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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:
Alsohuman · 23/03/2021 18:00

@Kateguide

OP please can you clarify if your FIL has definitely completed on his house sale?
Of course he hasn’t. He wouldn’t still be living there for f he had.
ThornAmongstRoses · 23/03/2021 18:01

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.

I have no idea.

Admittedly I don’t know SIL very well but I do know my FIL and he just wouldn’t do something this reckless and he wouldn’t hide things from me and DH, he just wouldn’t.

This whole thing is completely out of character.

OP posts:
CaraherEIL · 23/03/2021 18:03

I agree it all seems really hasty. Could your dad have possibly lent money to the SIL borrowed against his house which has to be paid back now the house is sold or maybe paid a large deposit for the cabin? Is it possible that the sister has already sold her existing house/ offered on a larger house. The only reason the FIL could not backtrack is if he has somehow already given them the money or your SIL has sold her house based on his word that he is going ahead with the plan.That might correlate with him selling his house within 5 days for less than its worth. But tonight you might finally get to the bottom of it.

Noshowlomo · 23/03/2021 18:04

Does FIL know that the partner doesn’t like him? Maybe he needs to hear it

AhNowTed · 23/03/2021 18:06

@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.

How in gods name could this convoluted arrangement be "easier".

Of course it isn't. The only beneficiary here is your SIL.

ThornAmongstRoses · 23/03/2021 18:07

Does FIL know that the partner doesn’t like him? Maybe he needs to hear it

He knows. SIL’s partner makes no effort with anyone on her side of the family, not even with her mum when she was alive. He’s quite overtly rude to us all.

OP posts:
DoubleTweenQueen · 23/03/2021 18:08

Chill some beers/wine for later. Don't let DH focus on his own hurt, but on his dad's future happiness and security x

Twoforthree · 23/03/2021 18:09

Suggest he rents first to see whether he likes it or not gets on with bil/likes being a babysitter then he can decide whether to buy there and even give sil leftover cash if that's what he wants or has got himself into this mess because of a promise , or he could decide to buy a static van and buy somewhere smaller near you. But it's sensible to test the waters first.

tickboxes · 23/03/2021 18:11

You really, really need to know the status of his house sale. Do you know this OP? Has he exchanged contracts? That is the point in the sale process it is difficult, although not impossible to come back from.

DoubleTweenQueen · 23/03/2021 18:17

If it boils down to SIL being desperate for financial support and fil wanting to support her & her family, you are just going to have to accept it.
It doesn't make other parts of the plan any less rubbish though!

Alsohuman · 23/03/2021 18:19

@DoubleTweenQueen

Chill some beers/wine for later. Don't let DH focus on his own hurt, but on his dad's future happiness and security x
Bad advice. Leave the alcohol in the cupboard.
Ellpellwood · 23/03/2021 18:20

I'm really sorry, I've only read the OP's posts but this is absolutely about SiL currently living in a 2 bedroom house without the borrowing power and loan to value they need for a bigger one.

PuggyMum · 23/03/2021 18:21

You've got a couple of hours or so to make some notes from the excellent advice that's been given.

At the very very least your FIL needs independent legal advice here.

65 is no age to leave himself with such limited options.

Good luck op

Tiktaktoe · 23/03/2021 18:27

You and your husband need to agree how long your fil can stay before he comes over.
You need to be crystal clear that an indefinite stay is not on the cards.

Ellpellwood · 23/03/2021 18:28

I would probably point out to him that if they split up and have to sell for equity, he is potentially screwed.

OysterMonkey · 23/03/2021 18:28

@DuckbilledSplatterPuff

The more I read the more dodgy the whole thing sounds. . So many things are baffling 1) a healthy active 65 year old setting up a care plan more suited to a much older and sicker person 2) putting his house on the market without mentioning it to nearest relative he sees several times a week. 3) selling his house in just five days and accepting the 1st offer immediately, again without discussing it with nearest and dearest 4) Only revealing this when asking if he can stay with you for about two months .... making sure he has your agreement to this before the whole story unravels and it becomes clear He could be staying with you for 2 years or perhaps longer 5) the SIL needing the cash immediately, before her new job is presumably confirmed and lack of clarity about mortgage, and your father’s entitlements, or if a suitable property has been found or planning permission 6) the two of you thinking that agreeing to two months of FIL means you have to agree to everything else because despite the fact that he has effectively lied to you and gone behind your back ... 7) the fact that your FIL can see no flaw in any of this despite the many gaping holes the whole thread has Instantly pointed out. This just doesn’t smell right. Perhaps Your SIL and BIL have convinced him he is in a vulnerable position and are encouraging your FIL to liquidate his assets as quickly as possible. Why would they do that and at such speed? Future Inheritance tax avoidance? or care home fee issues? They may have worked out it’s easier to do this now while he’s still fit and active

