Companies count on you not knowing the law. These free tools help you figure out what you're owed before you even pick up the phone.
The laws they hope you don't know about
Not sure if you have a valid complaint? Our Consumer Rights Checker analyses your situation and identifies which UK consumer protection laws apply, including the Consumer Rights Act 2015, Consumer Contracts Regulations, and more. Get instant clarity on your legal standing and recommended next steps.
Bought something online or from a doorstep seller? UK law gives you a 14-day cooling-off period to cancel most distance purchases with no questions asked. Our tool calculates your deadline and explains exactly how to exercise your cancellation rights.
Bought something faulty? Your refund rights change over time. In the first 30 days, you're entitled to a full refund. After that, the retailer can offer repair or replacement first. Our tool explains your rights based on when you bought the item and what's gone wrong.
Not sure what you're entitled to? Our cheat sheet generator creates a comprehensive, printable guide tailored to your location and situation. Get a quick-reference card with your key rights, applicable laws, timelines, do's and don'ts, and key phrases to use in your complaints.
Unsure if your product is still covered? Our warranty checker helps you understand manufacturer warranty periods by product type, plus your additional statutory rights under the Consumer Rights Act 2015, which can extend protection up to 6 years beyond the warranty.
Concerned about a product's safety? Our tool provides direct links to official UK recall databases including DVSA for vehicles, FSA for food, OPSS for consumer products, and MHRA for medicines. Know your rights if you have a recalled product.
Lost your job unfairly? Our tool checks if you meet the qualifying criteria for an employment tribunal claim, estimates your compensation, and explains the ACAS early conciliation process and strict deadlines.
Enter your purchase date and see an interactive, colour-coded timeline of every consumer right you have, from the 30-day rejection window to the 6-year claim limit. Includes burden of proof guidance.
Not sure what you're owed? Answer 3 questions about your situation, timing, and payment method, and we'll tell you your exact rights, the relevant laws, and what to do next. Links to specialist tools.
Not sure if you have a valid consumer complaint? Answer 5 quick questions about your purchase and issue, and we'll rate your case strength, identify which UK consumer laws protect you, and give you personalized next steps.
Delayed? Cancelled? Let's get your money
Delayed or cancelled flight? You could be entitled to up to £520 in compensation under UK261 or EU261 regulations. Our calculator considers flight distance, delay length, and circumstances to tell you exactly what you're owed and whether the airline can claim extraordinary circumstances.
Package holiday ruined? Under the Package Travel Regulations, tour operators are responsible for everything included in your package. Our calculator helps you estimate compensation for hotel issues, flight problems, missed excursions, and more. Know what you're entitled to claim.
Train delayed? You could be owed 25-100% of your ticket price through Delay Repay. Our calculator covers all UK train operators with their specific compensation thresholds and gives you a direct link to claim.
Your card is mightier than you think
Bought a car, van, campervan or motorbike on finance between 2007 and 1 November 2024? Our checker helps you see if hidden commission could affect your agreement, whether the FCA scheme may apply, and what to do next for free.
Paid student loan deductions when you were below the threshold, on the wrong plan, too early, or after clearing the balance? Our checker helps you spot the main refund triggers for Plan 1, Plan 2, Plan 4, and postgraduate loans, then shows you who to contact and what to say.
Paid by credit card? Section 75 of the Consumer Credit Act makes your card provider jointly liable for purchases between £100-£30,000. Our checker helps you understand if Section 75, chargeback, or other payment protections apply to your situation.
Been hit with excessive bank fees? Many bank charges, especially those applied during financial hardship or without proper warning, may be reclaimable. Our calculator helps you total up charges and understand which ones you can challenge.
Package arrived late or not at all? Under the Consumer Rights Act 2015, goods must be delivered within the agreed timeframe or within 30 days. Our calculator helps you understand your compensation rights and generates a claim letter to get refunded for failed deliveries.
