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Original poster

Should I give my mum her house back?

30 replies

OneMoreSecondChance · 28/04/2023 16:12

Really worried about my housing situation. DF died 4 years ago, leaving my disabled mum in their wholly owned home.
I was living with my parents at the time, following the breakdown of my relationship, and became my mum’s full time carer.
DM decided that she wanted to move, and wanted me and my two DCs to move with her. Unbeknownst to me at the time, however, she instructed the solicitor to put the new house in my name. She feels unable to deal with financial matters by herself and asks me to do everything in that vein for her (insurances, mobile phone, benefits, bank accounts, etc)
Now that everything has calmed down, I am really worried at having landed in this position. I pay all bills associated with the house, as well as a huge monthly life insurance premium to make sure my two siblings receive an equitable amount from my mum’s estate when she dies.
I feel very insecure with the way things are and am concerned about tax implications, and the cost of mum’s care in the future. Is signing the house back over to mum’s ownership the best thing to do?

OP posts:
privileged · 28/04/2023 16:19

I don't have much advice but have you confirmed the property is in your name? Are your siblings aware?

LIZS · 28/04/2023 16:20

I'm surprised any solicitor would do this without your explicit consent. Did you sign any land registry documents? Maybe go back to them regarding implications. It could well be treated as deprivation of assets for her care or benefit assessments.

DustyLee123 · 28/04/2023 16:22

I find it difficult to believe that a house is in your name without you signing anything

privileged · 28/04/2023 16:24

www.gov.uk/search-property-information-land-registry

If not 100% sure you can check for a few pounds.

LIZS · 28/04/2023 16:25

Do you have lpoa?

Quitelikeit · 28/04/2023 16:25

You should not sign the house back over?! That would be madness

However you ought to actually clarify if the property is in your name or if your mother meant that she has left it to you upon her death?

It is worrying that your siblings are not aware of this? It could cause many issues if they think they are due to inherit her property?

Is it worth much?

no you won’t owe tax at all if it’s in your name

You should ask your mum if you she has a will?

Also what type of policy pays out a huge sum on death? Keen to know as everyone goes at some point so surprised you can get a policy for a straight forward death by natural causes……

Tookeffort81 · 28/04/2023 16:44

Unbeknownst to me at the time, however, she instructed the solicitor to put the new house in my name.

oh don’t be daft op

Tookeffort81 · 28/04/2023 16:44

DustyLee123 · 28/04/2023 16:22

I find it difficult to believe that a house is in your name without you signing anything

It’s nonsense. Pure nonsense

MissLucyEyelesbarrow · 28/04/2023 16:45

Unbeknownst to me at the time, however, she instructed the solicitor to put the new house in my name

You bought a house with knowing? That seems...surprising.

Tookeffort81 · 28/04/2023 16:46

as well as a huge monthly life insurance premium to make sure my two siblings receive an equitable amount from my mum’s estate when she dies.

what on earth are you on about?

and you are the one dealing with financial matters?

bloody. Hell!

Hoppinggreen · 28/04/2023 16:47

well for a start nobody can put a house in someone’s name.
Also, if your Mum needs care it’s deprivation of assets and they will take it anyway

LadyMacbethssweetArabianhand · 28/04/2023 16:47

My parents put their flat in my name as my brother is toxic and a drunk spendthrift. However after some sarky comments from mum and Toxic Tim, I told her to get it put into her name. I had paperwork to sign both times. She couldn't just get it put in your name without you knowing about it

Whisper23 · 28/04/2023 16:52

Tookeffort81 · 28/04/2023 16:46

as well as a huge monthly life insurance premium to make sure my two siblings receive an equitable amount from my mum’s estate when she dies.

what on earth are you on about?

and you are the one dealing with financial matters?

bloody. Hell!

This could make sense actually. If OP's mum bought a house for X amount and put the host in OPs name then a life insurance for X amount x 2 would provide each of the other siblings with a similar amount. Only fair the OP pays the premiums as she's benefiting from any increase in house value in the interim and getting somewhere to live.

Tookeffort81 · 28/04/2023 16:54

Fgs you don’t pay premium for someone else’s life assurance

it has to come from the subject matters account

think about it…

Tookeffort81 · 28/04/2023 16:56

this is just all so daft

the op deals with everything

yet somehow a house was purchased in her name without her knowing about it

sure

Whisper23 · 28/04/2023 17:10

Tookeffort81 · 28/04/2023 16:54

Fgs you don’t pay premium for someone else’s life assurance

it has to come from the subject matters account

think about it…

OP could be giving that amount of money to her mother each month so she can pay the premium.

finallygotospeaktoSky · 28/04/2023 17:11

Very doubtful this is correct, perhaps op has misunderstood.

IWantRebeccasConfidence · 28/04/2023 17:13

Tookeffort81 · 28/04/2023 16:54

Fgs you don’t pay premium for someone else’s life assurance

it has to come from the subject matters account

think about it…

Not true, my mum took out a life insurance police on my dad, her ex husband. He had to sign to agree to it and didn’t want to but the court made him. Of course she would be the first suspect if he died. The policy covered until we were over the age of 18.

Tookeffort81 · 28/04/2023 17:14

Whisper23 · 28/04/2023 17:10

OP could be giving that amount of money to her mother each month so she can pay the premium.

Show quote history

Indeed she could.

But it is all nonsense anyway.

scary to think someone like this is in charge of the family finances

Flowersun6 · 28/04/2023 17:15

Tookeffort81 · 28/04/2023 16:44

It’s nonsense. Pure nonsense

Show quote history

🤣🤣

Tookeffort81 · 28/04/2023 17:15

IWantRebeccasConfidence · 28/04/2023 17:13

Not true, my mum took out a life insurance police on my dad, her ex husband. He had to sign to agree to it and didn’t want to but the court made him. Of course she would be the first suspect if he died. The policy covered until we were over the age of 18.

Show quote history

I have worked in insurance for 20 years

you can NOT take a life assurance policy out on someone else. In any scenario

Tookeffort81 · 28/04/2023 17:16

I will bow out

this is frustrating!

savoycabbage · 28/04/2023 17:17

What! Your mother went to court to force your father into having a life insurance policy against his will???

Tookeffort81 · 28/04/2023 17:17

IWantRebeccasConfidence · 28/04/2023 17:13

Not true, my mum took out a life insurance police on my dad, her ex husband. He had to sign to agree to it and didn’t want to but the court made him. Of course she would be the first suspect if he died. The policy covered until we were over the age of 18.

Show quote history

Your father obviously owed your mother money.

Whisper23 · 28/04/2023 17:18

Tookeffort81 · 28/04/2023 17:15

I have worked in insurance for 20 years

you can NOT take a life assurance policy out on someone else. In any scenario

Show quote history

Oh yes you can, as long as there is insurable interest. I'm a life insurance underwriter, I write these policies often. They're known as "life of another".

I don't think that type of policy is what OP is talking about but they do exist.

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