⟡ “The Mould Is Real. So Is the Law.” ⟡
RBKC Told the Archive It Wasn’t Liable — So We Sent Them a Statute-by-Statute Reminder
Filed: 11 March 2025
Reference: SWANK/RBKC/EMAIL-04
๐ Download PDF – 2025-03-11_SWANK_Email_RBKC_GiuseppeMorrone_HousingNeglectStatutoryBreach.pdf
Summary: Formal liability dispute filed with RBKC’s Insurance Officer Giuseppe Morrone, citing statutory breaches under housing and environmental health law. Includes demand for complaint records and legal clarification.
I. What Happened
On 11 March 2025, SWANK Director Noelle Bonnee Annee Simlett (Polly Chromatic) formally replied to Giuseppe Morrone, Senior Insurance Officer at the Royal Borough of Kensington and Chelsea. The message was triggered by RBKC’s attempt to deny liability for prolonged exposure to:
Toxic mould and damp
Sewer gas from blocked soil pipes
Environmental harm affecting a disabled parent and children
The reply cites breaches under the Housing Act 2004 and Environmental Protection Act 1990, reasserts previously ignored complaints, and demands internal records related to assessments of 37 Elgin Crescent, Flat E.
II. What the Complaint Establishes
The Council failed its statutory duty to address Category 1 housing hazards
Repeated health complaints were logged but systematically unaddressed
There was no serious investigation, despite documented asthma, hospitalisation, and visible disrepair
Liability denial occurred without investigation, record disclosure, or environmental reinspection
The Council is now being held accountable in writing, with legal reference citations
III. Why SWANK Logged It
Because refusing liability does not erase exposure.
Because legal obligations don’t dissolve when they’re inconvenient.
Because a damp Victorian flat with medical harm is not a “policy grey area” — it’s a statutory failure.
SWANK logs the law — and the silence that violated it.
IV. SWANK’s Position
We do not accept that liability can be rejected without record review.
We do not accept that damp, sewer gas, and medical injury are “not actionable.”
We do not accept that officials can ignore housing law because they work in insurance.
This wasn’t a complaint. It was a legal counter-notification.
And SWANK will document every statute the council dared to sidestep.
⟡ This Dispatch Has Been Formally Archived by SWANK London Ltd. ⟡
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