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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

It's an inheritance one - but not as you know it!

93 replies

Feelingbuffeted · 04/09/2020 18:57

I don’t know why I am posting this. There is a small WWYD aspect to it, but mainly I have been thinking a lot about this situation and just wanted to let it out as I can’t bear to talk to anyone about it in RL. Will try to keep it as brief as possible.

My FIL died a few years ago, leaving behind his second wife, my DH and DBIL (everyone else outside the UK for info). DH’s mum died when the boys were young and FIL remarried about 5 years before he died. DBIL has a degenerative physical and mental condition and lives in a care home. Everyone was devastated as FIL’s death was unexpected and he was close to his children, GC and extended family.

FIL died without leaving a will. In the days following his death, his wife went back and forth to the bank and (illegally) cleared out his accounts. Literally every penny. There was no property, shares etc. so this was the whole estate. It was like one horrible shock after another as we realised there would be no money to pay for my DBIL’s care.

Although DH and DBIL were legally entitled to a significant share, their lawyer said they would lose much of it in fighting the case as step-MIL had immediately left the country. Bottom line, she is long gone with FIL’s money and we now pay for BIL’s care. We are lucky in that we are just about able to cover it, but we worry about exchange rates, redundancy or escalating care costs. It also means we cannot save for retirement right now, or help our children as they move out etc.

While all this was going on, my DF died as well. My DM said she wanted to be nearer to us. We were not particularly close, largely because they made little effort with the kids over the years i.e. not visiting, not calling on birthdays etc. Despite this, all the difficulties with DH’s family and the day-to-day issues of school, work etc., we helped DM sell her house and move here. We now have a reasonable relationship. I call her every day, see her a couple of times a week, do bits and pieces for her in the house etc.

So, in summary, DH and I have each other and our lovely children. Also DH’s aunties, cousins etc. go out of their way to support us and DBIL, which we really appreciate. We are also grateful that we are still working in the current situation and just trying to do the best we can. But it has been a crappy few years and we have inherited financial worries that are unlikely to go away. There is a WWYD coming up honest so thank you for staying with me!

Over lockdown, my DM mentioned almost in passing that when she dies, she is leaving her house and money to a disability charity. She says me and my DSis have “done very well for ourselves” and she wants to be able to “help someone who needs it.” DSis and I and our partners have decent jobs but we are not loaded at all. We are just regular, hardworking people (think teachers etc.). Rightly or wrongly, me and my sister see this as some kind of statement about how our DM feels about us. Ironically, DM has chosen a charity that she has no personal connection to but that provides the kind of care that we are paying for on a monthly basis for my DBIL (DM knows about this).

I know it is DM’s money and her decision. I also know that my DBIL’s care and the impact it is having on us financially is absolutely not her responsibility in any way. Also hopefully she will live for many more years so this will unfold very much in the future. And of course we haven’t been helping her in expectation of some kind of ultimate pay-off. But despite all the above I can’t help feeling upset, especially after what happened with my FIL. I know they are two different stories, but from where I’m sat it just feels like we have always been there for our parents and yet we have been treated pretty harshly by both sides if that makes sense?

DSis says she’s not surprised by this news given how difficult our DM can be (she is LC with her for this reason). Likewise, DH says I should just leave it alone. But I feel like I want to say or do something, even if it’s just to scream into a pillow! So that is my WWYD I guess. Should I say something to my DM, step back a bit from helping her, or just keep on keeping on?

Thank you so much for reading this and sorry it was so long…

OP posts:
randomer · 04/09/2020 19:56

Is she a nascissist by any chance?

Feelingbuffeted · 04/09/2020 19:58

Thanks for all your responses. Apologies if some of my OP wasn't clear but my ILs are not in UK so the laws/social care are different, as chocolate has guessed.

Basically, there is no state social care so someone has to pay for it. We are BIL's closest family so that is us. Would be great if there was another option but there isn't sadly.

Likewise, a couple of you suggested that what SMIL did might not have been illegal. It certainly was in this case as you are not allowed to move money between accounts when someone dies in my IL's country until the authorities have been notified etc. And a lot of the money was in my FIL's name only - she took it out the maximum daily allowance in small amounts with a debit card so it's clear she was doing something underhand at best. Again, I guess that in the UK the bank would spot this, but hey-ho.

