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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:
Hoppinggreen · 22/03/2021 11:33

I commented earlier and said that while FIL is alive there is no inheritance and I stick with that
BUT is there a concern the daughter/partner is pulling a fast one? She gets the money to buy a bigger house and suddenly they can’t get pp or some other rubbish while FIL is getting comfy at OPs house?

lottiegarbanzo · 22/03/2021 11:33

My concern is definitely for your FIL. I think his son's should be too.

GabriellaMontez · 22/03/2021 11:33

Imo he should stay with or very near SIL.

Unless you have a massive house and it's no problem if it takes a year to find the right place.

I'd be a little concerned about the legalities. Where will his money from the house go? Will he have any ownership of SIL house. Whose name will it be in? What If they split?

Why was he so secretive about it? I would ask him this question...

But agree with others, you dont have entitlement to anything as hes still alive.

Giantrooster · 22/03/2021 11:33

It's his money etc, etc.

But you need to tell fil to consider two things.o

He probably cannot sell a cabin in someone's garden. If the relationship breaks down or he just cannot get used to living there, he will effectively have no money and nothing to sell to move elsewhere.

Secondly you need to tell him to rent until this is all put into effect, it could be years finding a new house, get a cabin built etc. In effect Sil will be holding up his money, I think him renting will show him he needs to have money not tied to her, so to speak.

I get this is so hurtful for you and your dh, but even though you don't believe it now, having elderly frail parents to help is a massive strain (just look at the elderly parents board) so perhaps sil isn't that lucky. What I would make sure of, is that if relations break down with sil and fil, you are not the ones to look after a care-needing penniless fil.

Tell him to protect his assets to give him choises in the future.

Grenlei · 22/03/2021 11:34

His money, his choice.

Inheritance is only ever notional - it's not like certain European countries where family have to inherit a certain proportion of the estate, FIL in this case can do what he wants, blow the whole 250k in a casino or leave it to a cat's home!

No one should ever plan their future finances based on a potential inheritance. It's distasteful; I know an older couple local to me, their only child has been telling them for years how they should sell their home and give the money to her because she'll 'be getting it all in the end when they're gone' so why should she and her equally lazy and entitled DH have to work hard for anything now?!

Nanny0gg · 22/03/2021 11:34

I also hope he's taken independent legal advice.

What will happen if it doesn't work out? Won't be easy to get his money out. And if he doesn't get on with his son-in-law...

ThornAmongstRoses · 22/03/2021 11:35

skirk64 but sil will be likely providing care electricity and meals etc why should op and her dh get money when they haven't helped with any care.

Why will she providing care??

And he’s buying his own food and contributing to their bills for the water, gas and electricity he will use.

OP posts:
MindGrapes · 22/03/2021 11:35

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.

Aside from the rest of it, I think you are right to be concerned about this. I'd assume this will take the best part of a year, for her to sell, buy and get a cabin built.

I think he needs to look at using some of his money for accommodation in the mean time and you need to make this clear now, unless you are happy to have him live with you indefinitely.
Is SIL a fairly practical person or is this likely to drag on?

I think YABU to think SIL is 'doing very well' out of it.

Lostinthemail · 22/03/2021 11:37

@ThornAmongstRoses

”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.”

I would say no to that. Chance your mind, just like your fil did. Let him use some of the 225k to rent his own place. Having him stay with you is almost certainly going to cause bad feelings.

We said yes to him staying when he lead us to believe that he was looking for a house in the same town we lived in and that it would just be a stop-gap between selling his house and looking for one that he liked in the area.

It was only after we agreed to him staying for a few months did he tell us what was really happening.

So he wasn’t even honest. Don’t feel obligated to house him, he has money he can use. He may not like that idea, but that’s his problem.
womaninatightspot · 22/03/2021 11:37

Not all of the cabins type stuff requires planning permission. We know someone who put a converted shipping container in their (large garden) and because it's technically moveable it doesn't need planning permission. It's wood clad and quite lovely, insulated warm, shower room etc.

Does your garden have space for a 40 foot container? You can buy them for about 25K why doesn't he do that at yours if he's going to be there six months and it'll be good practice for him to decide if adjacent living is for him.

ThornAmongstRoses · 22/03/2021 11:37

My concern is definitely for your FIL. I think his son's should be too.

It is.

SIL has never shown any real interest in FIL - yet suddenly all this is taking place at her suggestion.

It just doesn’t sit right with us, I think I will take on board what everyone has said surrounding the legalities of it all and suggest he gets some legal advice about the intricacies of it all.

OP posts:
JetBlackSteed · 22/03/2021 11:38

We have a cabin in the garden. It cannot be used to live in, because we don't have planning permission.