Waiting on an insurance claim? Insurance companies have regulatory deadlines they must meet. Our tracker helps you understand the typical timelines for different claim types, identify when deadlines have been missed, and know when to escalate to the Financial Ombudsman.
Paid by card and didn't get what you were promised? A chargeback lets you ask your bank to reverse the transaction. Our tool checks your eligibility, identifies the right reason code, and generates a ready-to-send letter for Visa, Mastercard, or Amex.
Being chased for an old debt? If the limitation period has passed, creditors can't take you to court. Our tool checks if your debt is statute-barred under the Limitation Act 1980 and generates a 'prove it' letter.
Following the 2024 Supreme Court ruling, secret commissions between brokers and lenders may be unlawful. Our tool generates a disclosure request letter for car finance, insurance, mortgages, and other financial products.
UK consumers overpay £4 billion a year through loyalty penalties. Our calculator shows your total overpayment on broadband, mobile, insurance, and energy, plus generates a price match demand letter.
Companies pay out billions in class action settlements every year, and over 90% of eligible people never file. Our tracker lists open US class action settlements and UK group litigation orders so you can check if you qualify, see estimated payouts, and file your claim before the deadline. No sign-up, no lawyer, no catch.
Project how much your Stocks & Shares ISA or Cash ISA could grow over time. Compare tax-free ISA returns against a taxable general investment account and see the real cost of not using your £20,000 annual allowance.
Calculate your Lifetime ISA government bonus, projected investment growth, and total pot value. The government adds 25% to your savings – up to £1,000 free per year – for a first home or retirement. If you're 18-39, this is the account to open.
Work out how much tax relief you get on SIPP pension contributions. For every £80 a basic-rate taxpayer puts in, the government adds £20. Higher-rate taxpayers save even more. See your effective cost, government top-up, and projected retirement pot.
Check whether you're maximising your employer's pension match. Many employers will match contributions above the minimum 3%, but most employees never check. See the projected difference over your career – it could be tens of thousands.
Calculate how much you save on income tax and National Insurance by using salary sacrifice for pension contributions. See your effective cost per £1 in your pension, including the employer NI bonus many companies pass on.
Calculate the return on buying missing National Insurance years for your state pension. A single year costs roughly £900 and can return over £6,000 across a 20-year retirement. See your payback period, ROI, and whether you're near the critical 10-year minimum.
Check if you're eligible for Marriage Allowance and calculate your tax saving. If one partner earns under the personal allowance and the other is a basic-rate taxpayer, you can save £252/year. Backdate up to 4 years for over £1,000 in one claim.
Project how much a Junior ISA could be worth when your child turns 18. Invest up to £9,000/year per child, completely tax-free. £150/month from birth at 8% returns could give your child roughly £65,000 by 18. Anyone can contribute – parents, grandparents, anyone.
Overcharged? Time to fight back
Bills higher than expected? Experiencing meter reading issues or unexplained charges? Our tool generates a formal complaint letter to your energy supplier citing Ofgem regulations and the Energy Ombudsman process. Get overcharges refunded and ensure accurate billing.
Broadband slower than promised? Under Ofcom's Broadband Speeds Code, providers must give you a minimum guaranteed speed and let you exit your contract if they can't deliver. Our tool generates a formal complaint citing the relevant regulations.
Estimated water bills based on rateable values can be wildly inaccurate. Our tool compares your current bill against estimated metered costs based on your household size, showing potential savings of hundreds per year.
Landlords and dealers hate this section
Landlord keeping your deposit? Tenancy deposit deductions must be fair and reasonable. Our tool helps you assess whether proposed deductions comply with deposit protection scheme guidelines and generates a formal dispute letter if they don't.
Bought a car that's turned out to be faulty? While the UK doesn't have a 'lemon law' like the US, the Consumer Rights Act 2015 gives you strong protections. Our checker helps you understand your rights based on when you bought the car and what's wrong with it.
