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Original Correspondents “Just Points”
Ø
15-12-2020 DM650314 = Enfield Council Insurance “Picks Up Explanation of Claim”
(a) Enfield Council Insurance part 1 (1)
-15-12-2020.docx
(b) Enfield Council Insurance part 1 (1)
-15-12-2020.mp3
(c) Enfield Council Insurance part 1 (2)
-15-12-2020.docx
(d) Enfield Council Insurance part 1 (2)
-15-12-2020.mp3
(e) Enfield Council Insurance part 1 (3)
-15-12-2020.docx
(f) Enfield Council Insurance part 1 (3)
-15-12-2020.mp3
(g) Enfield Council Insurance part 1 (4)
-15-12-2020.docx
(h) Enfield Council Insurance part 1 (4)
-15-12-2020.mp3
Ø 25-12-2020 DM650313-25 = Enfield Council Insurance “No Answer / I leave a message”
(a)
kay - DM650313-25-12-2020.WMA
Ø
22-01-2021 DM650317
(a)
Kay - DM650317-22-01-2021.WMA
Ø
22-01-2021 DM650318 = Enfield Council Insurance “No Answer”
(a)
Kay - DM650318-22-01-2021.WMA
Ø
22-01-2021 DM650319 = Enfield Council NEW Whistle Blowing
Policy “Picks Up
Housing transfer”
(a)
Enfield Council NEW Whistle Blowing
Policy - DM650319-22-01-2021.WMA
(b)
https://www.horrificcorruption.com/simonscases
“The documents are at the bottom of the webpage”
Ø
22-01-2021 DM650320 = Enfield Council Insurance “Picks Up Housing Transfer also tells me about DAC Beachcroft”
(a)
Kay - DM650320-22-01-2021.WMA
Ø
22-01-2021 DM650322 = DAC Beachcroft Nigel Adams “1st
Picks Up / Helps me find claim handler”
(a)
DAC Beachcroft 1st Call -
DM650322-22-01-2021.WMA
Ø
25-01-2021 DM650323 = DAC Beachcroft Nigel Adams “2nd
Picks Up / Helps me
find claim handler”
(a)
DAC Beachcroft -
DM650323-25-01-2021.WMA
Ø
25-01-2021 DM650324 = DAC Beachcroft David Knapp “No Answer”
(a)
DAC Beachcroft -
DM650324-25-01-2021.WMA
Ø
25/01/2021 - 09:18:40
= 1st Email David Knapp to me /
DAC Beachcroft
(a)
Would
you kindly note that I have been instructed by the LB Enfield as a
consequence of your letter of 10 August 2020.
(b)
Your recent conversation with Kay Osborne at Enfield refers.
(c)
However,
for the future, could you please send all communications in this matter to
me.
(d)
Firstly, an apology. I was instructed in mid-December and having
spoken with my client drafted a letter to you that was to be sent in hard
copy form from my office confirming my instruction. That letter was due to
go out on 23 December but unfortunately was not printed and sent out (I
currently work remotely) to you
(e)
Turning
to your claim itself I note that in your letter you referred to
documentation and evidence being completed, presumably that means collated
by you
(f)
I assume you will then send a Letter of Claim setting out in detail
the basis of what I assume is a claim for compensation.
(g)
Can you please confirm and give me a timescale as to when the Letter
is likely to be received by me? Once received, I can consider with my
client the way forward.
(h)
I anticipate this will be a complex matter
(i)
my preferred method of communication is by email to ensure clarity
of expression and provide a record of what our respective positions and
understandings may be.
(j)
I hope you might agree that this is the best way forward and I look
forward to hearing from you.
(k)
I cannot usefully say anything until I know what your claim is
about. I am sorry but experience tells me that it is better to get clarity
at an early stage in any claim.
