Every consumer complaint that hits your CRM, helpdesk, claims pipeline, or AI agent — comes back grounded in current UK statute. Cited regulation, entitlement analysis, paste-ready customer reply, agent talking points, escalation path. One POST. Every sector. Audit-logged.
Every Section 75 ticket, every back-billing dispute, every UK261 claim starts with an agent Googling the statute. Lean digital-CX teams (15–25 agents handling what 200-agent legacies handle) are the bottleneck and the audit risk. Conservative-by-default answers escalate to FOS, the Energy Ombudsman, CISAS, or POPLA — at 10× the cost.
GPT, Claude and Gemini cite repealed acts, invent thresholds, confuse England with Scotland, and quote the wrong CCA section to your customers. DoNotPay paid the FTC $193,000 in 2024 for over-claiming AI legal capability it couldn’t deliver. The regulator-facing risk is real; the answer is structural anti-hallucination, not a better prompt.
UK call-monitoring AI (Aveni, Voyc) flags Consumer Duty breaches after an agent has already replied. Useful — but it requires a ground-truth reference layer to score against. We are that layer. Pair us with their QA and your agents are correct at the moment of the reply, not corrected next week in a coaching session.
FCA PS26/3 motor-finance redress. April-2026 BT/EE/Sky/Vodafone mid-contract rises under Ofcom’s Jan-2025 inflation-link ban. Octopus’s £1.5m back-billing settlement under SLC 21BA. DMCCA subscription regime due autumn 2026. Each wave puts a new statute under the microscope. We refresh the index daily; you don’t maintain it.
A senior consumer-law engineer plus the data work to maintain a statute index runs twelve months and a quarter of a million pounds before first deploy — and even then, you’re one hire away from the index going stale. A licence here is <5% of that, with the statute coverage maintained as a service.
Our consumer Paybacker app runs the same engine in production every day, against thousands of paying UK households writing real complaint letters. Every B2B call benefits from that QA harness — your prompt-wrapped LLM doesn’t have one.
A Section 75 chargeback ticket hits your disputes queue. You POST the customer’s message with your own case_reference and customer_id. The response comes back with the cited authority (CCA 1974 s.75), the entitlement analysis, a paste-ready customer reply, agent talking points your conduct team can sign off on, the FOS escalation path, and a structured claim-value estimate — all keyed to your ticket so your CRM persists the response without an out-of-band correlation step.
POST /api/v1/disputes
Authorization: Bearer pbk_live_xxx
Content-Type: application/json
Idempotency-Key: tk_8f2c41b9-2026-04-28
{
"scenario": "Customer raised a Section 75 dispute via in-app chat:
'Paid £640 on my credit card to Acme Furniture for a sofa. It arrived
damaged. The merchant has refused repair or refund and stopped
replying. I want my money back.'",
"case_reference": "ZD-89742",
"customer_id": "cus_18b3a92f",
"context": {
"merchant": "Acme Furniture",
"transaction_amount": 640.00,
"payment_method": "credit_card",
"purchase_date": "2026-03-12",
"channel": "in_app_chat"
},
"channel": "webchat",
"amount": 640
}200 OK
Content-Type: application/json
X-RateLimit-Limit: 10000
X-RateLimit-Remaining: 9847
{
"statute": "Consumer Credit Act 1974, s.75",
"dispute_type": "finance",
"regulator": "FCA / Financial Ombudsman Service",
"entitlement": {
"summary": "Equal claim against the card issuer for breach of contract by the supplier under s.75 CCA 1974.",
"rationale": "Single transaction £100-£30,000 paid by credit card; debtor-creditor-supplier chain established; supplier in breach of s.9 CRA 2015 (satisfactory quality) and refusing remedy. Liability under s.75 is joint and several with the merchant.",
"additional_rights": ["Consumer Rights Act 2015 s.20-24", "Consumer Credit Act 1974 s.75A"],
"estimated_success": "high"
},
"customer_facing_response": "Thanks for raising this — under Section 75 of the Consumer Credit Act 1974 you have an equal claim against us as you do against Acme Furniture, because the purchase was £100-£30,000 on credit card. We're escalating this as a Section 75 claim and will refund £640 to your card if our investigation confirms the breach…",
"agent_talking_points": [
"Cited authority: Consumer Credit Act 1974, s.75",
"Single transaction within £100-£30k threshold — s.75 applies",
"Joint and several liability with merchant; we don't need to wait for them",
"8-week final-response window before FOS escalation",
"Statutory deadline applies — flag urgency."
