Legal

Acceptable Use Policy

Personal use only

Debt Challenger is provided for your personal use, in your own name, and only for your own debt disputes. You may not use it to draft correspondence in another person's name unless you hold their explicit, documented authorisation to act on their behalf. Unauthorised use to act on behalf of another person may constitute fraud under the Fraud Act 2006.

Prohibited uses

Using the service to send correspondence about debts you do not own or are not responsible for
Using the service on behalf of third parties without documented authority
Reselling, sublicensing, or making the service available to others (including as a bureau service)
Sending letters with the intent to harass, intimidate, or cause distress to any party
Creating multiple accounts to circumvent plan limits
Any use that could constitute harassment under the Protection from Harassment Act 1997

Statement of truth

Before generating each challenge letter, you confirm: "This is my debt. I am the named account holder. I have authority to send this letter." This statement is recorded with a timestamp and your IP address as evidence of your declaration.

Not legal advice

Debt Challenger is administrative software. It provides tools grounded in publicly available UK legislation. It does not constitute legal advice and does not create a solicitor–client relationship. You remain responsible for reviewing, signing and sending every document the Service prepares, and for meeting any deadline set by a court, which always comes first. You may instruct a solicitor at any point; that choice is yours.

Enforcement

Violation of this policy may result in immediate account suspension without refund and, where applicable, reporting to the relevant authorities.

Last updated: 20 May 2026. See our Terms of Service and Privacy Policy for full details.