Ø 25/01/2021 - 10:01
= 1st Email from
me to David / DAC Beachcroft
(a)
I
Personally would prefer to have some form of contact by way of telephone with
yourself due to the size of the case and to aid in a speedy claim.
(b)
would
it please be possible for you to contact me today as of the 25/01/2021 on
the following telephone number as a matter of urgency.
Ø 25/01/2021 - 12:02:35 = 2nd Email David
Knapp to me / DAC Beachcroft
(a)
I would rather communicate in writing rather than by telephone.
(b)
Please therefore can you supply by email to me details of your claim
against my client.
Ø
25/01/2021 12:48 = 2nd Email from me to David / DAC Beachcroft
(a)
As
Enfield Council understands I have problems writing so much in an email due
to the years that I have been forced to suffer.
(b)
My
mother does help me when writing to people but not even she can explain
what I have been put through in detail as she does not live with me.
(c)
It
is impractical for me to start to explain the breaches of my Human Rights
that have occurred over the last Eight Years by email to which I am
claiming for and all the dates involved to each offence that has taken
place let alone the corruption and criminal offences that i have been
forced to undergo.
(d)
I
do not intend to make all communication to you by phone alone but to
balance the weight of the scenario to which we are both trying to be
resolving. so, both phone and email would be best and or a meeting to take
place.
(e)
I
have built a website that documents most of what I am claiming about, and I
have put the files under Simon's Cases under the menu bar at.
(f)
Website:
Horrificcorruption.com
(g)
You
can take a look there if you wish to / Audio and Diary are a good place to
start.
(h)
As
you may have noticed I am using a Yahoo email account I also have a Hotmail
account, and both are limited to the amount of documentation that any
person can send, and these limits make using emails useless as I have
collected a lot of evidence to support my claim that I believe would be
mandatory for you to receive.
(i)
When
using my website, I am allowed to send campaigns that have no limit to what
can be sent by email and my intentions are for me to soon upload the last
stages of my defence that is labelled as "Report Years" this is
where the general public will be able to interact with what has happened to
me illegally and unmorally. I hope to have the Report years
section completed by latter today. Once this is finished, I can send
to you and all other who were or should be involved the documents that you
and they require.
(j)
I
have already won all the case's brought against me at court and will not
except the Enfield Council's wrong doings to myself. especially in the
magnitude to which they have committed
(k)
I
wish to speak to you on the phone today so I can direct you to some of
the relevant parts contained within the website Horrificcorruption.com
before i go public for the first time in the hope of other options arising.
Ø
25/01/2021 - 14:14 = 3rd Email David Knapp to me /
DAC Beachcroft
(a)
I am afraid that I am not prepared to discuss the claim without you
putting in an email what your allegations are
(b)
I do not require a lot of documentation with your email, just a few
core documents will suffice.
(c)
I strongly advise you however to seek independent legal advice.
(d)
Your claim appears to be complex
(e)
more importantly, some or all of it may be time barred as a
consequence of the operation of limitation.
Ø 27/01/2021
DM650327 = DAC
Beachcroft David Knapp “No Answer / I leave a message”
(a)
DAC Beachcroft -
DM650327-27-01-2021.WMA
Ø
27-01-2021 DM650328 = DAC
Beachcroft David Knapp “No Answer / I leave a message”
(a)
DAC Beach Croft
DM650328-27-01-2021.WMA
Ø
17-02-2021 DM650330 = DAC Beachcroft David Knapp “No Answer”
(a)
DAC Beachcroft DM650330 -
17-02-2021.mp3
Ø
23-02-2021 DM650331 = DAC Beachcroft David Knapp “He picks up”
(a)
DAC Beachcroft DM650331 -
23-02-2021.mp3
Ø
01-03-2021 DM650332 = DAC Beachcroft David Knapp “No Answer / I leave a message”
(a)
DAC Beachcroft DM650332 -
01-03-2021.mp3
Ø
02-03-2021 DM650334 = Enfield Council Insurance “No Answer”
(a)
DAC Beachcroft DM650334
02-01-2021.mp3
“Kay Really”
Ø
02-03-2021 DM650335 = DAC Beachcroft David Knapp “No Answer / I leave a message”
(a)
DAC Beachcroft DM650335
02-01-2021.mp3
Ø
02/03/2021 - 16:43:50
= 4th Email David
Knapp to me / DAC Beachcroft
(a)
I refer to your recent voicemail messages. I am afraid that I am
unable to access a Letter of Claim on your Website.
