A flat owner received their property as a gift but the housing society is demanding a £20,000 transfer premium. The owner believes this is incorrect, as model bye-laws typically exempt gifts to family members from such charges. The society claims they are following older, pre-2009 bye-laws, which stipulate a 2.5% charge. The discussion advises challenging the society's demand, potentially by complaining to the Deputy Registrar of Cooperative Housing Societies or seeking legal counsel, as new model rules are generally binding.