understanding the insurance covenant

[Anna1985]

Gordon999, the trouble Is there are no services charges, just shared property maintenance and repairs divided in equal parts between leaseholders

[Anna1985]

Thank you for an update - congratulations for your perseverance!

[Anna1985]

Thank you, trouble is that it is freeholder responsibility to assess fire safety, and the lease doesn't seem to provide any option to recoup the cost of qualified opinion....

[Anna1985]

Are you remortgaging with the new lender?...

[Anna1985]

Indeed, our new cover was better and cheaper...

[Anna1985]

Thank you all, there are no service charges as such, but responsibility to pay for share of maintenance and repairs to the property.
however there is a requirement on freeholder to carry out the checks re fire safety

The only other clause that could cover it is:

To pay...

[Anna1985]

I think the legal costs would be more than the actual costs.
DI'd the FH shop for insurance around? We saved 300 pounds of ours last time we shopped around

[Anna1985]

Hi All, just confirming my understanding of the insurance covenant:

That the Tenant will at all times during the said term (unless such insurance shall be vitiated by any act or default of the owner lessee or occupier of any other maisonette comprised in the building insure and keep insured...

[Anna1985]

If I am not mistaken you have to maintain the structure of the building together.

I would say you have to pay.

However, you may have a case of historic damages against your co-freeholder and your seller.

In my case, we have to maintain parts of the structure used...

[Anna1985]

Thank you all. Filling in the forms. Payday was so close and so far away, again...

[Anna1985]

Or do I need to send them pre action protocol ?...

[Anna1985]

As a matter of fact they have unblemished record on trustonline.

yes, I saw the gov UK so basically fill in the form, once court actions it, then instrucinstruct agents?

[Anna1985]

Thank you for clarification.

I won the case and the judgement was made against my debtor, actually it is a private company and they have money in their bank account according to companies House.

So I take it I need to register a ccj against them - is it via MCOL online?...

[Anna1985]

Hi,

I was awarded a CCJ, and 14 days passed - no action or any info from the defendant.

So it seems I could instruct a sheriff - where to go to? Anything else to be aware off?

Thanks

[Anna1985]

What is the actual sum of increase? Just be mindful that most likely everybody will need to agree to the course of action and most likely it would end up in the tribunal.

[Anna1985]

If you require scaffolding it would add to the costs.

I would try to do the works before autumn and section 20z takes 3 months anyways.

Do you have reserve fund? Would be a good idea to dip into it.

[Anna1985]

And is there a service charge which covers the cost of repairs carried out by the freeholder and charged back to leaseholders?

If it is new build - any structural issues should be covered by warranty....

[Anna1985]

pater, thank you. I fully appreciate the process as a leaseholder and freeholder.


And yes, impunity is the right word. Imho, current process is not to benefit of LH/FH but to the benefit of the system.

We would be happy with any outcome but as it seems...

[Anna1985]

andydd
I have a proof now the paperwork is being received, though judging by the response, not actually read.

Do you know if the FTT costs could be added to the small claim preemptively?

The issue is here that LH doesn't seem to understand that there is a lease which...

[Anna1985]

Continuation of the saga.
the defence was eventually received, and debt being declined. So the directions are being served now.

However, other work via section 20 was carried out and the bill post works remains unpaid.

so, just to get my head right - I could either go...