(b)
Nor do I understand why you are putting details of your claim on a
website rather than emailing me with your Letter of Claim and then putting
it, if you wish, on your website.
(c)
To confirm my email below, I do not require a large number of
documents to be attached.
(d)
With respect therefore, please put your allegations in an email to me
so that I can understand the nature of the claim that you are making.
(e)
I do not want to debate this further on the telephone with you: I
would ask that, for the sake of clarity, all communications are by email.
(f)
I cannot in any event discuss the matter with you until I know what
your claim entails.
(g)
I strongly suggest you obtain independent legal advice on this
point.
Ø
02/03/2021 - 18:07 = 4th Email from me to David / DAC Beachcroft
(a) I have not added my letter of claim to my
website "www.Horrificcorruption.com" were my evidence of reason
for claim is held.
(1) partly for security reasons.
(2) I have already explained to you in past
conversations and messages that I cannot send the files by email due to
their size and
(3) I also explained the cost of making hard
copies to get sent while claiming low rate benefits due to the hardship
this claim has caused me.
(4) I would load it up to my website for
public interests in the belief that it would get the right feedback.
I have not yet to publish the website to any
other person or professional body as of yet but for the reasons listed
above that's why I would.
(b)
What I have done is just uploaded it to a separate server that I own
for ease of access and due to having Microsoft Word on that server, in
fact I was considering loading it up to the
website Horrificcorruption.com only earlier today, to being able
to start an appeal / campaign in respect of the matters.
(c) I have given you the Web link on the phone to
the server with just the letter of claim and you can see by the size of my
diary the Malicious process alongside much more when considering I won all
of the cases already in the courts of law also implementing the criminal
aspect of what can be easily proved by overseeing the documents or Audio
that I have referred you towards.
(d) And I believe from all
of the complaints that have already been made to your clients and others
that are preserved in detail, you can make the right assumptions of my
claim being accepted for being right in my favour.
Ø
02/03/2021 - 18:33 = 5th Email David
Knapp to me / DAC Beachcroft
(a)
I
am afraid the draft Letter of Claim is a seemingly very long recital of the
law, which I do not think is necessary, without any detail of your
allegations against specific individuals or departments of my client and
without detailing specific events.
(b)
It
is essential for you to particularise your allegations in a document of
moderate length.
(c)
Unless
you are prepared to do so, I cannot take matters further forward and I can
only invite you to proceed as you see fit.
Ø
02/03/2021 - 18:41 = 5th Email from me to David / DAC Beachcroft
(a)
I
also forgot to mention
(b)
That
I have prior explained to you that I have uploaded the audio calls of
complaints to your clients inclusive of the phone calls to their insurance
claim handler "Kay" that were made in audio, which explain in a
fairish detail what my claim is for
(c)
I
have also taken the necessary time to transcribe as many audios as
possible at the present time. This is inclusive of the emails and calls to
yourselves where I gave clear instructions of case management.
•
You
can check our past conversation in the letter of claim here.
•
Audio Files
https://serverone.hopto.org/Audio%20Files%20Link/
•
Just
use control "F"
and search for
(1) "kay" = Enfield
Insurance
(2) (DAC) = Yourself
(3) QBE
and so on under file name "0/
Index Stuff is a timeline of all calls made."
The file you would require is
"Main = Fresh Com New Timeline MP3'S.docx" for an
"Index" of Audio alone.
