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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:
randomlyLostInWales · 22/03/2021 12:07

I asked DH why once the new house has been bought, why wouldn’t FIL go and live down there with the family whilst waiting for the Cabin to be built, but although we can’t know for definite, I imagine it’s because SIL’s partner (they aren’t married) wouldn’t want him there. FIL is only allowed to ‘move in’ once the Cabin is ready.

Renting up there or buying an existing property would mean less delay all round - and renting would mean he can try living in the area.

I'd probably be asking FIL this.

frumpety · 22/03/2021 12:07

I imagine those cabins depreciate really quickly once sited, far better for him to buy his own place on the coast and if he wants to provide childcare he could do it at SIL's house. If he chose a flat in one of those over 55's developments, it gives him the opportunity to make new local friends. It can daunting enough moving to a new area, without being stuck in a shed at the end of someone elses garden !

MindGrapes · 22/03/2021 12:07

He's only 65?
Surely it'd be more straightforward all round for him to buy a property near sil with a granny flat already there?

Definitely get legal advice for him. He'll likely be around for a long time yet and things can change quickly in terms of changing minds etc.

Lancashirerose · 22/03/2021 12:07

An inheritance is not an inheritance until someone dies and leaves you something. For all you know your FIL could have developed dementia then have had to use the money from the sale of his house to pay for his care. It’s his money to do with what he likes I’m afraid.
Remember, your DH’s sister is taking on what seems at first glance as the majority of her DD’s money, but she may be setting herself up for eventually becoming his full time carer in the future (she maybe hasn’t realised that that could very well happen and it could!).
Just be thankful that your FIL has given your DH a share that is his to do with as he wants. Your SIL had probably unwittingly tied herself into something that she may not be able to get out of if she wishes in the future.

Derbee · 22/03/2021 12:08

I think it’s disgusting to be talking about your living FIL’s assets as your inheritance.

If a potentially vulnerable person is being manipulated and taken advantage of financially, it’s reasonable to be concerned, and want to protect him.

But then you need to have an open conversation with your FIL about the risks of

  • making himself homeless
-being used for childcare -being stuck living in the garden of people he may not feel welcome with Etc etc

Your only concern should be whether this is right for your FIL or whether a money hungry SIL is manipulating the situation.

But currently it sounds like the money grabby son (and you) is pissed off that the money grabby daughter is getting more money from their dad. It’s really ugly

poppycat10 · 22/03/2021 12:09

Mind you - 65? Why on earth is he doing that so young? 75 I could understand.

GrumpyHoonMain · 22/03/2021 12:09

I think your DH should raise this. It’s a huge red flag. He needs independant legal advice as a minimum and his name should be on the property. Otherwise if he out lives your sister your bil could just throw him out, keep everything, and pass it all on to his second family.

ThornAmongstRoses · 22/03/2021 12:10

65? Could easily live for another quarter of a century or more! And you were counting on inheritance for the kids university costs??

I only mentioned that because that is what FIL had said he’d like his inheritance to go towards (he was obviously talking in the sense of him passing away whilst the grandchildren were still young enough to have university ahead of them). DH’s mum died very unexpectedly so in the back of FIL’s mind is that fact the same could happen to him, that he could go at anytime (his words)....hence why he mentions the money he wants to leave to DH and SIL quite often.

Speak to him to gage why he went a to live there and why he would opt for a cabin in the garden rather than a place nearby!

I would really, really like to know the answer to this.

Me and DH just feel reluctant to talk to him about it all because we don’t want to upset him.

OP posts:
roundturnandtwohalfhitches · 22/03/2021 12:11

The secrecy thing is how you know that it's a scam. If he's only 65 he needs to be buying something independent for himself that he can sell and use if he needs care in the future. Or move back nearer you. This is financially disastrous for him. Your SIL will basically be stealing his money because if they fall out she is never going to sell up and give him his money back. I think this is financial abuse tbh.

Tiktaktoe · 22/03/2021 12:11

So, your SIL is GOING TO start a new job that along with your FIL's contribution will allow them to get a mortgage to buy a bigger, where they will build a cabin for FIL? All future tense.
Meanwhile your FIL has agreed with this future plan and has already sold his house and is planning on living with ye in the meantime?
That would be a hard no from me. Nothing to do with inheritance and everything to do with hoe batshit it is.
I would suggest to your FIL that he needs to rent a house near his Daughter while the 'loose ends are tied up'. To ensure that he really does want to live there before he commits himself fully.

Puzzledandpissedoff · 22/03/2021 12:12

If he wants to live near his daughter he could buy a lovely house for less than £200,000 in the Skegness area
It would be a better investment and give him more security

Exactly - but for whatever reason SIL's pushing the current idea instead.
If she's not especially close to the FIL and her partner's not especially friendly, are either of them open to the idea of doing all the caring once FIL's past happily wandering the seafront, or are they just seeing ££ signs?