],
"claim_value_estimate": { "min": 384, "max": 640, "currency": "GBP" },
"time_sensitivity": "high",
"draft_letter_excerpt": "Re: Section 75 claim against Acme Furniture, transaction dated 12 March 2026, amount £640. Under section 75 of the Consumer Credit Act 1974 we as your card issuer have a like claim against the supplier, who has been afforded reasonable opportunity to remedy the breach…",
"escalation_path": [
{ "step": 1, "to": "card_issuer_disputes", "wait_days": 14 },
{ "step": 2, "to": "Financial Ombudsman Service", "url": "https://www.financial-ombudsman.org.uk", "wait_days": 56 }
],
"legal_references": ["Consumer Credit Act 1974, s.75", "Consumer Rights Act 2015, s.9"],
"confidence": 0.92,
"case_reference": "ZD-89742",
"customer_id": "cus_18b3a92f"
}Refreshed daily by an automated legal-monitoring cron — the published index is always the index the engine grounds against. Subscribe to the statute.updated webhook and your compliance team is notified within 24 hours of any material change to a statute, regulator code, or guidance note that the API can cite.
Section 75 chargeback triage at the agent UI. CCA 1974 disputed-credit handling. FOS-readiness scoring on every escalation. Statute-grounded responses your conduct team can sign off on.
Wrongful-decline detection at first notification. FCA general insurance pricing-rule checks at renewal. FOS escalation pathing baked into the claims pipeline. Treating-Customers-Fairly evidence on every reply.
Ofgem licence-condition compliance on billing disputes. 12-month back-billing detection. Ofcom GC C1 service credit calculations. Mid-contract CPI rise eligibility checks. Penalty-free-exit triage on cancellation flows.
UK261 entitlement returned with the cited regulation, not a paraphrase. Distance-banded compensation, extraordinary-circumstances test, EU261 grandfathering, denied-boarding pathways. Same engine that drives the consumer self-serve claim.
Embed in Zendesk, Intercom, HubSpot, Front, Gladly — every inbound consumer dispute returns the cited statute, agent talking points, and a paste-ready customer reply. Cuts AHT by 40-60% in early deployments.
UK-aware tool calls. The engine is exposed as MCP so a Claude / Gemini / GPT-class agent can ask for statute, entitlement, draft, and escalation in one round-trip — without paraphrasing law it doesn’t know.
Every customer gets passwordless self-serve access to a full operations console — not a Notion page, not a support ticket, a real portal.
30-day stacked-bar chart of OK vs error volume. Per-key usage bars colour-coded at 60% and 90% of the monthly cap. Stat row shows active keys, calls, errors, audit events at a glance.
Last 50 API calls with timestamp, key prefix, endpoint, HTTP status badge, latency, error code. Click any row for the full detail drawer. Filter by status, key, or free-text search.
Every key action (create, revoke, re-issue, reveal, sign-in) logged with actor (customer / founder / Stripe / system), IP address, user agent, full metadata JSON. Append-only. Forward-able to procurement.
Register HTTPS endpoints, choose events, get a signing secret shown ONCE at creation. Send test pings from the portal. Recent deliveries table with HTTP status + latency + error. 5 consecutive failures auto-disable.
Re-issue (revokes old, mints new, plaintext shown once). Revoke (kills the key instantly). Full key history including revoked entries, with timestamps. No ticket required, no founder in the loop.
Download usage and audit logs as CSV (5,000 rows per export). Plug into your own SIEM, compliance dashboard, or quarterly board pack without us in the way.
