(I.) I apologize I am not a lawyer I am representing myself
and I realise this is as difficult for you as it is for me.
(II) I put in two Skeleton Arguments for permission to
appeal.
The first skeleton argument was after receiving an official
transcript of ‘7 pages’ of the ‘second Judgment’ in Sept 2011.
I submitted Skeleton II Argument after receiving the
defendant’s solicitor’s incomplete ‘notes’ of the ‘first Judgment’ sent to me
by the courts in Dec 11’.
I apologies for the length of both skeletons so what I am
going to try to do is to reduce the points I’m making to the bare minimum.
(III)
1. Quick
point. ‘THE LANDLORD’S LIABILITY’ 6(5) (a) & (c) also ‘THE LANDLORD’S
COVENANTS TO INSURE’ Clause 7(ii) and finally the definition of ‘INSURED
RISK’S’ Clause 1(11).
The
Judge failed, in his final second Judgment by the ‘expressed’ terms of the
lease, by saying:
“After the insurance payment of Jan 2006, previously
mentioned in 09/09/10 Judgment, ‘the fact that the insurers took the view that
the defendant was at fault’ (D2/407) does not mean, in my Judgment, that the
defendant was in breach of any ‘duties’ to the claimant.
Nor does it follow that the defendant was in breach of a
duty to advance an insurance claim on the claimant’s behalf.
I read the letter of the 3rd July 2006 (D2/489 –
490) as a request by the claimants for compensation from the defendants.
It is the insurances response which is described as
extremely slow and un-helpful but in the letter the defendant was not asked to
do anything about that.
I mentioned near the end of my Judgment on 9th
Sept 2010 the series of letters mentioned by the Claimant in their letter to me
of 25th July 2010, two of which are referred to again in paragraph
39 and many others also feature in paragraph 46 to 48 and the letter at C/181
is also referred to.
It still seems to me that no blame can attach to the
defendant for the failure on the claimants part to persuade the insurers to pay
them. The claimants by their loss adjuster were in direct communication with
the insurer and the defendant did nothing to prevent or hinder it.
The loss adjuster may have experienced some ‘lack of
information from time to time from employees of the defendant’ but that is a
far cry from the defendant being in breach of ‘duty’ and ‘even if it were’,
such lack of information did not result in the refusal of the insurers to pay
the claimants what they were asking for. D3 669,672,696 and 710.
Again the fact that ‘the insurers took the view that the
defendant was not covered’, even on the basis that the ‘defendant ought to have
remedied the defects earlier and so was not covered by the terms of the policy’
does not lead to the conclusion that the defendant acted in breach of ‘duty’ to
the claimant.
The defendant’s duty was in my Judgment as ‘neighbouring’
occupier, as I explained in my Judgment of the 9th Sept by reference
to ‘Guild’ Case.”
(IV) The Judge gave Judgment 9th Sept 2010
without taking into account of or either reading our submissions on liability.
Proof of this is he gave a second Judgment on the 22nd
Sept 2010 where he admitted that that was so (appeal bundle) for that reason
alone his Judgment should be set aside and a new trial ordered.
A detached bystander would be driven to the conclusion that
what the Judge was trying to do after having given his Judgment was to defend
his earlier Judgment. That I submit is bias.
(V) Unfortunately there are no transcripts of the hearing;
Judge Cowell said I could not appeal without transcripts.
I have no money. I therefore asked Master Hendy if
transcripts could be made available at public expense. He ordered that they
could. Sixteen months later no transcripts had been prepared of the Judgment.
What had happened was the courts never sent the tapes to the
transcribers.
We now have to rely on the ‘defendant’s’ incomplete notes,
which I do not except are accurate.
And in support of the essential proposition here I’d refer
you to Vural, Barrett and Hargrove:
1. Vural Ltd v Security Archives Ltd (1989)
60 P&CR 258 – Chancery Division
BRIEF SUMMARY OF
RELEVANT FACTS, CONTEXT AND DECISION
The landlord’s predecessor let
the property to the tenant. Under
the lease the tenant agreed to pay a proportion of the building insurance
premiums and the landlord covenanted to insure the building and (in the event
of damage by an insured risk) to use the insurance proceeds to make good the
damage. A fire destroyed the
parquet floor within the property and this caused the tenant indirect loss as
it lost a lucrative manufacturing contract with a customer because the
manufacturing contract was conditional on the premises having a floor of a
certain quality. The evidence
apparently showed that the landlord had deliberately delayed reinstating the
floor in order to persuade the tenant to give up the lease. The tenant sued for damages to
compensate for its loss.
Was there an implied duty on the
landlord to pursue the claim with the insurance company in a timely
manner? Held by the court that
whether it was an implied term of the lease or whether the insuring covenant
whilst limited nevertheless created an enforceable proprietary obligation,
either way the landlord was obliged to exercise the rights conferred by the
insurance policy in such a way as to preserve the tenant’s interests in what it
had paid for.
