I would seriously be grateful if anyone out there could help me with the freeholder from hell. I live above a shop and the freeholder owns the shop below and the freehold to my property. I have had my flat since 1988. The hairdressing shop has new owners from 2 years ago. I did not have any issues at all with the previous freeholder but the issues are now getting too complicated fro me to understand.
PREVIOUS FREEHOLDER- They paid for their building insurance and i paid for mine separately.Every year i got the gutters swept on a flat roof and they split the cost with me 50% 50% .
CURRENT FREEHOLDER- They approached me in NOV last year and told me that they were buying the building insurance for the entire property and i had to pay them half. They said i could continue to get the gutters swept and they would do a 50% 50% split.
In the exact same month my flat was vandalised from the outside and all my windows were broken/smashed. My own building policy expired a few days prior and i did not renew it because of freeholder insisting he purchased it and i split the cost.
I contacted the insurers HE choose and they said that vandalism or malicious damage was not covered. I paid in access of 2000 to replace all the windows and front door. I refused to pay 50% of freeholders building insurance.He later told me that because there construction works going on at the time he took the policy out and the shop had not yet opened for business that it was a basic cover.
Without by knowledge he managed to get a CCJ against me for not paying the insurance premium last year Nov 2015.This year he is telling me that it is the law that i split the insurance even though i have purchased my own separate building insurance.He is threatening to take me to court unless i pay .
He is also telling me that he needs access because he believes that i have altered the interior [ which i have not] and didn't get his permission.
He has refused too pay 50% for this year and last years gutter cleaning .He tells me its his responsibility as the freeholder to clean gutters and i must pay him.
The freeholder is a retired property lawyer. He also advises me that i am nit allowed to have a table and chairs like all my neighbours do and to remove a canopy
that has been over my doorway for 18 years.
The freeholder has been so aggressive and unreasonable that i told him he needed to contact the legal owner of the property which is my ex husband. When the property was purchased in 1998 it was registered in my sole name .The mortgage payments i have continued to pay . However, i divorced 10 years ago and the property was awarded to my husband 8 years ago. However, the freeholder states that as the registered owner i am still legally bound and responsible to pay him the 50% building insurance.he has notified the mortgage providers that i have failed to pay 50% of building insurance. he tells me he is going to get proceedings to have the property forfeited.
Does anyone know if its true that the registered owner is legally responsible? Do i have any rights to continue paying the building insurance separately?
This situation has caused me so much grief and i would love to get some answers!.
PREVIOUS FREEHOLDER- They paid for their building insurance and i paid for mine separately.Every year i got the gutters swept on a flat roof and they split the cost with me 50% 50% .
CURRENT FREEHOLDER- They approached me in NOV last year and told me that they were buying the building insurance for the entire property and i had to pay them half. They said i could continue to get the gutters swept and they would do a 50% 50% split.
In the exact same month my flat was vandalised from the outside and all my windows were broken/smashed. My own building policy expired a few days prior and i did not renew it because of freeholder insisting he purchased it and i split the cost.
I contacted the insurers HE choose and they said that vandalism or malicious damage was not covered. I paid in access of 2000 to replace all the windows and front door. I refused to pay 50% of freeholders building insurance.He later told me that because there construction works going on at the time he took the policy out and the shop had not yet opened for business that it was a basic cover.
Without by knowledge he managed to get a CCJ against me for not paying the insurance premium last year Nov 2015.This year he is telling me that it is the law that i split the insurance even though i have purchased my own separate building insurance.He is threatening to take me to court unless i pay .
He is also telling me that he needs access because he believes that i have altered the interior [ which i have not] and didn't get his permission.
He has refused too pay 50% for this year and last years gutter cleaning .He tells me its his responsibility as the freeholder to clean gutters and i must pay him.
The freeholder is a retired property lawyer. He also advises me that i am nit allowed to have a table and chairs like all my neighbours do and to remove a canopy
that has been over my doorway for 18 years.
The freeholder has been so aggressive and unreasonable that i told him he needed to contact the legal owner of the property which is my ex husband. When the property was purchased in 1998 it was registered in my sole name .The mortgage payments i have continued to pay . However, i divorced 10 years ago and the property was awarded to my husband 8 years ago. However, the freeholder states that as the registered owner i am still legally bound and responsible to pay him the 50% building insurance.he has notified the mortgage providers that i have failed to pay 50% of building insurance. he tells me he is going to get proceedings to have the property forfeited.
Does anyone know if its true that the registered owner is legally responsible? Do i have any rights to continue paying the building insurance separately?
This situation has caused me so much grief and i would love to get some answers!.
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