As ever with inheritance issues there's been a lot of abuse heaped upon OP, but I wonder if she's really the one being grabby. In any case this goes beyond "expectations" and well into the realms of a thorough mess ... which, as said, is why careful legal advice is urgently needed

wheretonow123 · 22/03/2021 12:13

I have seen elderly people moving before late in life to be near some relatives that they had very little contact with and having major problems with settling down. One guy a couple of weeks.

The suggestion of him moving up to SIL's area in the meantime is not a bad one.

randomlyLostInWales · 22/03/2021 12:14

It does sound like your FIL hasn't thought this plan through. If he wants to live near his daughter he could buy a lovely house for less than £200,000 in the Skegness area.

Rightmove seems to have a few 1 bed flats for under 90K in Skegness.

At 65 I can see why he's want to move to seaside - we often end up in areas for work family reasons we perhaps haven't chosen - but this whole scheme does have potentail problems written all over it and there do seem to be less risky ways of getting up there and near SIL.

YetAnotherSpartacus · 22/03/2021 12:14

Your SIL is as dodgy as hell.

What's to bet that you will be responsible for FIL's care when he needs it?

Meanwhile, she will pocket the money and run.

I think you need to have a conversation with him about some of the underlying emotional issues - i.e. you, your DH and your children will miss him...

Derbee · 22/03/2021 12:14

Me and DH just feel reluctant to talk to him about it all because we don’t want to upset him

If you let him move away without discussing it, or telling him you’d like him to be near you/buy a house on his own near SIL etc, how on earth is he meant to know that you have a problem with it?

Why are people so reluctant to have honest open conversations?

wheretonow123 · 22/03/2021 12:15

Also your FIL to have sold the house without even telling your husband, his son, that it was up for sale - that seems very quick and hasty. Was there even a sign up on the house?

Could he have got more for it?

Lolapusht · 22/03/2021 12:15

@ThornAmongstRoses

Surely he would be better buying a place in a retirement village with care facilities he could draw on if the need arose.

He mentioned something very similar to this about 18 months ago when he was musing over his future, so when he told me and DH that he had sold his house (before telling us about the plan with SIL) we assumed he was planning into moving to one of those type of accommodations.

I asked DH why once the new house has been bought, why wouldn’t FIL go and live down there with the family whilst waiting for the Cabin to be built, but although we can’t know for definite, I imagine it’s because SIL’s partner (they aren’t married) wouldn’t want him there. FIL is only allowed to ‘move in’ once the Cabin is ready.

Even better! Your FIL gives SIL £90k deposit plus pays for a £130k cabin, new house goes into DP’s sole name with no Deed of Trust to protect SIL’s money, DP kicks them both out and keeps the house.

Timescales for finding the new house...when does SIL start her new job...can they afford it on just one salary...who’s name will be on the titles for the new house???

BronwenFrideswide · 22/03/2021 12:16

Your FIL seems to be sleep walking into a minefield of potential problems most of all legally, this has disaster written all over it.

It sounds like it was presented to him as such a lovely and thoughtful idea and he hasn't bothered to look at or even think of any downsides.

He needs urgent legal advice as to the future implications of all this plus what would happen if he is not happy with the arrangement after a period of time? Can he force the sale of the property to recoup his £90k to fund another property for himself? Will he have an interest in their property for the £90k?

Take the inheritance out of the question and look objectively at what your FIL is signing up to.

Sgtmajormummy · 22/03/2021 12:17

65? That’s barely into retirement. Is he suffering from depression and still grieving from (what I presume was) his wife’s premature death?
All the more reason to suspect manipulation.

hellgirl · 22/03/2021 12:17

@skirk64

YANBU. The money should be split equally. If the FIL wants to live with SIL, then surely he can own a share in their new home, which can then be split equally once he dies? Either the SIL can by your DH out, or she can downsize again.

As it stands the FIL is screwing one child over in favour of the other, which is utterly abhorrent.

Totally agree
Lampzade · 22/03/2021 12:18

I would be concerned that SIL will not even push for planning permission for the annexe once she has her new home with her large garden. You may be ‘stuck’ with FIL for the foreseeable future.
Tbh , if I were in your position I would be a bit resentful

Sosigsandwich · 22/03/2021 12:19

This is awful. As others have said the poor man is alive, it's his money to spend not your husband's inheritance. Very grabbing.

Lolapusht · 22/03/2021 12:19

Another one...does he get a say in what house they buy?????? Or does he just have to live where they chose????

Turefu · 22/03/2021 12:19

I can’t see both sides. Man is still alive , but daughter will be benefited more. Perhaps DH should gently talk to his father? But how old FIL is? If kids are about to go to uni, 70ties maybe? If in good health, he may easily live another 20years and daughter will looks after him.

Whetstone · 22/03/2021 12:20

Wondering if dear old grandad knows that he needs to cark it in time for the grandkids to go to university?

And they wonder why the Donkey Sanctuary does so well.

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