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If your cousin is the Representative in a Letter of Authority, she does not become the owner of the property.
You can either contact SASSA's helpline or request paralegal assistance.
Once you transfer the house to your niece, it is legally hers to with as she pleases.
You could contact the Financial Sector Conduct Authority.
RDP houses are only given to first-time homeowners but you can apply for CRU.
I don’t think your wife’s employer can be compelled to retrench his employees during the lockdown.
You could contact the office of the Human Settlements Ombudsman and tell them what has happened. The Ombudsman is the official who must assist to resolve disputes involving housing matters.
Consider asking for assistance from an organisation like Lawyers for Human Rights, which has a Statelessness Unit that deals with problems like yours and has a lot of experience in dealing with DHA.
The debt review payments protect you from having your house repossessed. If you miss even one payment, the debt review ends.
It was almost certainly not legal. Here are some options for your mother.