Disclaimer

Not legal advice

Section 20 Defender is an automated information and document-preparation tool, not a solicitor or a claims management company. Nothing produced by this service - including any issue analysis, pack readiness score, chronology, cost table, or drafted observation letter - constitutes legal advice of any kind.

Not a review of your case

We do not review your case in the sense a solicitor would, and we do not determine whether any charge, notice, or demand is valid, invalid, lawful or unlawful. That is a question only the First-tier Tribunal (Property Chamber) or a qualified solicitor can answer. What we do is organise the facts your documents contain, identify what’s missing or unclear, and draft neutral questions worth asking - never a legal conclusion.

England only, long leaseholders only

This service covers a long leaseholder in England facing a Section 20 notice, service charge demand, or major-works dispute with their landlord, under the Landlord and Tenant Act 1985 (sections 18-20B and 27A) and the Service Charges (Consultation Requirements) (England) Regulations 2003. It does not cover a freeholder, a tenant, a right-to-manage dispute between leaseholders, or a case outside England. Wales shares the same primary Act but has its own, separately issued 2004 consultation Regulations - this service does not cover Wales.

This service also does not cover, and will stop and signpost you to a specialist rather than proceed for: building safety or cladding costs, an active tribunal or court case already under way, or a forfeiture threat or notice. These situations are genuinely fact-sensitive and high-stakes, and need a solicitor, Citizens Advice, or LEASE (the government-funded Leasehold Advisory Service) - not an automated tool.

No prediction of outcome

The pack readiness assessment measures how complete and organised your evidence appears to be - evidence completeness, documentation quality, chronology clarity, and questions clarity - it is never a prediction of, or guarantee of, any particular outcome, saving, or result. Only the tribunal, or the party you raise a question with, can actually decide or respond to your case.

Nothing is sent, filed, or submitted on your behalf

Every document this service produces - including your observation letter - is a draft for your own review. We never send, file, or submit anything to your landlord, managing agent, a tribunal, or any other body on your behalf. You decide whether, when, and how to use what you’re given, and you’re responsible for checking it reflects your actual circumstances before you do.

An aid, not a guarantee

This service is intended only as an aid to help you organise what you know and put your own questions clearly in writing. AI-generated content can contain errors, and it is not a guarantee of accuracy, completeness, or of any particular outcome. Use of this service is entirely at your own discretion and risk.

Refunds

Because this is a digital service that begins and completes within minutes of payment, we are unable to offer a refund simply because you’re unhappy with your landlord’s response, or because you decide not to use your Defence Pack. We will offer a refund where the service has materially failed to deliver - for example, a technical fault prevented your Defence Pack from being generated at all, or your case is found to be out of scope only after payment was taken. If you believe either of these applies to you, contact us via our Contact page.

Complaints

If you have a complaint about the service, please contact us via our Contact page with as much detail as you can - we’ll acknowledge it and aim to resolve it promptly. Complaints about data protection can also be raised with the ICO; see our Privacy Policy for details.

No responsibility accepted

We accept no responsibility or liability for the content, accuracy, or outcome of any Defence Pack generated using this service, or for any dispute, complaint, or proceedings you pursue using it. This disclaimer does not affect any liability that cannot be excluded or limited under applicable law.