The writer narrates experience of Mr.X — whose father had died leaving behind mutual fund units and a flat in Mumbai Housing Society.[2] While X could get credit for  units in less than 48 hours, Housing Society treated him [ and his brother who together with Mr X — were joint nominees ] as provisional members.[3] They couldn’t deal with the flat without a court order. [4] Very detailed study of the issues involved. [5] If short on time, please read the marked portion– Courtesy BS