Freeholder Failed To Insure In Joint Names

BombayBadBoy

eddddy wrote: »

I think you probably need to instruct a solicitor to get proper legal advice.

From your post, you sound confused about how things work, so you may end up losing your claims.

Of course I have consulted a solicitor, but the costs will be huge so I am doing it myself. If need be I will instruct a solicitor

AdrianC

BombayBadBoy wrote: »

Of course I have consulted a solicitor, but the costs will be huge so I am doing it myself. If need be I will instruct a solicitor

The cost of a solicitor will pale into insignificance compared to the difference between winning (and having your costs paid) and losing (and paying the other side's costs).

BombayBadBoy

HampshireH wrote: »

Its sounds a bit confusing and a 9 page letter without reading it sounds like rambling which will bore a judge.

The letter/case is fine not confusing at all, remember I have already won the first case, I am in constant contact with the court, there are also 31 exhibits so far these included newspaper cuttings.

BombayBadBoy

eddddy wrote: »

I think you probably need to instruct a solicitor to get proper legal advice.

From your post, you sound confused about how things work, so you may end up losing your claims.

Are you saying that there is fire damage to the building which has not been repaired by the insurers?

If so, why have the insurers not paid for the repairs?

I cant post the entire case on here, well maybe after the claim is decided, I have already won the first case no solicitor and I am doing fine without a solicitor for now.


The insurance claim had been approved but I have to claim through the freeholder and he is trying everything he can to get out of paying for my damage, simply because he doesn’t want to see my damage repaired.

AdrianC

BombayBadBoy wrote: »

The insurance claim had been approved but I have to claim through the freeholder and he is trying everything he can to get out of paying for my damage, simply because he doesn’t want to see my damage repaired.

That makes zero sense at all.

If the claim has been approved, then the insurer has already said they'll pay. The freeholder is irrelevant, and wouldn't be paying anyway.

You seem to be conflating your contents damage - which wouldn't normally be covered by the freeholder's building insurance - with the repairs to the buildings. And you seem to be conflating the insurer refusing to pay for things that simply aren't covered under the policy with some kind of conspiracy against you by the freeholder.

With that kind of logic, I refer you back to William De Britaine's old saw about a man who acts as his own lawyer having a fool for a client.

BombayBadBoy

AdrianC wrote: »

But... You say you're terminally ill. Forgive me for the intrusion, but would likely timescales combined with your lack of obvious beneficiaries for your will mean that you may be better focussing your remaining time on something less... confrontational?

This freeholder has got a criminal conviction for bullying a 73 year old lady, he prays on the weak, his first property purchase was the freehold here 14 years ago, before this he lived in rented accommodation, he has made 3 to 4 million in 14 years.

Ideally I would like to die in peace at home in my own bed, I am fighting because I have to, you don’t seem to understand what is going on and I haven’t got the time to explain but I can assure you that this man is a property shark.

AdrianC

BombayBadBoy wrote: »

This freeholder has got a criminal conviction for bullying a 73 year old lady, he prays on the weak, his first property purchase was the freehold here 14 years ago, before this he lived in rented accommodation, he has made 3 to 4 million in 14 years.

Ideally I would like to die in peace at home in my own bed, I am fighting because I have to, you don’t seem to understand what is going on and I haven’t got the time to explain but I can assure you that this man is a property shark.

All of which is irrelevant to whether you have any legal case - and your health is going to be the primary determinant of whether you die in your bed than in a hospital or hospice.

If your property is currently habitable, then... you are already sleeping in your bed.
If it isn't, then... even if the funds were released tomorrow, how long until you can move back in?

isplumm

Hi

No going to comment on the sueing of freeholder ... but you are worrying about the flat going to the freeholder - don't see how that would happen?

But why don't you create a will leaving all your assets to a charity of your choice?

Mark

BombayBadBoy

AdrianC wrote: »

That makes zero sense at all.

If the claim has been approved, then the insurer has already said they'll pay. The freeholder is irrelevant, and wouldn't be paying anyway.

You seem to be conflating your contents damage - which wouldn't normally be covered by the freeholder's building insurance - with the repairs to the buildings. And you seem to be conflating the insurer refusing to pay for things that simply aren't covered under the policy with some kind of conspiracy against you by the freeholder.

With that kind of logic, I refer you back to William De Britaine's old saw about a man who acts as his own lawyer having a fool for a client.

The insurance policy in not in joint names it is in the freeholders sole name, so everything has to go thought the freeholder for his approval, I cant claim directly.

3 of the newspaper articles that are exhibits, the headlines are:

DRUG DEN SHUT DOWN

GUN RAIDER CLAIMS DRUG DEALER THREAT

£60,000 HEROIN HAUL AT AIRPORT

All these people where living in the freeholders flat.

BombayBadBoy

AdrianC wrote: »

All of which is irrelevant to whether you have any legal case - and your health is going to be the primary determinant of whether you die in your bed than in a hospital or hospice.

If your property is currently habitable, then... you are already sleeping in your bed.
If it isn't, then... even if the funds were released tomorrow, how long until you can move back in?

Half of my flat is a burned out shell, I have stripped out the carpets and wallpaper, I have boarded up the windows but there are several cold draughts coming in and it is very cold, there is a bad leak in the roof coming in through the ceiling caused by the fire, maybe lead flashing melted, I am still living here and I am sleeping in my own bed.


If the funds where released tomorrow it would take 4 days to repair, I have done emergency repair work myself, no one else has lifted a finger to do any work in 5 months.