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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:
Unsure33 · 23/03/2021 19:47

What is the situation with house prices in that area ? Could he afford to buy his own house ? If not then as I said before there is no reason why his 90000 should not purchase a share of the house to future proof himself as well .

Unsure33 · 23/03/2021 19:48

Also I don’t think he can just gift them the 90000 there would be tax implications. Is so badly thought out .

LAMPS1 · 23/03/2021 19:59

If your FIL now decides to buy a bungalow in Skegness instead of going with the cabin in the garden idea, he will be cutting himself off entirely. If he doesn’t go along with his daughter’s partner’s plan, they will be angry not only with you but with him too. He will no longer be useful to them.
If he can’t backtrack on his house sale, he would be better buying a small, easy to manage, accessible flat or bungalow near you.

Nanny0gg · 23/03/2021 20:11

@ThornAmongstRoses

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.

Which also means the odds of you being able to visit if this cabin ever materialises is slim to none
BillyCongo · 23/03/2021 20:22

I haven't read whole thread but what if SIL finds house of her dreams but site isn't suitable for planning permission for a cabin? Our house has large grounds but we are AONB so we'd never get permission for something like that.

BasiliskStare · 23/03/2021 20:31

Well at this time since he is 65 - I'd take the £25k and leave your sister and her boyfriend with rest - I do not mean to sound mean but really 65 isn't old . You could take that money and not have to pay tax. That said if I were in your FIL's situation with a daughter and a chap who isn't married to her & purportedly doesn't like him , I would very much be asking where my name was on any deeds on to any house I was living in ( even if garden ) where I had given lots of money.

& yes deprivation of assets.

V0lcanicTYRE · 23/03/2021 20:50

Fil could live another 40 years +

The inheritance is not an issue until then !

BigSandyBalls2015 · 23/03/2021 20:56

He’s highly unlikely to live to 105!!

ThornAmongstRoses · 23/03/2021 21:05

And it turns out that SIL is 14 weeks pregnant.

Apparently when she and her partner first suggested the Cabin idea 6 months or so ago and FIL declined and said he was happy to buy somewhere so he wouldn’t be under their feet, she told him not to be silly as the arrangement would work out really well for all involved as she and her partner were hoping to have more children in the future but that they wouldn’t be able to unless they had a bigger house anyway. SIL then told him how much it would mean to her and how wonderful it would be for FIL to be around to watch new grandchildren be born and see them grow up, liked he’d been around when DB (my husband) had had his children. FIL then agreed that it would be really nice to be around for early days and from then onwards, and agreed it was something he would happy be to look into.

Anyway, it looks like SIL took that as him being board and to cut a long story short, she told FIL she was pregnant about 3 months ago but told him not to tell anyone as it was such early days (her prerogative so that’s fine). Anyhow, it appears that is why FIL put his house up for sale and sold it quickly so the new house could be bought in time for the baby’s arrival. Bit strange really seeing as the baby generally stays with the parents in their room for a good 6 months or so, but that’s the story FIL gave. Stinks of manipulation to me but FIL is clearly happy with what’s happened and he does seem excited about the idea of being around for the new baby.

We asked him what would become of the Cabin if he passed away and he said that wasn’t his problem (with a smile) and said that SIL and her partner could do whatever they liked with it.

He hasn’t looked into anything legal as he didn’t think it was necessary. We did advise it (and gave examples from this thread as reasons why he should) but he told us we are worrying unnecessarily. So that’s his choice to make.

We asked him about the time scale of him staying here which was slightly awkward but he promised us again he would only be here for a few months. We said that was unlikely and explained why (all the issues raised in this thread) but he said things would be moving along quickly and if there are any delays he would move out and rent somewhere near us until the cabin is built. I asked why he wasn’t going to rent over there to make sure he liked the area, but he said he wanted to spend as much time as he could with us before he moved away.

So yes, he seems to be going into this with an awareness of all the ins and outs and is happy to go along with it all, so that’s that. It’s all his decision and if he doesn’t take legal advice then that too is his choice.

We have told him we won’t be taking the offered £25k but thanked him for his offer. As has been said on this thread, he’s probably going to need a back-up fund.

FIL left about an hour ago and me and DH are off to bed now with a film as we feel drained. I just wanted to update you as I’ve had so much help and advise from you all.

OP posts:
Stovetopespresso · 23/03/2021 21:05

really keen to hear what if any update op has. sounds as if she and her dh are being royally shafted with poor FIL in the middle of it, and it's not too late for MN to save the day!

