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If the estate is under R250k you can distribute your father's assets. If it is worth more the process is considerably more complicated.
There are several different ways of buying municipal land.
You could take your mother to Legal Aid and ask them to approach the court for a declaratory order that your mother is the legal owner of the house.
If one of the parents is South African, the girls are automatically South African citizens.
Unfortunately, although government said in 2015 that they were considering extending the grant for people still at school, this did not happen.
You should notify the bank that you intend to defend yourself on the grounds of reckless lending.
it may be best to contact the Cape Town Deeds office, but because you have to visit the office in person, you may prefer to go to the Deeds Office in King Williamstown.
The new owners cannot evict you without a court order. You are covered by the Extension of Security of Tenure Act of 1997.
It is a complicated question but this may be a person's best chance to own a property.
You can seek a court order which forces the owner to turn the electricity back on. He can't evict you without a court order.