With regard to my own DM, it was really helpful to hear some of you suggest I should just say something to her. My DH is against it as he says she knows perfectly well what our situation is and she has done this anyway i.e. she's not going to change her mind and will just upset me further. I'm minded to give her once last chance to think about it and then go LC with her as I just can't get over this after everything else we've been through.

I'm probably oversharing now, but I realise that parts of the story just sound plain bizarre from a British perspective so wanted to reassure you I'm not making this up! Thank you so much for the solidarity - it is such a relief to actually tell someone about everything, even if it is anonymously!

OP posts:
Serendipity79 · 04/09/2020 20:01

Re your BIL's care, please check that he's getting all the help he can do, as there should be support and money available to support him.

Re your mum - I would be devastated by how she's behaved. Moving nearer to you sounds like a ploy to get you to look after her when she's older tbh and deliberately leaving her money to charity - I don't really have any words for that. Whatever I leave behind on this earth will go to my kids, I cant really imagine how people do any different unless they're not actually in contact with their kids for whatever reason.

I sympathise with the mum issue as my own mum refused to take out any kind of life insurance or funeral plan and when I asked her how we were meant to pay for her funeral she said she couldn't afford insurance and once she was dead it wouldn't matter to her anyway. :(

Thelittleweasel · 04/09/2020 20:05

@Feelingbuffeted

In UK under intestacy rule for a small estate then she would be entitled to all the estate. If it were a joint account then she is also [in UK] entitled to the money by survivorship. If it is not a joint account then - of course - she should not touch it until "letters of administration"

If that is not the case in the country concerned then all that can be done is to alert the authorities there

SandyY2K · 04/09/2020 20:06

I'd be very upset by what you mum had said and even more so...as she wasn't close to you...or your kids, but was quick to suggest moving closer when your dad died.

She sounds like a user and I'd not be impressed.

Is she likely to change her mind if you mentioned it and how works you really know she had, even if she says she had?

Why wouldn't she even want to leave anything for her GC? I think that's mean of her.

frumpety · 04/09/2020 20:06

Just out of interest OP how old is your Mother ? Has she already made the will ? Just wondering if she has had some unsolicited phone calls recently from a charity, did she mention the name of the charity she was thinking of leaving all her wordly possesions to ?

HollowTalk · 04/09/2020 20:10

The OP said it's one that's to do with the BIL's illness.

ithinkiveseenthisfilmbefore · 04/09/2020 20:11

I would be blunt with your mother and tell her your circumstances have changed, she knows that, and she's essentially prioritising strangers over her own daughters and their families.

I'd also probably take a big step back from her, tbh. She's happy to take from you I see ... support and help and time ... but planning to stick two fingers up from the grave. Cow.

Geppili · 04/09/2020 20:13

I second @frumpety's idea

UnpaintedPaint · 04/09/2020 20:15

I agree, I would tell your mother that this is hurtful, and ask that she shares her estate with you and your sister.
So that her family can benefit directly., not some CEO’s bonus increasing at a charity.

And if she doesn’t agree, as others have said, distance your self.
She doesn’t care very much about your families welfare

frumpety · 04/09/2020 20:15

What have you got to lose by telling her how hurtful her intentions are ? She is leaving all her money to a charity, if she is being honest about the will. If you cut back on contact the only person losing anything is her ?

Cruachan31 · 04/09/2020 20:17

What would happen to your bil if you couldn’t afford to pay for his care?

Tartyflette · 04/09/2020 20:17

If what your late FIL's wife did was illegal in the country where she lives I would definitely inform the tax authorities/financial police/'fisc'.
It was a greedy, shocking, thing to do.
Even if this was a few years ago i'm sure the authorities would be interested, as apart from the criminality, when a person dies there are often taxes to pay to the State out of the deceased estate. And if there's any money in it for them.....

yolio · 04/09/2020 20:19

Oh dear.

Why would she mention it at all, if not to stir things up.

