Q1problem
[25 marks]Tom and Uma purchase a cottage together as joint tenants in law and equity. Tom contributes 60% of the purchase price and Uma contributes 40%. Five years later, Tom writes a letter to Uma stating: "I wish to sever our joint tenancy so that we each hold our own separate share." Uma does not respond to the letter. Tom subsequently dies in an accident, and his will leaves all his property to his sister Vicky. Uma claims the entire property by survivorship. Vicky claims Tom successfully severed the joint tenancy before death. Advise Uma and Vicky on the ownership of the cottage.