NOTE: On the face of it the Vural case seems to involve a deliberate attempt to cause loss to the
tenant much the same as our case pleaded involving many other issues but
significantly for this authority the £5,000 entire replacement of the floor
claim due to flooding an ‘insured risk’ and the then subsequently improper
inducement of a section 25 notice threat by Oliver Barnett Commercial Director
to double the rent if we did not fix it ourselves constituting statutory
harassment leading directly to the trespass shortly after was an attempt to end
the tenancy.
Judge Cowell states us as being ‘in direct contact with the insurers’
but this was through their complaints process and was a requirement of the
Financial Ombudsman Service only happening in 2007 two and three years after
the events claimed for. If his honour means the ‘independent loss assessor’
Alan Hines that is not the insurer and we were in touch only with our landlord
and the broker. The landlord ‘hid’ for many years from the us the fact that
they had breached the terms of their own insurance leading the us to wrongly
believe from the landlord and broker who told us they were experiencing delays
that it was the insurers who were very slow. This deceit directly ‘stood in the
way’ of the POL ‘Property Owners Liability’ an ‘insured risk’ being claimed as
a normal process in the disrepair.
The landlord equally breached the terms by never applying for ‘cessor
of rent’.
Judge Cowell in Judgment
muddied the waters without contextualising the extent of ‘contact’. We believe
this was an attempt to ‘relieve’ the landlord from its own insurance
obligations. Our own loss assessor was brought in much later as we were paying
rent without a floor on threatening demands and were equally never paid
compensation for the thousands we had already lost not trading and in interest
on having to take out more and more loans and without Alan Harris we’d have
never known that in fact the landlord breached the terms so the insurers would
not pay.
2.
Barrett
v Lounova (1982) Ltd (1988) 2 EGLR 54 – Court of Appeal
BRIEF SUMMARY OF RELEVANT FACTS, CONTEXT AND DECISION
The tenancy of a house required
the tenant to keep the interior in
good condition but there was no express obligation on either the landlord or
the tenant to keep the exterior in
good condition. The tenant
complained that disrepair of the structure and exterior had caused extensive
water penetration and damage to internal plaster and timbers.
The Court of Appeal held that the
principle of ‘correlative’ obligation could be applied here; the tenant had an
express covenant in respect of the interior and it was reasonable to imply a
mirror-image covenant in respect of the exterior on the part of the
landlord. If the outside was not
kept in good condition then sooner or later the tenant would be unable to
comply with its covenant in respect of the interior. An obligation to repair the outside had to fall on someone
and that someone could only be the landlord.
NOTE: this decision was made in the context of a residential house but
as a small commercial business the ‘correlative’ obligation point seems to be
central to the Court of Appeal’s thought process, and therefore it would seem
that the tenant succeeded in this case because the court concluded that the
tenant could not comply with its own
obligations in the absence of the landlord having an implied obligation to
maintain the exterior and structure.
There are obviously
separate issues as to the nature and extent of the landlord’s obligations. Barrett was seemingly a case where the
landlord had no express repairing
obligations, and it is a different matter to imply further obligations in circumstances where the lease does set out
some repairing obligations, especially if those more limited obligations do
seem workable in principle and are not in conflict with what a reasonable
landlord and tenant might be assumed to have intended such as being insured for
the ‘risks’ of ‘water ingress’ from the stack pipes and from the pavement which
required ‘maintenance’, which was correctly proved by the claimant’s to be
demised and the Judge judged was demised to the landlord.
1.
Hargroves
Aronson & Co v Hartopp and another (1905) 1 KB 472 – Divisional Court
BRIEF SUMMARY OF RELEVANT FACTS, CONTEXT AND DECISION
A rainwater gutter in the roof,
which was controlled by the landlord, became stopped up. The tenant informed the landlord but
the landlord failed to clear the gutter until 4 or 5 days later by which time
rainwater had seeped into the tenant’s premises causing damage.
The Divisional Court held that as
the gutter was under the landlord’s control it had a duty to take care that it
was not in such a condition as would cause damage to the tenant’s
premises. The landlord had
‘notice’ of the gutter being stopped up and failed to clear it within a
reasonable time and was therefore responsible for the damage done. The court took the view that despite
the absence of a covenant to maintain the roof and gutters in good condition
the landlord was nevertheless under a duty to take reasonable care to prevent a
gutter under its control from being blocked up so as to cause damage to the
premises of the occupier below.
The fact that the landlord never inspected the gutters and then delayed
carrying out repairs even after receipt of notice of the problem was evidence
of a failure to discharge that duty.
The court felt that this was particularly the case in relation to
something like a gutter which was an artificial construct used for the purpose
of carrying off rainwater and which it therefore had a duty to ensure was
actually performing the function for which it had been constructed.
NOTE: this is helpful to the claimant’s position, although it is only a
Divisional Court case (less authoritative than the Court of Appeal) and it is
also quite an old case. The pavement was an artificial construct put in by the
landlord in 2000. In court ‘notice’, was proven to be given as soon as
problem’s occurred. Further damage was caused as stated by not only the
claimant’s but by the insurance by the landlord’s delays to remedy defects for
the stack pipes, the pavement, the fire exit, the electricity cupboard and all
other issues that were brought forward in this case.
The Judgment has many aspects that can be criticized. In
short the Judge overlooked that the essential points was that the entire mess
was because the landlord failed to claim on the insurance on time.
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