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Gidday Randy,
Now I'll try and answer this the best I can, in that I haven't had a lot to do with apartment buildings as they are practically non-existant down in this part of the country.
However we do have what are known as "town-houses", which are like small 1-2 bedroom flats that are usually joined together and share a common roof.
From a distribution perspective, these would be fed from a distribution pillar box out on the street, each having thier own service line and this would be fused inside the pillar box.
The service line would then run underground and up to the metering enclosure in one of the outside walls of each individual unit.
The tails from the meters would then feed the switch-board panel inside the unit.

Randy,
Compare this thread.

Will,
Since it appears that the service neutral was disconnected with the phase conductors, and the bootleg connection had no neutral, what was carrying the neutral current? The entrance conduit? Or worse yet, the G.E.C.?
Someone would have to be on drugs to do something that stupid.

Bob

In Austria every house has individual fuses too, Apartment buildings are usually wired with on main fuses and individual fuses ahead of each meter. Depending on the age and setup of the building the meters are inside the apartments with the fuses grouped on each floor, in the stairway along with the fuses or in one bank in a utility room.