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Buying a flat - Disclosure to the Freeholder for their building insurance policy - NO protection


Buying a flat - Disclosure to the Freeholder for their building...

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JASB
JASB
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Hi,

As part of my wishing to start a new life I - like many others- wondered about renovating a place and selling it then start again.

I found a flat in a building of 5 flats that met my budget and plans. I put an offer in and received the legal docs - in particule the leasehold agreement from the Freeholder.
Prior to sending it to a solicitor I had a quick read. Imagine my surprise when I found a clause concerning unspent convictions. In brief it stated I had to declare my conviction to the freeholder and for it to be provided to the relevant insurance company.

I got legal advice and spoke to my PPU/Probation Officer with replies suggesting that's life. When I asked how am I assured confidentiality by a freeholder not telling other leaseholders the reasons for an insurance increase, still no answer. 

Obviously I could not risk my attempt at a new life so terminated my offer.





Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
AB2014
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JASB - 31 Oct 19 2:40 PM
Hi,

As part of my wishing to start a new life I - like many others- wondered about renovating a place and selling it then start again.

I found a flat in a building of 5 flats that met my budget and plans. I put an offer in and received the legal docs - in particule the leasehold agreement from the Freeholder.
Prior to sending it to a solicitor I had a quick read. Imagine my surprise when I found a clause concerning unspent convictions. In brief it stated I had to declare my conviction to the freeholder and for it to be provided to the relevant insurance company.

I got legal advice and spoke to my PPU/Probation Officer with replies suggesting that's life. When I asked how am I assured confidentiality by a freeholder not telling other leaseholders the reasons for an insurance increase, still no answer. 

Obviously I could not risk my attempt at a new life so terminated my offer.




Sadly, nobody in an official position will be pro-active about it, as there would be no evidence of an offence being committed until somebody decided to react, so Sloping Shoulders come into effect. AngrySad Also known as Somebody Else's Problem.

=========================================================================================================

Robert Lightfoot, former head of NASA, said it succinctly in his parting speech in April 2018: Protecting against risk and being safe are not the same thing ... [W]e must move from risk management to risk leadership. From a risk management perspective, the safest place to be is on the ground. From a risk leadership perspective, I believe thats the worst place [we] can be.

JASB
JASB
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AB2014 - 31 Oct 19 3:13 PM
JASB - 31 Oct 19 2:40 PM
Hi,

As part of my wishing to start a new life I - like many others- wondered about renovating a place and selling it then start again.

I found a flat in a building of 5 flats that met my budget and plans. I put an offer in and received the legal docs - in particule the leasehold agreement from the Freeholder.
Prior to sending it to a solicitor I had a quick read. Imagine my surprise when I found a clause concerning unspent convictions. In brief it stated I had to declare my conviction to the freeholder and for it to be provided to the relevant insurance company.

I got legal advice and spoke to my PPU/Probation Officer with replies suggesting that's life. When I asked how am I assured confidentiality by a freeholder not telling other leaseholders the reasons for an insurance increase, still no answer. 

Obviously I could not risk my attempt at a new life so terminated my offer.




Sadly, nobody in an official position will be pro-active about it, as there would be no evidence of an offence being committed until somebody decided to react, so Sloping Shoulders come into effect. AngrySad Also known as Somebody Else's Problem.

Hi
Agree. Mind you who are we to complain when MP's get such hassle
Have a good weekend.

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
J J
J J
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JASB - 31 Oct 19 2:40 PM
Hi,

As part of my wishing to start a new life I - like many others- wondered about renovating a place and selling it then start again.

I found a flat in a building of 5 flats that met my budget and plans. I put an offer in and received the legal docs - in particule the leasehold agreement from the Freeholder.
Prior to sending it to a solicitor I had a quick read. Imagine my surprise when I found a clause concerning unspent convictions. In brief it stated I had to declare my conviction to the freeholder and for it to be provided to the relevant insurance company.

I got legal advice and spoke to my PPU/Probation Officer with replies suggesting that's life. When I asked how am I assured confidentiality by a freeholder not telling other leaseholders the reasons for an insurance increase, still no answer. 

Obviously I could not risk my attempt at a new life so terminated my offer.




i'd have asked the solicitor to have the clause removed.... 
JASB
JASB
Supreme Being
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jcdmcr - 5 Jul 20 8:11 PM
JASB - 31 Oct 19 2:40 PM
Hi,

As part of my wishing to start a new life I - like many others- wondered about renovating a place and selling it then start again.

I found a flat in a building of 5 flats that met my budget and plans. I put an offer in and received the legal docs - in particule the leasehold agreement from the Freeholder.
Prior to sending it to a solicitor I had a quick read. Imagine my surprise when I found a clause concerning unspent convictions. In brief it stated I had to declare my conviction to the freeholder and for it to be provided to the relevant insurance company.

I got legal advice and spoke to my PPU/Probation Officer with replies suggesting that's life. When I asked how am I assured confidentiality by a freeholder not telling other leaseholders the reasons for an insurance increase, still no answer. 

Obviously I could not risk my attempt at a new life so terminated my offer.




i'd have asked the solicitor to have the clause removed.... 

Hi

this reply to my post has just popped up though dated last Oct

Nice idea but a solicitor would fail as it is the building insurance managing the "risk" for the building that asks it. I assume you have car insurance, same thing..

Thanks

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
GO


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