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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".
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