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Hi,

 

I have a piece of land beside my house, and this is not a flood plane. It is bushes, and trees. There are 2 drains at this land and they had fences built over them by the council, which led to the area being flooded on several occasions. One of the times I had to make a claim through my buildings insurance, which shot the insurance right up. I have tried to get insurance since then, but been told that they want assurances we will not be flooded again (bit like asking me to stop it raining!)

 

Anyway, the council has since moved the fences to go around the drains.

 

I have pictures of the fencing before and after, also the flooding outside, and the flooding reaching my floorboards inside the house.

 

I spoke with the council today asking about this as I am looking to buy a bit of land as per my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?270656 and was hoping to get it at a discount price. They said this was a totally different issue, and would need to take it up elsewhere.

 

I am looking for some advice on wither or not I should contact a lawyer? This happened around 3 years ago last November/December.

 

Also, does having no buildings insurance void my Mortgage?

 

Kind Regards

 

Colin

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Yes your property is effectively the lenders insurance on the loan,and so there is a requirement to have it insured against damage.

Would not do any harm to be seeking legal advice from a firm specialising in this area.

Make sure that you have the Councils responses to you in writing.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The responses I have are that they will be doing some work on the drainage. I don't have anything else from them, and certainly nothing admitting it was there fault. Should I pursue with a complaint to the council 1st, and see what they say?

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Yes wont do any harm to go down this route first.

If it gets on the right desk who knows ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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