We are Indians. My daughter was employed with JW Marriot Hotel and we were searching for a husband for her. Her husband and my daughter were introduced to each other through a matrimonial web site. At that time , my daughter was in full time employment with JW Marriot Hotel.As with all other girls , my daughter ( Khushboo - I shall refer to her with her name henceforth ) also wanted to have a place of her own after marriage. She liked the boy and once the marriage discussions were underway , she expressed the desire to her mother-in-law ( Grace- I shall refer to her with name henceforth ). Grace suggested her that they both buy a property jointly and after marriage they could move into that which Khushboo agreed. Of both of them , Khushboo was the only one with full time employment. As such her credentials were used to secure mortgage. However, the down payment was made by Grace. It was also agreed that once khushboo could manage to raise some funds , she would pay her share of the down payment to grace. This was done later after marriage.
Later Grace persuaded Khushboo to live with them jointly as the mortgage was to be paid. As such the property was rented and the mortgage is being paid from the proceeds of the rent. As a matter of fact there is a saving of GBP 100 from the rent proceed as the rent is GBP 1000 and the monthly mortgage payment is GBP 900.
The property was purchased for GBP 1,60,000 for almost 6 years back and the mortgate is for around GBP 1,95,000. ( I am sorry , but as the entire dealings were being handled by Grace , I do not have exact figures. Khushboo also does not have a copy of the property papaers ,except a copy of the letter from the lander approving the mortgage with supports her claim as co-owner of the property)
I wish to make it clear at this point that Khushboo does not with the acquire that property as sole owner , she just wishes to occupy this for her residential purposes and pay the monthly mortgate to the lander. She does not wish to disolve the ownership rights of grace , but it is that insted of living in a rented property and pay rent elsewhere , she wishes to live in her own co-owned property and pay the monthly mortgage.
Since Khushboo has sepered from her husband , grace is all out to harass her in ever way , i wish to know , whether Grace has any right to deny her entry and residence into the jointly owned property. As grace was handling all transaction related to the concerned property , she is in direct contact with the lender and as the rent was being paid into Grace's account , the monthly payment of mortgage was also being paid from Grace's A/c. Now if Khushboo wishes to occupy the property and pays the monthly mortgate what spteps she should take .
Khushboo has no intention to possess the property , but by moving into her own co-ownered property , she shall save lot of hassels as also contribute to the mortgage.