The direct link is
https://serverone.hopto.org/Audio%20Files%20Link/0.%20Index%20stuff/
(d)
In
the records to yourself I clearly explain how to manage the rest of the
document e.g. "The headers & Diary."
(e)
The
links below provide information about what my claim is in part about as
this is one of the last conversations to Kay Enfield Council Insurance when
she asked me to explain as much as I could.
(f) Enfield Council Insurance part 1 (1)
-15-12-2020.docx
Enfield Council Insurance part 1 (1)
-15-12-2020.mp3
Enfield Council Insurance part 1 (2)
-15-12-2020.docx
Enfield Council Insurance part 1 (2)
-15-12-2020.mp3
Enfield Council Insurance part 1 (3)
-15-12-2020.docx
Enfield Council Insurance part 1 (3)
-15-12-2020.mp3
Enfield Council Insurance part 1 (4)
-15-12-2020.docx
Enfield Council Insurance part 1 (4)
-15-12-2020.mp3
(g)
If
you need any more information, please do not hesitate to contact me.
Ø
02/03/2021 - 19:27 = 6th Email David
Knapp to me / DAC Beachcroft
(a)
Thank
you for your email. I am afraid that I am not going to listen to
transcripts or recordings of telephone calls.
(b)
I
must insist on a properly particularised letter of claim.
(c)
Again,
I suggest that you obtain independent legal advice.
Ø
02/03/2021 - 19:48 = 6th Email from me to David / DAC Beachcroft
(a)
If
you pay close attention you will notice in the links, I provided you with
the is a file extension of Docx which is a word document and not audio Mp3 that
you would listen to as I have prior transcribed the claims reasons to Kay,
and this would be sufficient in most circumstances.
E.g., As this is how the police take 999
calls by audio and they would transcribe them if necessarily for persons
that would get charged.
(b) I Feel that your points of view are a deterrent
from me making a claim.
(c)
You
understood the years that I have suffered so should understand the size of the
files due to this principle and also this make me feel that no person can
get justice with the way you are advising for my claim to get handled
E.g., if a company or person does
something of unjust then if they keep filing the paperwork and overload it
as such a solicitor would not handle the case due to is size and complex
nature causing the victim not to be able to receive justice.
(d) I will continue to try and make the case less
complex for you if that is your wish as I can clearly evident my claim.
(e) P.s as prior explained I have transcribed the
conversation of me making the points clear to Kay and put you in receipt of
them documents
Ø
03/03/2021 - 12:06 = 7th Email David Knapp to me /
DAC Beachcroft
(a)
I
have read some of the transcript of your telephone call to Kay Osborne. I
am afraid it is not a clear account of precisely what your claim is, almost
certainly because Kay did not have the benefit of a letter of claim
(b)
There
is also within the transcript much
that is irrelevant to any civil claim.
(c)
It
is not my role to try to work out what your claim is
(d)
particularly
when I am paid from the (limited) public purse.
(e)
Please
would you serve a Letter of Claim upon me
(f)
failing
which I do not think there is any purpose served by continuing this
dialogue.
(g)
You
will then have to proceed as you see fit.
(h)
I
can only suggest again that you take independent advice.
Ø
03/03/2021 - 13:43 = 7th Email
from me to David / DAC Beachcroft
(a)
To
David I have read your email and taken on board what you have suggested.
(b)
This
led to me needing to understand more about the policy itself
(c)
therefore,
I request a copy of the ensures underwriting contained in the policy to be
able to establish who is responsible for what aspect of law.
(d)
please
can you provide the policy's underwriting to myself by way of email and
post and keep me updated in the progress of my request getting
accomplished.
(e)
When
reading about what public liability covers, I am made aware that generally
acts of dishonestly or fraud or criminal conduct are covered by public
liability indemnity, and it is for the insurance company to claw back any
loss of cash from their clients afterwards if possible.
