woodsmith
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I think you need to find a good chartered surveyor to come and have a look. If you don't know one you could always ask a local estate agent for a recommendation, they are normally very helpful.
It's obviously a worry, and you definitely need to get it checked out, but if the building has been fine and settlement free for 25 years then something is holding everything in place and with a bit of luck you may not have anything to worry about.
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