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  1. Hi all, newbie here :) I'm hoping for some advice which I would be really grateful for. I have been living in my flat for 5 years, always paid my ground rent and service charges. I have always assumed my service charges include my portion of the buildings insurance. I have requested the schedule of insurance each year to be sure it is in place for my own sanity, which the freeholder has always provided. I am now selling my flat, and I requested the latest buildings insurance schedule from the freeholder company. They have now realised that after 5 years they have 'forgotten' to
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