All I said to my beneficiaries was where my will was (with solicitor) and you will all be looked after. But they are not grabby and I am not playing any games either.

ConquestEmpireHungerPlague · 04/09/2020 20:20

Is it possible that in a weird and misguided way she thinks by leaving her estate to a disability charity, she is expressing support for you and people like you who have disabled relatives to think about? It seems curiously specific to your situation otherwise. I think I would be tempted to do some digging into the charity's financial reports and see what percentage of donations get used for actual disability care (as opposed to admin etc) and then educate her as to the benefit that your BIL could derive from her money if she decided to deploy it more directly. If she takes umbrage, it doesn't sounds as though you'd be any worse off. I'd keep the emotion out of it though. My experience of difficult relatives is that telling them how badly they're treating you rarely yields fruit.

JulieHere · 04/09/2020 20:21

What a bitch. I hope she gets some sort of come uppence.

hadtojoin · 04/09/2020 20:22

Is she telling you that but has actually left it to you and DSis or not even written one? She may think you will pander to her in the hope that she will change her will in your favour. Like dangling a carrot in front of you both.

Ginger1982 · 04/09/2020 20:22

Where are you OP. In Scotland, for example, you cannot disinherit a child/children. I would take some legal advice.

Palavah · 04/09/2020 20:23

I can't see how your relationship with your mother will continue if nothing changes, so you don't have anything to lose by speaking to her about it. Be calm and factual - you might want to get a pension illustration for example - when you let her know your financial position.

iwantmyownicecreamvan · 04/09/2020 20:25

I would tell her that you wouldn't dream of treating your own children in such a hurtful way, no matter how "well" you consider them to have done. A parent's will is their last message to their children, it tells them how much (or how little) they meant to their parent, so now you know.

Sssloou · 04/09/2020 20:26

I am sorry that you have been through so much grief, fraud and betrayal as well as been left with so much responsibility.

I would speak with your DM together with your DSis.

You don’t need to take this all on yourself.

As PP said - there are lots of scams or even persuasion tactics that could be a good conversation opener for you. I would also approach in about your DC needs.

I would approach it over a few conversations. Let her think things through.

But if I got any sense that she was doing this out of spite - or was goading you - I would be crystal clear what your next moves are - and would not even tell her that you are NC.

Also what were your DF wishes do you know - especially with respect to DGC? Does you DSis have DCs?

foxyroxyy · 04/09/2020 20:31

Your mum is a c u next Tuesday I'm afraid.

Talk to her and when she continues with it as she will immediately go LC/NC.

krustykittens · 04/09/2020 20:34

Your mother is a bitch, OP. To leave her money to a charity while allowing her daughter to face an impoverished old age in a country with no social care when she could so easily do something about it is cruel. It's more than a bit of fuck you. She only wants to be family when it suits her.

frumpety · 04/09/2020 20:38

Is she telling you that but has actually left it to you and DSis or not even written one? She may think you will pander to her in the hope that she will change her will in your favour. Like dangling a carrot in front of you both.

I see this scenario a lot in my profession.

BackforGood · 04/09/2020 20:38

Everything @Sssloou said.

What your Mum has done is very hurtful. Even if she thinks you ad your sister are doing alright, I can't understand why she wouldn't want to help her Grandchildren.

Whereas, yes, legally and morally it is correct that it is up to each of us to choose where our estate goes after we die - that is, after all the point of a will - it is also quite a statement to choose to not leave something to your descendants out of an estate that will include the sale of a house. If she had a strong desire to leave a lump sum to any particular charitiy (or, indeed spread amongst several charities) then that is one thing, but to leave the whole estate, when it isn't even something she has been involved with, or has had years of support from, is strange.
I would have that conversation with her. I would also point out that she expected you to do what you can to help her, when she moved, since she moved, and, presumably well into the future, and ask why the 'family love' is only expected to flow one way.
I don't think you have anything to lose, and think it would be better than having it gnaw away at you. I would try and get her to look at it from the pov of her grandchildren - how difficult it is to get a start in adult life these days, and in her knowledge that money you had been saving to help your dc was now having to go to your BiL's care so even if she thought so little of you and your sister, I would ask that she gave some thought to her grandchildren.