(f)
I
have taken this knowledge from the follows weblink
https://www.burges-salmon.com/-/media/files/publications/open-access/insuring_the_cost_of_prosecutions_and_
regulatory_investigations.pdf
(g)
What is not covered?
(h)
In the event that the prosecution leads to a conviction,
it is possible that the insurer may be able to claw back some or all of the
costs paid out to date. In the majority of cases, the policy will only
provide for claw back in the event that the individual being prosecuted is
found to have acted dishonestly or fraudulently or have engaged in criminal
conduct. Arguably, however, insurers may be able to recover payments made
under the common law whether or not the policy provides for claw
back.
(i)
It
is important that I am allowed to read the wording in the policy as I only
have a copy of the liability policy cover page at present.
(j)
I
would also like to mention that once read and understood if the policy does
not cover all of the relevant aspects of law, then I will spilt the civil
allegations and put them in the format you have request.
Ø
03/03/2021 - 14:07 = 8th Email David Knapp to me /
DAC Beachcroft
(a)
I
can answer this briefly.
(b)
The
extent of insurance coverage is irrelevant to your claim against the
Council
(c)
the
policy coverage is a commercial transaction between Insurers and the
Council.
(d)
Furthermore,
the Council has a large deductible before the operation of insurance cover.
(e)
I
am afraid therefore that I cannot disclose it.
Ø
03-03-2021 DM650336 ICO “Tel
call I made for advice”
(a)
ICO DM650336 - 03-03-2021.mp3
Ø
03/03/2021 - 16:46 = 8th Email from me to David / DAC Beachcroft
/ Enfield Council & My Mother
(a)
Your reasons for non-disclosure of the insurance
policy underwriting do not seem valid.
(b) I
decided to make a phone call to the ICO https://ico.org.uk/ in regard to your reason for no discloser and recorded
the conversation.
Link Provided Here: --https://serverone.hopto.org/Audio%20Files%20Link/ICO%20DM650336%20-%2003-03-2021.mp3
(c) The
summery of the telephone call is that your reasons
(1) I can answer this briefly
(2) The extent of insurance coverage is irrelevant
to your claim against the Council
(3) The policy coverage is a commercial transaction
between Insurers and the Council
(4) The Council has a large deductible before the
operation of insurance cover
Do not
seem fair or correct as a valid reason to refuse the information that I
have requested. I have been advised on how to proceed and will do as
following.
(d) My
reasons in part are: --
(1)
I am acting litigant as you have been made
aware of and request the documents under my legal rights to be able to make
my own assumptions.
(e) Freedom of Information Act 2000 Request
Ø
03/03/2021 - 16:46 = Email “Receipt from insurance@enfield.gov.uk”
(a)
We
acknowledge receipt of your email,
Ø
03/03/2021 - 18:40 = 9th Email David Knapp to me /
DAC Beachcroft
(a)
I
have listened to your recording of the call. I am very sorry, but your call
was an unproductive utilisation of your time.
(b)
The
problem stems from your desire to progress matters by telephone
(c)
in
this case apparently confusing the call handler at the ICO.
(d)
The
point here is that I am instructed by Enfield to deal with your civil claim
for damages against the Council.
(e)
Your
request to me for the Insurance policy was in the context of how that claim
was to be put.
(f)
It
had nothing to do with Data protection or the Freedom of Information Act
(FOI) as is clear from your email.
(g)
The
claim is governed by the Civil Procedure Rules (CPR)
(h)
I
respectfully refer you to the case of Dunn v Durham CC which confirms that
the CPR “trump” data protection legislation.
(i)
You
can apply to my Client under FOI and they will make a decision as to
whether the policy is disclosable, but FOI is irrelevant to your claim as
is, more particularly, the Insurance policy.
(j)
I
suggest again that you obtain independent expert legal advice.
(k)
I
propose only to respond going forward to a properly constructed Letter of
Claim.
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