Graphista · 23/03/2021 21:08

@Alsohuman I don't claim to be an expert in this area but I think fil would be best server to speak to someone independent who is. The laws and regulations on these matters tends to be complex and deprivation of assets if proven can be very problematic

@MistressoftheDarkSide so sorry for all your family are going through. Conditions can side swipe families from the wide blue yonder! There's no knowing whats around the corner

@DoubleTweenQueen sorry you've been through that. In my experience both personally and professionally the majority of the time it's a gradual decline that accelerates near the end. My own family has had a few shock bereavements (big family would be weird if was none) but generally speaking it's not the case, depends on a family's medical history too, if there's a history of a condition that acts suddenly with little to no warning that can make that family more likely to have these type of losses, even if the condition isn't yet identified. I don't think it's premature to consider care costs, it's likely to be a factor within less than 20 years possibly 15. I can't see this sil and her partner being particular supportive when the situation arises

@Whatamesssss thank you

I definitely suspect some kind of financial emergency for sil and partner has triggered all this.

He’s highly unlikely to live to 105!!

Actually my grandparents generation tended to live into their 90's if in otherwise good health in their 60's, each generation tends to live a bit longer. I reckon my parents generation (in their 70's now) will easily live into their 100's and my generation (I'm 48) into 105+ and dds generation into 110+ IF they are in fairly good health by their 60's.

Doesn't mean they'll be in good health necessarily in their 90's, 100's but they can definitely still be alive and needing care.

It's this kind of thing why we have the census and planning.

The averages say 70's but remember that is an average so includes all the people that die young (car accidents, cancer etc) as well as those who far exceed the average.

diddl · 23/03/2021 21:11

@Stovetopespresso

really keen to hear what if any update op has. sounds as if she and her dh are being royally shafted with poor FIL in the middle of it, and it's not too late for MN to save the day!
It's behind above you!
ICouldHaveCheckedFirst · 23/03/2021 21:12

Appreciate you bothering to update us, OP.
No wonder you two are drained!

Twoforthree · 23/03/2021 21:14

What a mess. Well he can't say he's not been warned.

Stovetopespresso · 23/03/2021 21:14

thanks op I cross posted. it all sounds like a future disaster imo buy hey you've given it your best shot. it's his life and his money.

you might just need to consider the back up plan for your fil if the cabin arrangement doesn't work. £25k won't cut it. you could accept the £25k and keep it to one side for him.
you could suggest he buy a property in Skeg or wherever and give sil her share early to help her buy a bigger place.
have you told himself tactfully as possible you doubt sils attitude towards fil?
give it time he might see sense.

DoubleTweenQueen · 23/03/2021 21:14

@ThornAmongstRoses I'm not surprised you're both drained

NotAPanda · 23/03/2021 21:15

It’s going to be a rig je mess feel sorry for you OP! Good luck and god speed

Twoforthree · 23/03/2021 21:17

He might reflect on some of the things you said and it might make him a little bit more cautious.

diddl · 23/03/2021 21:18

"I asked why he wasn’t going to rent over there to make sure he liked the area, but he said he wanted to spend as much time as he could with us before he moved away."

He really is a cheeky bugger isn't he?

I'd be really tempted to tell him to fuck off & make his own living arrangements.

He's making it sound as if he's doing a bloody favour wanting to move in with you.

And he's only moving to Skeggy, not bloody emigrating!

It's not as if this time is the last yu'll have with him for the foreseeable!

Selfish bugger.

Graphista · 23/03/2021 21:20

And it turns out that SIL is 14 weeks pregnant.

Ugh!

And there's the "financial emergency"

I think many of us thought something like this would come out! So it's definitely not about fil at all it's about sil thinking she urgently needs a bigger home!

Sounds like she/they planned the "emergency" too!

Stinks of manipulation to me yep! To say the least!

She has 2 bedrooms at the moment - is it a house or what?

He hasn’t looked into anything legal as he didn’t think it was necessary

How VERY foolish of him, you both need to keep encouraging him to do this.

he seems to be going into this with an awareness of all the ins and outs

I completely disagree, if he had his head any further in the sand he'd be in Australia!

At this point I would strongly advise you and dh get your own legal and financial advice regarding how you're going to manage WHEN it all goes belly up and you're having to bail him out (because understandably you won't leave fil homeless and without care when needed)

I predict belly up point in less than 10 years

I would take the 25k and set it aside in a high interest account for him/to go towards helping him

This really is a total disaster waiting to happen!!

frumpety · 23/03/2021 21:24

She is pregnant, well that explain's the rush. They want and will need a bigger house.
Lets hope you have a planted a seed of doubt in his mind.

Graphista · 23/03/2021 21:27

They want and will need a bigger house.

Well they didn't when all this started as it predates the pregnancy by a fair way! They have CHOSEN for her to get pregnant based on their confidence in being able to persuade fil to fund a bigger house!

In addition, depending on what type of property they currently have, size etc it may not even be necessary for them to move.

MistressoftheDarkSide · 23/03/2021 21:27

Ah @ThornAmongstRoses

And there's the mic drop indeed.

Hope you get some rest tonight - very stressful all round regardless of outcome.

Still miffed on your behalf re the apparent subterfuge, but it is what it is.

Wishing you and yours all the very best.

And thank you @Graphista much appreciated.

Skiptheheartsandflowers · 23/03/2021 21:28

Oh dear. You tried.

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