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Consumer Rights and Debt Advice Support UK

Need help with an unfair consumer outcome or debt pressure? We provide practical rights guidance and document support.

From £24.99
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What we do

Consumer Rights Act 2015 position assessment
Draft complaint and pre-action correspondence
Creditor communication and negotiation support
Ombudsman escalation guidance where relevant

Common questions

Yes. We prepare rights-based correspondence and escalation strategy.
Yes, we support practical negotiation and formal communication drafting.

The process

1

Provide transaction history and evidence

2

We assess legal position and options

3

We draft complaint/negotiation documents

4

Escalation pathway support if unresolved

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Common scenarios we handle

You bought a product online that arrived faulty or not as described, and the seller is refusing a refund
A company is chasing you for a debt you believe is statute-barred (over six years old with no acknowledgment)
You received a default notice or threatening letters from a debt collector for a disputed amount
You paid for a service that was not delivered to a reasonable standard and the provider will not resolve it

Legal framework

Consumer rights in the UK are primarily governed by the Consumer Rights Act 2015, which sets out rights regarding goods (satisfactory quality, fit for purpose, as described), services (reasonable care and skill), and digital content. The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide a 14-day cooling-off period for online and distance purchases. Debt recovery is subject to the Limitation Act 1980 — most consumer debts become statute-barred after six years if not acknowledged. The Financial Ombudsman Service handles complaints against financial services providers.

Frequently asked questions

Under the Consumer Rights Act 2015, goods must be of satisfactory quality, fit for purpose, and as described. If faulty, you have a short-term right to reject (30 days) for a full refund. After 30 days, the retailer must be given one opportunity to repair or replace. For online purchases, you also have a 14-day cancellation right under the Consumer Contracts Regulations.
A debt becomes statute-barred under the Limitation Act 1980 if six years have passed since the last payment or written acknowledgment (five years in Scotland). The creditor cannot obtain a court judgment for a statute-barred debt. However, the debt still technically exists — it just becomes unenforceable. We assess whether your debt qualifies.
It depends on the circumstances. If you dispute the debt, a well-drafted response protecting your position is important. If the debt is statute-barred, responding carelessly could restart the limitation period. We draft appropriate responses that protect your rights without inadvertently strengthening the creditor's position.

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Chased for a debt you dispute?

We help you respond properly and protect your rights.

Get your free assessment

Free assessment disclaimer: Our free assessment confirms whether we can assist, which service applies, and the fee. Response times depend on case complexity and documents submitted. The free assessment does not constitute legal guidance or advice — active work begins only after payment of the applicable service fee.