Free tools to check what a company owes you

Most people leave money with companies simply because they don't know how much they're owed, or whether they have a case at all. You don't need a solicitor or a claims firm to find out. Here's a round-up of the best free tools to check what a company owes you, grouped by the kind of problem you're having. NoReply built most of these, but we've flagged the official free routes too, because the point is getting you an answer, not a sales pitch.

Travel and flights

• Flight compensation calculator - tells you the exact UK261 amount for a delay or cancellation based on distance, not ticket price.
• Holiday compensation tool - for package holidays that went wrong under the Package Travel Regulations.
• Delivery compensation tool - late, lost, or damaged parcels.

For the full breakdown of airline routes, see 7 ways to get a refund from an airline. Official backup: the Civil Aviation Authority's complaints page is the free regulator route if a claim stalls.

Money and card purchases

• Section 75 checker - whether your credit card provider is jointly liable for a purchase over £100.
• Chargeback guide - claw back card payments for goods or services you didn't get.
• Hidden commission checker - for undisclosed car finance commission, one of the biggest live consumer issues in the UK.
• Bank fees tool - challenge charges that may be unfair.

Official backup: MoneyHelper and Citizens Advice both offer free, impartial guidance.

Energy, broadband and bills

• Energy bill complaint tool - check and challenge an overcharge or a back-bill.
• Broadband complaint tool - outages, price rises, and missed engineers (see best ways to complain about Virgin Media).
• Council tax band checker - thousands of homes are in the wrong band and owed refunds going back years.
• Loyalty penalty checker - the price you pay for not switching.

Shopping and faulty goods

• Warranty checker - your rights when something breaks, including after the warranty "expires".
• Refund timeline tool - how long a company actually has to refund you.
• Cooling-off checker - your 14-day right to cancel many purchases.

Housing and parking

• Rental deposit tool - dispute unfair deductions from your deposit.
• Parking fine appeal tool - many private parking charges don't hold up.

Not sure where to start?

• Complaint checker - describe your issue in plain English and find out if you have a case.
• Ombudsman finder - the free, independent scheme that covers your company once a complaint hits deadlock.
• Response deadline tool - track the 8-week clock before you escalate.

How to actually use these

1. Run the relevant checker to confirm you have a case and a rough figure.
2. Log a formal complaint with the company and get a reference.
3. If they reject you or 8 weeks pass, escalate free to the ombudsman.
4. Only consider a paid claims firm as a last resort - they take a cut of money you can recover yourself.

FAQs

Are these tools really free?

Yes. The checkers and calculators cost nothing to use. NoReply only charges if you want us to build and manage a full complaint case for you.

Will a tool guarantee I get paid?

No tool can promise that, because it depends on your evidence and the company. What they do is tell you whether you have a case and what you're owed, so you stop guessing.

Which one first if I've no idea what applies?

Start with the complaint checker. It points you to the right specific tool.

The companies you're dealing with already know the rules and bank on you not checking. Spend ten minutes with the right tool and find out what's actually yours.