Know Your Rights
Many homeowners feel pressured to accept charges or decisions without first knowing whether those demands are justified. Understanding your rights is the first step in challenging unfair factoring practices.
Your Title Deeds Matter
Your deeds define liability, repairs, and what you can properly be charged for.
What Factors Can and Cannot Charge For
Know what factors can legally bill you for — and what they cannot.
Estate-Wide Charging & Block-Specific Liability
Understand the difference between estate and block-specific charges.
Insurance and Liability
Make sure the insurance position reflects your actual legal obligations.
Your Right to Clear Information
You have a right to full, clear explanations of all charges and decisions.
Your Right to Question Bills
Ask for invoices, proof of work, breakdowns, and evidence of liability.
Repairs and Maintenance Disputes
Challenge delays, poor work, repeated charges, and work not properly carried out.
Complaints and Escalation
Know how to challenge a factor’s position and escalate concerns where necessary.