UK consumer rights · England and Wales
Make them
prove it.
Got a letter from a debt collector? Upload it. We read it, explain what it really means in plain English, and draft the reply that requires them to show the paperwork behind the debt. You edit every word, and you decide whether it is sent. Under UK law, until they produce that paperwork, they cannot enforce the debt through the courts.
Your letters stay private until you post them. Nothing is ever sent to a collector by us, and you can delete everything at any time.
- Consumer Credit Act
1974
Consumer Credit Act
The Act that makes them show the agreement, s.77 and s.78
- Working days
12
Working days
Their statutory deadline to produce it once you ask
- Years
6
Years
Limitation Act 1980, s.5: most consumer debts become statute barred
Simple. Fast. Effective.
How Debt Challenger Works
From uploaded letter to legally grounded response in minutes, not days. No solicitors. No expensive consultations. Just your rights, exercised.
Upload the Letter
Take a photo on your phone or drag and drop a scanned copy of any letter you have received from a debt collection agency. Court correspondence is also accepted.
Supports JPG, PNG, PDF
We Analyse & Draft
Our system reads the letter, identifies the agency, and prepares a response grounded in your rights, including your right to demand proof the debt is real (Consumer Credit Act 1974) and the rulebook of the FCA, the regulator whose rules debt collectors must follow (FCA CONC).
No legal jargon. Just results.
Review, Customise & Send
The finished letter appears on your screen. Adjust the tone, edit any details, then download or print your completed letter. You are always in full control before anything is sent.
Your letter. Your decision.
All letters are drafted on your behalf and stored securely in your personal case file. Your data never leaves UK-based servers.
Simple, Transparent Pricing
Choose Your Level of Defence
Cancel anytime. No hidden fees. Prices shown include VAT where applicable.
Try us free: generate your first SAR with no card required
See exactly what the debt collector is hiding. One Subject Access Request, fully drafted, completely free. Upgrade only when you want to send the challenge letter.
Basic
“The Fire Extinguisher”
or £99/year(save £20)
Everything you need to demand proof of ownership and check whether the debt is enforceable.
- 5 letter generations per month
- See every record they hold about you (Subject Access Request)
- Demand proof the debt is real (CCA request, Consumer Credit Act 1974)
- Make them show evidence before they collect ("Prove It" letters)
- Find out if they've run out of time to chase you. Most debts can't be enforced after 6 years (statute-barred check, Limitation Act 1980)
- Keep every debt organised in its own case file
- Personal use (one sender profile)
- Secure UK-based document storage
- Multiple sender profiles (partners)
- Report rule-breaking collectors to the regulator (FCA / ICO / FOS complaints)
- Challenge mistakes on your credit file (disputes to Experian, Equifax & TransUnion)
Most Popular
Pro
“The Legal Offensive”
or £249/year(save £50)
Full regulatory firepower: unlimited letters, formal complaints to the FCA (the regulator whose rules debt collectors must follow), the ICO & the FOS, and partner-shared cases.
- Unlimited letter generations
- Everything in Basic, plus:
- Multiple sender profiles (e.g. partners)
- Report rule-breaking collectors to the regulator (FCA / ICO / FOS complaints)
- Priority email support
- Challenge mistakes on your credit file (disputes to Experian, Equifax & TransUnion)
- Respond properly if they threaten court ("Letter of Claim" responses)
Most Comprehensive
Elite
“Credit Repair & Pre-Action Defence”
or £449/year(save £90)
For credit damage, pre-action protocol responses, and complex disputes where every word of your letter must be right.
- Everything in Pro, plus:
- Challenge defaults & black marks on your credit file (CRA disputes)
- Demand letters to Experian, Equifax & TransUnion
- Respond properly if they threaten court ("Letter of Claim" responses, CPR PAP Reply Form)
- Build your formal defence before any claim is issued (Pre-Action Protocol drafting)
- Extra protections if you're in a vulnerable situation (FCA CONC 8.3)
- Priority support
Just one debt to challenge?
Pay once, fight one case. Unlimited letters of every type for that single debt, lifetime access to the case, no subscription. Full Elite feature set, limited to one case.
£39one-off
Challenge One DebtAll subscriptions are billed monthly or annually and can be cancelled at any time from your account settings. Prices shown include VAT where applicable.
Note on postage: generated letters are designed to be printed, signed and sent by you via Royal Mail Signed For (typically £3–6 per letter). The platform produces the letter; you keep control of when and how it is sent.
Here's what we are, and what we aren't
Debt Challenger is administrative software and a legal education resource, not a law firm. This platform provides tools and templates based on publicly available UK consumer law to help you manage your own correspondence. It does not constitute formal legal advice, and we are not solicitors or regulated legal advisers.
The letters generated by this platform are drafted on your instructions. You remain solely responsible for reviewing, approving, and sending any correspondence. Nothing is ever sent on your behalf.
If a court has issued a claim or a judgment against you, that document carries a strict deadline. Deal with that date first, before anything else. The platform will read the document, tell you the date you are working to, and set out the options open to you. What you do about them is your decision.