6 million legitimate debts go uncollected annually, not because people don’t have a case, but because justice costs too much

A new AI platform, GotAClaim, helps UK consumers and small businesses generate a legally compliant Letter Before Action for £10, making it easier to pursue unpaid debts and disputes.

A new legal technology platform aims to make it easier and cheaper for people to pursue unpaid debts and disputes without needing immediate legal advice.

GotAClaim, founded by Tim Hegarty, helps individuals and small businesses generate a Letter Before Action (LBA), the formal notice typically required before legal proceedings can begin in the UK.

The idea for the platform came after Hegarty helped a friend draft an LBA using basic AI tools after the friend had been quoted a staggering £250 by a solicitor simply to explain the process.

Despite having no coding experience, Hegarty used AI tools to build the website himself. Five months later, the platform launched and now allows users to generate a compliant LBA for £10.

Users describe their situation in plain English and the system produces a structured legal letter ready to send.

The service is designed for common disputes including unpaid invoices, tenancy deposit disagreements, breached agreements and personal loans.

Hegarty says the aim isn't to replace solicitors but to help people overcome the initial barrier that prevents many legitimate claims from being pursued.

According to estimates cited by the company, around six million valid claims go unfiled in the UK each year because people are unsure how to start the legal process.

www.gotaclaim.com