Updated October 2026 · Fraser Bond
Leasehold · Service charges
Challenging a service charge
Informationyour rights
Section 20consultation
Reasonablecosts only
Tribunalif needed
In short: Leaseholders only have to pay service charges that are allowed by the lease and reasonable in amount and standard. You have the right to ask for a summary of costs and to inspect invoices. For major works and long-term contracts above set thresholds, the landlord must consult leaseholders under Section 20, or the amount they can recover may be capped. If talks fail, you can apply to the First-tier Tribunal (Property Chamber). Fraser Bond provides transparent block management in London.
Resolving a dispute
1
Read your leaseCheck what can be charged.
2
Request informationAsk for the summary of costs and invoices.
3
Raise it in writingExplain which items you dispute and why.
4
Work togetherJoin or form a residents' association.
5
TribunalApply to the First-tier Tribunal if needed.
| Common issue | What to check |
|---|---|
| Major works | Was Section 20 consultation carried out? |
| Insurance | Is the premium reasonable; are commissions disclosed? |
| Management fees | Are they reasonable for the building? |
| Reserve fund | Is it allowed by the lease and properly held? |
Common service charge disputes
Better block management
- Transparent budgets and accounts
- Proper consultation
- Responsive repairs
- RMC and RTM support
Frequently asked questions
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Can I withhold my service charge?
It's risky; it can lead to forfeiture proceedings. Get advice and challenge properly.
What is Section 20?
A consultation process for major works and long-term agreements.
Can Fraser Bond manage our block?
Yes, in London.
Unhappy with your managing agent?
Ask us for a block management proposal.
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