Leaseholders: Service Charges
Debate between Lord Campbell-Savours and Baroness Bloomfield of Hinton Waldrist
Lord Campbell-Savours (Lab) [V]
My Lords, is not the reluctance of some freeholders and their agents to provide information to leaseholders about their identity, along with their refusal to discuss leasehold and wider services charge issues, a flaw in the system? Why cannot the law be amended to allow greater transparency over freehold, leasehold and sublease title ownership issues, going further than the proposed Bill mentioned by the noble Lord, Lord Young of Cookham? Without greater access to such information, leaseholders lack leverage and are often powerless to influence service charges.
Baroness Bloomfield of Hinton Waldrist (Con)
I commend the noble Lord on his often interesting suggestions for the department, particularly on leasehold. I note that in the last series of questions, he suggested rolling up unaffordable services charges for vulnerable groups, and I undertake to take the idea of a debenture against property title back to the department if it has not already been considered. As for his question today, there are a number of existing ways in which leaseholders can obtain details of their landlord. A written statement of the landlord’s name and address must be given on request under the Landlord and Tenant Act 1985. Failure to comply with the request is an offence. In respect of information about service charges, any ground rent or service charge demand must include the name and address of the landlord. If that address is not in England and Wales, it must include an address in England and Wales at which notice may be served on the landlord by the tenant. Her Majesty’s Land Registry can also provide a copy of the relevant lease for a property for a fee.
Flooding Compensation
Debate between Lord Campbell-Savours and Baroness Bloomfield of Hinton Waldrist
Baroness Bloomfield of Hinton Waldrist
I agree with my noble friend, but it might be helpful to set out that “building on flood plains” is a catch-all expression. There are two different forms of flood plains; indeed, London is on one of them—I am not sure whether she is suggesting that we stop building here. However, high-risk flood zones, known as flood zone 3a, were developed as permitted, subject to Environment Agency concerns being satisfied. National planning policy is clear: inappropriate development in areas at risk of flooding from all sources should be avoided by directing development areas to lower risk. Where development is in a high-risk area and is absolutely necessary, sufficient measures should be taken to make sure homes are safe, resilient and protected from flooding. New housebuilding and most other forms of development should not be permitted in functional flood plains where flood water has to flow or be stored in times of flood. These flood plains are known as flood zone 3b.
Lord Campbell-Savours (Lab)
My Lords, if buildings are to be built on flood plains, why are they then excluded from Flood Re?
Baroness Bloomfield of Hinton Waldrist
I am not sure that the noble Lord is correct in that. Flood Re was introduced specifically to help with insurance for houses particularly at risk. The Government have that whole scheme currently under review.