If the points below describe your situation, this is where we can help.
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What you got isn't what you paid for
Goods that are faulty, not as described, or didn't last as they should. Work done without reasonable care and skill — the builder, garage, or installer who left you worse off. A service that simply wasn't delivered.
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You've complained — properly — and got nowhere
Refused, ignored, endlessly "escalated", or offered a token gesture that doesn't come close. You've given them a fair chance to fix it.
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The free routes don't fit — or you've tried them
You paid by bank transfer or cash, so there's no card protection to claim through. The trader isn't in an ombudsman scheme — or the scheme route went nowhere. What's left is the court route.
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The amount is worth fighting for
Somewhere between a few hundred pounds and several thousand — real money, squarely in small claims territory, where the court process is designed for people without lawyers.
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A solicitor would cost more than the claim is worth
There's no legal aid for consumer claims, and solicitor rates swallow a £1,500 dispute whole. What you need is the paperwork done properly — the letter, the claim, and the evidence behind them.
Most consumer disputes are resolved without court — and some of the strongest routes cost nothing. Try these first, depending on how you paid and who you bought from.
✓ Free routes by stage
We mean this — try these first. They cost nothing, and most consumer disputes never need to leave this list.
Paid by credit card, and it was over £100?
Your card provider can be jointly liable under
Section 75 of the Consumer Credit Act — claim from them directly, free. If they refuse, escalate to the
Financial Ombudsman Service, also free.
Paid by debit card — or credit card under £100?
Ask your bank for a chargeback — a refund request through the card network. There are time limits (typically 120 days from the problem), so ask soon. Free, and often quick.
Not sure of your rights, or want the complaint handled for you?
The
Citizens Advice consumer service gives free advice on Consumer Rights Act claims, drafts of what to say, and can refer serious cases to Trading Standards.
Is the trader in an ombudsman or ADR scheme?
Many sectors — motor, furniture, home improvement, removals — have free alternative dispute resolution schemes. Ask the trader which scheme they belong to (members must tell you), and use it before paying anyone.
Already filed a claim?
For claims under £10,000, the court now refers both sides to its free mediation service — a phone-based session that settles many cases before any hearing. It costs nothing and doesn't weaken your case.
Free routes exhausted — and the trader still has your money?
Court is the remaining route, and that's where we come in — see what's in a pack below.
Every pack is built around the specific facts of your purchase — what was promised, what was delivered, what it's cost you, and the trail of complaints in between. Here's what's in a typical pack.
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Letter Before Action
The formal letter the court expects you to send before issuing a claim — what went wrong, which Consumer Rights Act rights apply, what you want, and the deadline. For many traders, this letter is the moment the dispute stops being something they can ignore.
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Particulars of Claim
The formal written claim — the facts, the amounts, and the legal basis under the Consumer Rights Act 2015: goods must be of satisfactory quality, fit for purpose, and as described; services must be carried out with reasonable care and skill. Filed with Form N1 or through Money Claim Online.
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Witness Statement
Your signed, structured account — what was agreed, what was delivered, what you've done about it. Ready to sign with a Statement of Truth.
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Chronology
A dated timeline from purchase to the latest brush-off — order, delivery, faults appearing, complaints made, promises broken. Courts expect this in small claims bundles.
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Exhibit Index
Every piece of evidence — receipts, the advert or listing, photos of the faults, quotes for putting things right, the complaint correspondence — numbered, described, and easy for a judge to navigate.
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Evidence Gap note
What's missing and where to get it before a hearing. For example: an independent inspection report for a faulty vehicle, a second tradesperson's written assessment of defective work, or the archived web listing showing what was actually promised.
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Document Usage Guide
A plain-English explanation of each document — what it does, when to send or file it, what to expect next. So you walk into the process knowing what every piece of paper is for.
Tier options — each tier builds on the one below.
- Essential (£99) — Chronology, Exhibit Index, Key Facts summary, Evidence Gap note, and Document Usage Guide. The full paper trail, indexed and ready. Suits anyone who has drafted their own letter and claim and just needs the supporting bundle prepared.
- Standard (£199) — Everything in Essential, plus a fully drafted Letter Before Action, Particulars of Claim, and Witness Statement (PDF and Word). The pack most consumer claimants need — and the letter alone settles a good share of these disputes.
- Full Pack (£299) — Everything in Standard, plus a Hearing Framework and one round of revisions. The right choice if the trader has filed a defence or a hearing date is set.
- Complex (£499) — Bespoke pack for cases that don't fit the standard pattern — counterclaims from the trader, disputes involving several parties (trader, finance company, installer), or claims that need expert evidence coordinated.
Given them every chance? Put it in writing that counts.
Upload your receipt or invoice, the advert or quote you bought against, photos of the problem, any repair quotes, and the complaint correspondence so far. We'll prepare your Letter Before Action, Particulars of Claim, Witness Statement, Chronology, and Exhibit Index — usually within 5 working days, often faster.
Submit your case ↗
Everything below is reference material — court forms, an evidence checklist, and external resources — for anyone working through their case themselves.
⚠ Evidence people often forget to include
- The original advert, listing, or quote — "as described" arguments live or die on what was actually promised; screenshot or archive it before it disappears
- Proof of payment — receipt, bank statement, or card statement showing what you paid and how
- Dated photos and videos of the fault — taken on your phone with the date stamps intact, ideally from when the problem first appeared
- An independent assessment — a second garage, surveyor, or tradesperson's written opinion carries far more weight than your own description
- Quotes for repair or replacement — your claimed amount needs evidence behind it
- The full complaint trail — emails, chats, and call notes with dates, including every promise the trader made
- Consequential losses — hire car receipts, time off work, costs caused by the failure, with documents for each
Each form below links directly to the official GOV.UK page. These descriptions explain what each form is for —
not whether you should file it. If you are unsure which step to take next, seek independent advice.
Online portals — submit or respond directly:
These organisations and websites may provide useful guidance on consumer disputes.
DocketWorks does not endorse any external site — these links are for information only.
Citizens Advice — ConsumerFree consumer rights advice, template complaint letters, and the consumer helpline that can refer cases to Trading Standards
citizensadvice.org.uk ↗
Financial Ombudsman ServiceFree dispute resolution for Section 75 and chargeback disagreements with your bank or card provider
financial-ombudsman.org.uk ↗
Consumer Rights Act 2015The statute behind consumer claims — satisfactory quality, fit for purpose, as described, and reasonable care and skill
legislation.gov.uk ↗
GOV.UK — Make a court claim for moneyThe official guide to small claims — fees, interest, mediation, hearings, and enforcement
gov.uk ↗
Courts.uk — For Litigants in PersonPlain-English procedural reference for civil court procedures in England & Wales: forms guide, fee calculator, and step-by-step walkthroughs
courts.uk ↗
You held up your end of the deal. Walk in ready to prove it.
Tell us what you bought and what went wrong — we'll flag anything missing before a single document is drafted.
Submit your case ↗
Important: DocketWorks is a document preparation service, not a law firm. The information on this page is procedural —
which documents exist, which forms apply, and where free help is available. What we cannot do is advise on the merits of your case:
whether your claim will succeed, or what a court is likely to award. For advice on the merits, speak to the
Citizens Advice consumer service
or a qualified solicitor.