Distributing the estate of one's father

Q: I want to know about inheritance (wirasat) matter according to Islam. We are three brothers and one sister. My father has passed away and he left 2 lak Rupees in the bank. He wrote my name as a heir (waris) in the bank. He didn't verbally say or wrote anything at home stating that I am an heir (waris) in his bank balance. Do my brothers and sister have the right to divide the money among them? The bank does not want to give anybody the money except me since my name is written as an heir only.  

Does nikaah take place by telling a boy "qabool hai" over the phone?

Q: About 10 years back I was in a boyfriend girlfriend relationship with a non Muslim boy and wanted to marry him. (Astaghfirullah) One day while we were talking over the phone, I got emotionally carried away and said qubul hai to him thrice like I had seen in the movies and series. That was it. There was no one else, no other thing or condition, I just spoke! Now was this a nikah?

I have sincerely repented for my mistakes and feelings for a non-Muslim boy from Allah Ta'ala and still repent daily for every wrong doing of mine! I would request you to. I am now married and a mother of one. 

Controlling one's anger

Q: I am getting angry and cannot control it. I do not stop to reason and calm down but I just blurt out whatever I want to say without thinking to my husband, and when he leaves the house I get back to my senses and think what is wrong with me. I have very bad scary dreams and I am very restless at night when sleeping. Secondly I want to know if rukya is permissible and can it be done by a female? My third question. I am in a 2nd marriage and I have kids from my first marriage. How do I divide my property, car, pension fund and money in the bank? I have one son and 2 daughters.

Washing the nails in wudhu

Q: I have a problem that disturbs my ibaadat, personal life and family life. This problem is concerning wudhu. In my fingernails, some of the upper nail layer are peeling because I have peeling my nail bed. Must water enter under these peels. I have harmed my nail a lot. Must water reach only the surface of the nail or under (and not the cracks) because my nail (nailbed) is cracked because I harmed it.