We have an existing three-phase supply into a building and 3 meters connected to it. However these meters supply 5 services (4 x flats and 1 x landlord supply) so we requested the supplier to install a Bemco or similar unit and provide two additional circuits and two MPAN's so we can have each of the 5 services metered separately. Their solution is to replace the current 3 phase cable coming into the building with a larger one-although three electricians have confirmed the current cable is more than adequate for the user requirements and has been serving the building for 20 years plus. The operator has come up with numerous reasons why they cannot split this existing supply or use the existing cable and contradicted them selves which I have evidence of. I therefore suspect that their objective is to upgrade their network cable at my expense.
I have worked for a couple of DNOs, not actually in the lv connection area, but am generally aware of the rules/guidelines and so on.
I can't comment on your particular circumstances, but my first thought would indeed be the existing incoming cable would be unsuitable.
Taking the guides from both DNO I know, the normal size for the incoming service cable is 25mm^2, and any fuse size should be 60A, 80A or 100A (one DNO has 100A as standard whilst the other has 80A) - this is for new supplies.
Therefore if you want three connections, each would have say 80A fuses meaning that the single service cable could experience 240A (or 300A or 180A - depending upon the fuse sizes) - this would be more than the capacity of the cable. (Even ignoring the looped supply rules.)
At the moment the supply would likely be 100A fuse, and then you are fusing down for each sub-customer, irrespective of the actual load, their service cable is effectively limited to 100A by the main fuses and one supply point.
The DNO cannot supply less than 60A as the obligation is 60A minimum to allow for evcp and/or solar panel.
The maximum service cable length is normally 30m, so this is the only portion that you should be responsible for if you require new supplies, their LV main is their responsibility alone.
A looped supply is no longer permitted, it is permitted to link off the single service cable to two supplies (to the SAME customer) but then the maximum total fuse limit is 120A , along with a number of other rules concerning multiple supplies into a multi occupancy building.
However, it is sometimes possible to breach individual rules providing that they get permission from the Compliance and Performance Manager within the Connections directorate, though this would be rare.
Please remember, when the DNO provides a service point, by law they are obliged to service this for its lifetime to all the legal requirements.
Even though you may say, we only need 40A and intend to keep the load well below this. In 20 years, when you have moved on, the new customer would have every right to demand their supply complies with the regulations/law, irrespective of what you may have agreed.
So no matter what the current load is (and why your electricians say the cable is big enough) it is the regulations that must be followed. Unlike the wiring regs which are kind of supported by law in a round about way, via hse and building regulations - their obligations are directly supported by law.