Invite teammates with admin or viewer roles. They sign in with their own work email, everyone sees the same account. Procurement, security, eng, and CX all in one place.
Try POST /v1/disputes live with your own key. Inspect the full response, latency, and status code without leaving the portal. No Postman, no curl gymnastics.
p50 / p95 latency and 24h uptime on the portal home, plus a public /status page you can link to from procurement docs.
Restrict each Growth or Enterprise key to a list of source IPs. Calls from anywhere else return 403. Defence-in-depth for the keys your CX agents use.
Per-customer Monday digest with last 7 days of usage, errors, p95 latency, and per-key breakdown. Toggle off in the portal if you'd rather not receive.
Sign in via passwordless 30-min one-time link — no Paybacker user account to create. Demo: paybacker.co.uk/dashboard/api-keys
A 1,000-call pilot. No card. Self-serve.
Production traffic. Subscribe and get a key in your inbox in seconds.
100k calls + dedicated tenant + statute SLA + legal-engineering review.
All tiers shown in GBP, monthly, exc. VAT. Cancel anytime via the customer portal.
We built Paybacker — the UK consumer-rights AI assistant — to give households the ability to write a statutorily-grounded dispute letter in 30 seconds. The engine has been running in production, generating thousands of complaint letters citing the Consumer Rights Act 2015, Section 75, Package Travel Regs, UK261, and a long tail of sector-specific regulation.
We are now opening the same engine to platforms that need UK consumer-law reasoning inside their own products — without rebuilding the statute index from scratch.
Starter is free and self-serve. Paid tiers go via Stripe Checkout — your key arrives by email within seconds of payment success.
For bespoke deployments, on-prem hosting, or volume above Enterprise — email business@paybacker.co.uk and we will reply within 24 hours.
Yes — the same statute index, retrieval pipeline, entitlement reasoner, and letter generator. The B2B surface is a stable REST contract on top with bearer-token auth, monthly rate limits, audit logging, idempotency keys, and a customer portal. MCP is on the roadmap for Growth tier customers.
A daily legal-monitoring cron watches legislation.gov.uk, FCA / Ofcom / Ofgem / CAA / ORR publications, and the Financial Ombudsman Service decision feed. Every reference is reviewed and the engine’s verification_status field flips to current / updated / superseded. The published /coverage page reflects what the engine actually grounds against today — it cannot drift from production.
Subscribe to the statute.updated webhook event from your customer portal. The legal-monitoring cron fires it within 24 hours of a material change being verified, with the affected category + a diff of what changed. Compliance teams use it to drive their own internal review workflow.
The engine cites primary statute and regulator guidance as the grounding authority. Persuasive case authorities are surfaced in the rationale only where they materially change the entitlement (e.g. Wakefield v Loganair on UK261 extraordinary circumstances). We do not generate untested legal positions — if a scenario doesn’t map to a verified reference, the API returns 422 NO_STATUTE_MATCH instead of guessing.
A generic LLM hallucinates UK statute citations — cites repealed acts, invents thresholds, confuses England with Scotland. Anti-hallucination here is structural: every citation is pulled from a curated table BEFORE the model is prompted, the prompt instructs the model to ground only in those citations, and the response shape is parsed into typed fields. You get UK consumer-law reasoning that won’t embarrass your conduct team in front of the FCA, the FOS, or your own users.
Request bodies are not stored. We log endpoint, status, latency, your case_reference and customer_id (if you supplied them), and the primary cited statute — never the scenario text or PII. Logs land in EU-region Supabase. Idempotency keys are stored hashed for 24h.
p50 latency is 2-3s end-to-end, p95 is 4-5s, dominated by the LLM call. The engine is parallelisable up to your tier’s monthly cap; we don’t enforce per-second burst limits below 50 rps. Enterprise customers get dedicated tenant infrastructure to insulate against noisy-neighbour effects.
Email business@paybacker.co.uk — on-prem and dedicated VPC are supported under Enterprise contracts. Includes the statute index updated via signed delta releases.