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kano

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  1. It was the leasehold advisory service I contacted. Their reply: Thank you for your enquiry. I urge you to check your lease to determine whether the lease places an obligation on the landlord to insure the building and places an obligation on you to pay the costs incurred by the landlord in insuring your property. If such a clause exists in your lease then the landlord will have a contractual duty to insure your property and in turn you will have a contractual obligation to pay the landlord service charge in respect of the insurance. If you do not have a copy of the lease, you can get a copy from the Land Registry. Please follow the link to our on-line booklet on service charges for a more detailed explanation of your rights on this issue Welcome to the Leasehold Advisory Service;
  2. Hi, Don't worry about their threat letters demanding payment within 7 days or face legal action. I didn't respond to their last threat letter which I received over a month ago and surprise surprise, nothing has materialised. After I got the letter I decided to make a file of all of their letters I had received, I'd kept them all but they were scattered in various folders. I subsequently found exactly the same letter threatening legal action (which I also had ignored) from 2007! I wrote to some sort of ombudsman (can't remember the name) and their response was basically that it depends on your lease. Tomorrow I'll post their full reply. HOWEVER.. Today the old lady downstairs rang me and said that she'd received a different letter from some sort of legal firm. I'm not sure of the exact nature of the letter, but she said she'll be going to see her solicitor about it on Monday. Whether its another bull5hit letter or not I don't know. Personally I'm in the clear, because during the insurance dates they specified on their threat letter I wasn't actually the legal owner of the property, it was owned by my late father. I later bought the property from his estate. So if they want their cash they can visit the local cemetery and ask for it there! I wouldn't worry too much about it. Their argument is that your lease says you should be insured in a block. Your lease doesn't say that your ground rent collector should provide the insurance, you CAN get your own. Just like the law says you have to be insured to drive a car, you don't have to get your insurance from the government!
  3. The company is actually called "Freehold Managers PLC". Have done a bit more searching and apparently I had the right to opt out of their insurance scheme and provide them with details of my own insurer. However they never gave me this option and just automatically enrolled me into their insurance scheme which is out of order. Yeah I guess they will be making a nice little 10% on the side from Zurich! Strange that they only starting enforcing the insurance clause in the lease 5 years ago - I guess they smelled a nice few £££ to be made on the side. Anyway, a strongly worded letter will be winging its way to them on Monday morning telling them to stuff their county court claim where the sun does't shine!
  4. Hi, I live in a maisonette of 4 flats. About 5 years ago I got a letter from Freehold Managers PLC saying they were to start insuring all four flats under a block agreement and they required approx £115 from me for this. I already had my adequate insurance so I wrote back saying I did not want their insurance as I had my own and that I had no intention of paying. They subsequently insured me for another 2 years up till 2007 without my authorisation, and have frequently sent demanding letters requesting immediate payment, which I have ignored. Now apparently I owe them over £420 which I have 7 days to pay or they will take me to court. Is this a bluff? My neighbours have taken advice from local solicitors and they tell me to ignore the demands, but I'm concerned. I know Freehold Managers PLC are not a particularly ethical company to deal with, but can they get away with this? Any advice would be gratefully recieved!
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