They Must Prove They Own Your Debt. You Have the Right to Make Them. We'll Walk You Through It.
Got a letter from a debt collector? Upload it. We'll read it, explain what it really means, and draft the letters that legally require them to prove they own your debt, because under UK law, until they prove it, they can't enforce it.
- Your letters stay private until you post them
- Nothing is ever sent to debt collectors by us
- You can delete everything at any time
1974
Year your consumer rights were enshrined in the UK
6 Years
Limitation period, after which most debts are statute-barred
£0
Cost to challenge a debt that cannot be proven
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, PDFWe 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)
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)
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.
All 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. If you are facing imminent court action, a County Court Judgment (CCJ), bankruptcy proceedings, or severe financial distress, you should seek independent legal counsel or contact a free, regulated service such as StepChange Debt Charity, Citizens Advice, or the National Debtline.