ThornAmongstRoses · 22/03/2021 11:38

Does your garden have space for a 40 foot container?

I wish it was that big Grin

OP posts:
frumpety · 22/03/2021 11:39

If I was him, I would buy a little flat or bungalow to live in.

www.rightmove.co.uk/properties/103924196#/

www.rightmove.co.uk/properties/103924196#/

CaraherEIL · 22/03/2021 11:39

The fact is if he was going to independently buy a plot of land that could cost 90K and then build a cabin on it which he is paying for from the sale of his house and then added to that get lifelong care, family at the end of the garden I think your husband getting 25K free and clear is amazing.

dontdisturbmenow · 22/03/2021 11:40

How do you know he won't leave the cabin to your DH? I'm sure they can be moved.

Of course, he might end up in care or might have but isn't because your SIL will look after him.

So many ifs, no point or right to be upset now.

TrickyD · 22/03/2021 11:40

Ignore all those telling you are grabby. There is a hard core on MN who resent anyone receiving an inheritance, and they probably overlap with all the landlord haters. Just jealousy.

You are being treated unfairly.

Does DF realise that if your DB died, God forbid, all the assets would go to SIL, and, worse case, but possible, scenario, should she remarry, DF’s money could pass completely away from his family?

Worth getting legal advice.

Teardrop2021 · 22/03/2021 11:40

ThornAmongstRoses I assume if hes health deteriorated. This is a grown man aslong as he got capacity hes very much entitled to do what he pleased, hes stated hes looking forward to living to the coast, to being around his dgc yet you have a problem with it because of you're dislike for sil and the reduced maintenance. You need to respect his decision.

LyingWitchInTheWardrobe · 22/03/2021 11:41

I think the only thing that your husband can reasonably do is to speak to his father about getting proper legal advice so that his daughter isn't left in a mess because things do crop up that cause unforeseen issues.

If FIL gets professional advice then that will safeguard all parties - including him.

I don't think it's good to be speculating about future inheritances but it's a hot topic here so clearly very many people do just that.

Figrollface · 22/03/2021 11:41

I think I'd try and talk to father in law and see if he's considered other options.
If he puts all his money into sister in laws property and it doesn't work out he has no assets to rely on for alternative living arrangements.
Has he thought about what could happen if he becomes to infirm to be cared for at home, what about if his daughter became ill and couldn't care for him. What if she and her family had financial issues and had to sell up or who knows what else could happen besides?
They should change their property search for a large house with a granny flat included for around the 90K and father in law should keep the rest of his money for his future.
I think he needs a trial run of living there to see how it all goes. Could he rent nearby for a while?

ThornAmongstRoses · 22/03/2021 11:41

So he wasn’t even honest. Don’t feel obligated to house him, he has money he can use. He may not like that idea, but that’s his problem.

No - and I think that hurts DH too.

To accommodate FIL my children are going to have to surrender their playroom and I’m having to surrender my office. It’s not like he’s easily slipping in and it just hurts that this is being asked of us for an indefinite length of time whilst God knows what SIL is doing.

OP posts:
Moelwynbach · 22/03/2021 11:42

Probably going to better living with his daughter if you are trying to garb his money before his pulse has even stopped.

lottiegarbanzo · 22/03/2021 11:42

Yes, do get advice. The difficulty of extracting his money if things change is a big concern. I don't know the details of the 'deprivation of assets' rules concerning care-home fees but that is one concern (SIL might have to sell up to pay a care home). Then there's the possibility of him changing his mind but not being able to sell his cabin independently.

ssd · 22/03/2021 11:43

I think FIL has been talked into this by SIL and her dh, who the FIL dislikes. They've seen a way to make money by selling it as something FIL will like. They clearly don't have his best interests at heart if they visit him so seldom. This assumption that SIL will take care of her dad is squewed..

I'd be worried op and your dh needs to talk to his sister and BIL.

but it does seem rheres too many people here seeing FIL as a money pit for the future...

Bluntness100 · 22/03/2021 11:43

Again, how old is he op?

It’s the fact you have both out a time line on his death and decided how to spend the money people are objecting to. Saying his will is fifty fifty is one thing, but it’s fifty fifty at the point of death. Not now. The man is making arrangements to be comfortable and not alone as he ages, he will have his own accommodation and have people close by. Even six months of him is worrying you. The sister could have decades. Also as your husband doesn’t talk to his sister you’re both making a shed load of assumptions about her motivation.

Your fil is happy with his plan. That’s all you both need to know and understand. The will will be split fifty fifty on his death. The value of that will be determined at the time. Which ultimately could be long long after your kids habe left uni.