Received an unfair parking fine? Many private parking tickets can be successfully appealed. Our tool helps you identify valid grounds for appeal, generates a professional appeal letter with proper legal references, and guides you through the process, whether it's a council PCN or private charge.
Damaged a tyre, wheel, or suspension because of a pothole or broken road surface? Our checker helps you work out who to claim against, whether you have the evidence to show negligence, and what to do next before the authority reaches for a Section 58 defence.
Thousands of UK homes are in the wrong council tax band, leading to hundreds of pounds overpaid each year. Our tool estimates your correct band based on 1991 property values and shows you how to challenge it for free.
Most letting agent fees have been banned since June 2019. Our tool checks if the fee you were charged is illegal under the Tenant Fees Act 2019 and generates a refund request letter with the £30,000 fine warning.
The biggest change to private renting in England since the 1980s. Our interactive guide explains the Section 21 ban, rent increase limits, pet rights, and eviction protections, with tools to check your specific situation.
Turn your frustration into results
Thinking of taking a company to court? Small claims court handles disputes up to £10,000 in England and Wales. Our calculator tells you exactly what court fees you'll pay, what to expect from the process, and whether it's worth pursuing based on your claim value.
Struggling to cancel a subscription or membership? Many companies make cancellation deliberately difficult. Our tool generates a clear, professional cancellation letter that meets legal requirements and leaves a paper trail, making it harder for companies to ignore your request.
Company not responding? Before going to court, you may need to escalate to an ombudsman or Alternative Dispute Resolution (ADR) scheme. Our finder identifies the right ombudsman for your industry, whether it's financial services, energy, telecoms, or retail.
Sent a complaint and heard nothing? Companies typically have 8 weeks to respond to formal complaints before you can escalate to an ombudsman. Our tracker helps you calculate deadlines and provides evidence that the company failed to respond in time.
Under GDPR, you have the right to request all personal data a company holds about you. Our tool generates a legally-compliant Subject Access Request (SAR) that companies must respond to within 30 days. Perfect for discovering what data is held, requesting corrections, or demanding deletion.
Need to end a contract? Whether it's due to notice period, breach, or simply expiry, our tool generates a professional termination letter that protects your interests. Covers service agreements, memberships, leases, and supply contracts.
Generate a formal noise complaint letter for your council's Environmental Health team. Covers neighbour noise, barking dogs, construction, and commercial noise, all citing the Environmental Protection Act 1990.
Wedding vendor let you down? Generate a professional complaint letter citing the Consumer Rights Act 2015. Covers photographers, venues, caterers, DJs, florists, and more, with escalation guidance.
Can't cancel your gym? Our tool assesses your rights based on contract type, reason, and consumer law. Generates a cancellation letter for any UK gym including PureGym, David Lloyd, and The Gym Group.
Customer service reps are trained to say no. These tools give you the facts to push back, and the confidence to do it.
Understand exactly which laws protect you and what you're entitled to before contacting the company.
Get precise figures for compensation, court fees, and deadlines so you know exactly what to ask for.
Every tool gives you actionable recommendations on what to do next, whether that's writing a letter or escalating to an ombudsman.
Now you know your rights. Let's put them to work. NoReply turns your frustration into a professional letter that companies can't ignore.
What you get with NoReply:
Yes, all our consumer rights tools are completely free to use with no sign-up required. We believe everyone should have access to information about their legal rights.
No account is needed to use our free tools. Simply select a tool and start using it immediately. If you want to generate a professional complaint letter or track your case, you can create a free NoReply account.
Most of our tools focus on UK consumer law, including the Consumer Rights Act 2015, UK261 flight regulations, and Section 75 of the Consumer Credit Act. Some tools like the flight compensation calculator also cover EU261 regulations.
Our free tools are designed with privacy in mind. Most calculations happen in your browser and we don't store your personal complaint details. See our privacy policy for full details.
If you're ready to take action, NoReply can help you create a professional, legally-backed complaint letter. Start a free complaint and our AI will research your specific situation and generate a letter designed to get results.