Debt letters often contain errors — check before you pay

Do you really have to pay this debt?
You may be about to overpay by £50–£1,000.

Debt collection letters often contain errors — including statute barred debts and excessive fees.

Upload your letter and get a full analysis + ready-to-send dispute letter within 24 hours.

Before you decide to pay.

✔ Could save you hundreds — before you pay ✔ Check for statute of limitations & excessive fees ✔ One-time £29 · no subscription ✔ Full analysis + dispute letter within 24 hours
Most popular

Full Analysis + Dispute Letter

Full analysis of your grounds to challenge, plus a ready-to-send dispute letter — within 24 hours by email.

  • ✓ Check for statute of limitations (6 years in UK)
  • ✓ Check for excessive or unlawful collection fees
  • ✓ Check for valid notice of assignment
  • ✓ Check for proof of original debt
  • ✓ Ready-to-send dispute letter
  • ✓ Result within 24 hours — before you decide to pay
You send the dispute letter yourself — 5 minutes of effort that could save you hundreds.
£29 one-time · no subscription
Pay now and start analysis →

🔒 Secure payment via Stripe

Incomplete analysis? Full refund.

Free

Not sure yet?

Upload your letter for a free initial assessment.

  • ✓ Sender and type identified
  • ✓ Initial risk assessment
  • ✓ By next business day before 4pm
Free
Identified
We found potential issues — you may not have to pay this
Ready
Initial finding:
Your letter has been identified. Click below for your full analysis.
Full analysis after payment Grounds to challenge, assessment and ready-to-send dispute letter — within 24 hours by email.
Before you decide to pay · one-time £29 · 🔒 Secure via Stripe
How it works

Done in 3 steps

01
Pay and upload
After payment, upload your debt letter, demand notice or solicitor’s letter. PDF, JPG or PNG. Takes less than 2 minutes.
02
We analyse
We check for statute of limitations, excessive fees, invalid assignment notices, missing proof of debt and regulatory compliance issues.
03
Result by email
Within 24 hours you receive your analysis plus a ready-to-send dispute letter. Send it directly to the debt collector.
Who is this for?

Honestly — this isn’t for everyone

Good fit if...
  • ✓ You’ve received a debt collection letter, demand notice or solicitor’s letter
  • ✓ You’re unsure if the debt is valid or statute barred
  • ✓ You think the fees or amount claimed may be excessive
  • ✓ You’re willing to send the dispute letter yourself
  • ✓ You’d rather pay £29 than settle a potentially invalid debt
Less suitable if...
  • — You’ve already received a County Court Judgment (CCJ)
  • — You acknowledge the debt and have no grounds to challenge
  • — You need legal representation in court
  • — The amount exceeds £10,000 (consult a solicitor)
How we work

Based on UK consumer debt law

Legal basis
Our analysis is based on the Limitation Act 1980, Consumer Credit Act 1974 and FCA regulations. We focus on England and Wales law.
What we check
Statute of limitations, notice of assignment, proof of original debt, fee legitimacy and FCA regulatory compliance.
What we are not
We don’t provide legal advice and don’t act as legal representatives. For complex cases we recommend Citizens Advice or a solicitor.
Being honest

What you need to know — before you pay

✓You receive a ready-to-send dispute letter. Sending it takes 5 minutes and could save you the full amount claimed.
✓Sending a dispute letter does not automatically stop enforcement. We’ll clearly explain the situation in your report.
✓If the debt turns out to be valid, you still receive a full report with a clear explanation and your options going forward. No empty reports.
✓If your dispute is rejected, we provide concrete next steps: Financial Ombudsman Service (FOS), FCA complaint, or court proceedings.
✓DebtCheck is for people willing to send the letter themselves — in return, you keep 100% of any saving.
Key facts

Know your rights

6 years
Limitation period for most debts in England & Wales (Limitation Act 1980)
Often
Debt letters contain errors — excessive fees, no valid assignment or statute barred debts
£29
One-time fee — a fraction of what you could save by challenging the debt
24 hrs
Analysis + dispute letter in your inbox — before you decide to pay
FAQ

Everything you need to know

What letters can I upload?
Debt collection letters, demand notices, letters from debt collectors (Lowell, Cabot, Intrum etc), solicitor’s letters and other payment demands. PDF, JPG and PNG are all supported.
When is a debt statute barred?
In England and Wales, most debts become statute barred after 6 years from the last payment or written acknowledgement (Limitation Act 1980). Scotland: 5 years. Once statute barred, the creditor cannot obtain a CCJ, though the debt technically still exists.
What if the debt turns out to be valid?
You still receive a full report with a clear explanation of the situation, your options for negotiating repayment, and tips to avoid further charges. You never pay for an empty report.
Is this legal advice?
No. This is an informational analysis based on your letter. We do not provide legal advice. For complex situations or large amounts, we recommend Citizens Advice or a regulated solicitor.
What happens to my document?
Your document is permanently deleted after analysis. We do not store personal data beyond what is necessary for processing.

DebtCheck is operated by DebtChecknow.co.uk, a UK-focused consumer document analysis service.

Need help? Email us at support@DebtChecknow.co.uk.

Uploaded documents are processed securely, used only for your analysis, and deleted after completion.