Is there no way to have a special charge to flat owners in the UK? If it's like the US, it'd be through a HOA for the building. If someone wanted to fight it th

Is there no way to have a special charge to flat owners in the UK? If it's like the US, it'd be through a HOA for the building. If someone wanted to fight it they'd have to go to court. I could imagine a scheme where a bank lends the HOA the money but then deals with the court since dealing with that is much less of a pain for them than the random building HOA president.