How to challenge a big service charge increase

England and Wales · Law checked 24 October 2026 · Not legal advice

Big rises usually come from insurance, major works, new contracts, a reserve-fund top-up, or an agent's fee increase. Not all are challengeable, but many leaseholders never ask.

Step by step

1. Compare budgets: put this year's and last year's figures side by side, line by line.
2. Request the summary under section 21 and inspect invoices under section 22.
3. Check consultation: any works over £250 per flat, or contracts over 12 months costing over £100 a year per flat, needed section 20 consultation.
4. Check dates: old costs billed late may fall foul of the 18-month rule.
5. Check insurance: ask about commissions and get comparison quotes.
6. Dispute in writing and pay the undisputed part.
7. If needed, go to the tribunal, ideally with neighbours.

Use the free service charge checker to see which points might apply to you.