His mother didn't promise to pay the money back - she said she would if she could. This is not a contract with even the most liberal interpretation of a contract.
Also, if you voluntarily put the insert in the house - without an agreement that you would be entitled to it back if you were to split, you're going to have a tough time. However , you can claim ownership of it and try to recover it. If you meet resistance, you'll have to sue for the right to recover it.
"She said that she did not have the money to pay for it or she would". She was saying she did not have the money to pay for it when the payment came due in May 2009. At that point in time she did not have the money to pay it off or she would of. That is why she said this:
She said to me that "I should pay it off and if something were to happen to us, she would make sure he did the right thing, or the right thing would be done and I would be FULLY reimbursed".
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).