing anything that your DH would disagree with why exclude him. And if they think he would disagree so vigorously why would they assume that your DH has to house his dad why they put the plan he wasn’t consulted about into action.

Alsohuman · 23/03/2021 17:51

As you say OP where on earth would he sleep if you only have 2 beds??

It’s sil who only has two bedrooms, not OP.

ThornAmongstRoses · 23/03/2021 17:52

I have a very bad feeling that this isn’t an arrangement FIL can just backtrack on. The secrecy, the haste, the ‘concern’ from SIL’s partner....it just doesn’t add up. If FIL was happy to buy in Skegness and said this to SIL I really can’t see how he’d end up in this situation simply because SIL told him that it would be easier. It doesn’t makes sense and I just don’t trust it.

OP posts:
theleafandnotthetree · 23/03/2021 17:52

@ThornAmongstRoses

Think I would say that it would be better that dad stays with his daughter, until the cabins built and not with us!

There just isn’t the room for this - they only live in a two bedroom house, with the children sharing one of the rooms.

Which makes it all the more embarrassingly obvious that they are using your FIL to go another rung up the property ladder and get their third or fourth bedroom. But not for him, he'll be in the shed. Not that I would frame it that way, you don't want him to get so defensive that he doesn't even hear the 50 good arguments for not proceeding with this hair brained plan
londongirl12 · 23/03/2021 17:53

You and DH just need to stay calm and concerned when FIL comes over. Express your concerns without making him feel silly

diddl · 23/03/2021 17:53

It's not your problem that he can't fit in their house though is it?

He's sold his house & expects to stay wth you until his daughter has sold her house, moved & built a cabin!

At the very least he needs to know that it was fucking rude of him to assume that he can stay indefinitely.

And he doesn't fit into your house without others moving about, does he?

He doesn't want o live with you, but he'll take advantage fpr as long as possible!

And with him esconced with you, his daughter can take her sweet time choosing a house & gettng a cabin built!

DuckbilledSplatterPuff · 23/03/2021 17:54

£90k

occa · 23/03/2021 17:54

There are about 1000 reasons to be concerned about this arrangement, a lot of which have to do with FIL making himself so, so vulnerable.

It will only take one thing (FIL needing care, SIL and her partner breaking up, FIL meeting someone new, SIL wanting to sell the house and cabin later on, FIL not actually liking living with them etc) going wrong for the whole house of cards to come crashing down and FIL will be left destitute.

Add in the fact that SIL's plan may take years to sort out with planning permissions etc and the whole thing is totally untenable.

I think it's good that FIL is coming round for a proper chat. Be ready.

Don't just point out the problems though, definitely have alternative plans to offer. I'd definitely tell him he can stay for 2-3 months but no more, and asks him where he's going to go after that (as SIL will not be ready) and 100% show him houses he could buy himself in Skegness, as this seems far and away the best plan.

Get him into his own place near SIL as quickly as possible.

MiddlesexGirl · 23/03/2021 17:55

So has FIL already sold his house. As in exchanged contracts or completed?

Oioioioo · 23/03/2021 17:56

Your FIL is going to live with someone who it seems is willing to care for him til his time comes. In the same position I would happily give up my "share" ( as others have pointed out the money belongs to your FIL and would easily spent before your DH gets anything) to know that my DF was going to be happy in my sisters home and looked after by her rather than stuck in a care hime somewhere.

The only possible issue here is that your FIL may be with you for quite some time, but given that he's moving away soon and you've already agreed, it's perhaps better to just get on with it with good grace.

Kateguide · 23/03/2021 17:57

OK OP, you and your DH need a strategy for tonight.

Be calm. Don't slag off SIL or BIL. Be factual. Do NOT mention inheritance.

Think about what SIL will have 'told' FIL.
Talk timescales, legalities, planning permission. How in fact it would be easier to buy / rent his own place rather than the convoluted / unrealistic plan that has been concocted.

MindGrapes · 23/03/2021 17:57

@ThornAmongstRoses

I have a very bad feeling that this isn’t an arrangement FIL can just backtrack on. The secrecy, the haste, the ‘concern’ from SIL’s partner....it just doesn’t add up. If FIL was happy to buy in Skegness and said this to SIL I really can’t see how he’d end up in this situation simply because SIL told him that it would be easier. It doesn’t makes sense and I just don’t trust it.
So what do you think has happened? Sorry op, it does seem like you've got a crap situation on your hands but at least you've got the opportunity to discuss it. Might be an idea to note down the main concerns from the thread and try to resist getting personal about sil/bil...
Lampzade · 23/03/2021 17:58

@Laureline

FIL is hardly the innocent lamb some posters are making him out to be. He’s only 65 and has proven really good at deliberately hiding life-changing decisions from his son and daughter-in-law before springing the done deal on them...
This
Kateguide · 23/03/2021 17:59

OP please can you clarify if your FIL has definitely completed on his house sale?

NettleTea · 23/03/2021 17:59

I think you need to concentrate less on him giving the money to SIL and more protecting his own investment in the property - re shared ownership, etc

He also needs to understand the change in care fees and how now they will look back as far as they want to in order to make sure that he hasnt deprived himself of assets - explain that the care home / social services will put a charge on SILs home or expect him to get the money out, and although hopefully this is a long way off, he wants to be in the position of having choice, which having tangible assets will give him. The fact he lives in a cabin in the garden will likely raise big old flags when they look at his finances - they will want to know how that came about, and when they see he has sold a house, then Bingo - they want him to pay out of that.

Life would be much much simpler if he bought a house there, if he really wants to go there, and as effectively a cash buyer, he would be in a great position to do so. Something future proof - so a bungalow, or something that can easily be adapted later, and his assets will grow rather than depreciate immediately

If he thinks you are just trying to stick your nose in, then suggest he talks it through with a financial adviser/ solicitor.

Its about protecting him to ensure he is safe and comfortable in his old age, not because he is helping SIL

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