You two will be facilitating this scheme, Which could be massively disadvantageous to FIL, at the expense of your own family and sanity, by agreeing to take full responsibility for FIL for an unspecified time because you initially agreed to take him in for two months.

The only way this scheme races ahead is if you two agree unconditionally to host him for the next two years or more, despite the impact on your own house hold.
A poster earlier pointed out that sometimes saying No may seem harsh but is kinder in the long run.

@ThornAmongstRoses Given what you said about FIL coming round after your children are in bed, I’d say it’s obvious SIL has been straight on the phone to you. You and DH need to plan what you’re going to discuss with him, and keep the emotion out of it (and the inheritance bit) and come at it from the concern from him angle. I’d use the points Duck has raised above. Plus :
  • the legal advice for putting £90k into their house
  • legal advice for the cabin on their land
  • legal implications for both if BIL / SIL die or split up
  • implications if FIL does need care
  • the fact that BIL has never had a good relationship with anyone in the family. Realistically how does FIL think him living in the garden is going to pan out.
  • and just ask him why?
Pumpkintopf · 23/03/2021 18:31

I agree with this -

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)

Otherwise how does he imagine he will see his other grandchildren, if there's no space where he's living? Totally agree he'd be better off with his own place - but if SIL is in a two bed with dc sharing a room, no wonder she wants her dad to pay for a new bigger house for her.

ClearMountain · 23/03/2021 18:31

What you have to consider is that SIL is receiving “her half” which is £125k, plus she’s also receiving approx another £100k in exchange for looking after FIL. That’s about £200 per week for 10 years, which seems quite reasonable considering he’s only 65. In fact he could easily live for 20 years so she’s only receiving £100 per week. Would you and your DH want the burden of looking after FIL in exchange for that money?

A fairer solution would be for FIL to part-own the house purchased with SIL. When he dies SIL would have to remortgage (or sell) and give your DH half of FIL’s share.

ClearMountain · 23/03/2021 18:33

Important question: What happens if they purchase the house and then are turned down for planning permission to put the cabin in the back garden? Where will FIL live then?

DoubleTweenQueen · 23/03/2021 18:34

@Alsohuman I don't agree - it's hospitable/welcoming and a small drink can help reduce tension.
OP and her DH can judge if it's appropriate, in their case.

OysterMonkey · 23/03/2021 18:35

And emphasise if he wants to move to Skeggy, then you don’t have an issue with that, but the far more sensible option would be for him to buy himself his own property there.
If possible, you could go through Rightmove with him tonight, to show him what’s available, for £200k.
Rather than spunking £120k on a daft cabin & giving £90k to SIL.

ClearMountain · 23/03/2021 18:35

I would probably point out to him that if they split up and have to sell for equity, he is potentially screwed
God yes. This is a really important point and is exactly why FIL needs to own a share of the house that’s proportional to the money he has contributed.

ICouldHaveCheckedFirst · 23/03/2021 18:35

One approach is to get him to explain it all, in his own words, while you listen, saying nothing but taking notes. It might help flush out any wrong assumptions you may be making. Hope it goes well for you.

Graphista · 23/03/2021 18:35

but SIL told him it would just be easier this way

for who? Certainly not easier for fil! Profitable and easy for sil and partner yes!

In what world is it easier than him just buying one of the numerous bungalows currently for sale in Skegness? He needs to return to Plan A, sil’s partner is definitely planning to rip the poor old boy off

Yep!

If fil is fronting up money for this bigger house then of course his name will be on the deeds or at least his share protected right? No? Didn't think so!

NeilBuchananisBanksy · 23/03/2021 18:37

It's important you stay calm tonight and be the voice of reason.

Legal issues, planning issues, timescales.

You've had great advice. Hope it goes ok later.

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