Legal Heirs

0 Votes Dear All, I Bindu Nagarjuna Allampudi is writing this to seek your advice on the below issue. My Mother Ramamurthy Hemamalini is holding a Staff Loan Account with State Bank of Hyderabad, Vanasthalipuram branch. She has passed away in the year 2009, leaving the housing loan uncleared. However I have cleared the entire debt and now the Bank's Law department is asking for Legal Heir Certificates to handover the Title deeds. The main issue here is my mother is not married to my father A.Vasudeva Rao legally as per the hindu law and there is no marriage certificate to prove it.After my father died, she started living with another guy(not married legally as he is having a wife by that time from whom he didn't obtain divorce from the court of Law). As a result of their living together, my sister K.Karunasree has born. After all these, my sister and myself are good in terms with each other. After my mother expired, as per her instruction in the employee pension, the state bank of Hyderabad, PPG department has granted us Pension under the Family Pension Scheme recognizing both of us as Son and Daughter of Ramamurthy Hemamlini. Now the same bank in which the housing loan account is being held is asking for Legal Heir Certificates to prove ourselves as the descendants of Ramamurthy Hemamlini. We are just graduated and can't afford to pay X% of market value certificate to the registrar and bear the charges for legal process. Is there any way to claim our mother's hard earned property, as we have already spent nearly 8 lakhs from from her terminal benefits. Many Thanks in Advance. Your valuable advice in this concern is much appreciated. Sincerely Bindu Nagarjuna Allampudi