Don’t Just Pay It. Question It.
A Section 20 notice can land on your doorstep demanding thousands of pounds for works you never asked for, can’t see the value of, or are hearing about for the first time in the final bill. You have every right to ask hard questions before you pay a penny. We help you ask them properly, and put the answer in writing.
Section 20 Defender turns your notice, demand, or invoice into a complete Defence Pack - every issue area checked against your evidence, a page-cited chronology, a cost table, and a draft observation letter you control, for leaseholders in England.
Everything in your Defence Pack
Covers a long leaseholder in England facing a Section 20 notice or service charge dispute - not a freeholder, a tenant, or a case outside England. Not legal advice; see our full disclaimer.
Ex-Council Leaseholders Often Face Large, Repeated Bills
Bought your flat under Right to Buy, then found yourself billed years later by your landlord or managing agent for works you had no say over? You’re not alone. It’s common, it’s exhausting, and it’s exactly why this service exists - read why we built it. If your council is still your freeholder, find their leasehold team’s contact details.
We look your postcode up with postcodes.io, a free open-data service, to find your council. We don’t store it. Your landlord may not be the council - the name on your notice or demand is the most reliable guide.
Ten Issue Areas, Checked Against Your Documents
We organise your evidence against our fixed set of ten Section 20 and service charge issue areas - honestly, document by document - so you can see what your documents cover and what’s missing.
Your Home Is Worth Defending
A big bill arriving out of nowhere, for works you can’t verify, from a landlord who may not explain the costs unless you ask. You shouldn’t need a solicitor on retainer just to ask reasonable questions about your own home.
That’s what we help you do: organise what your documents actually show, spot what’s missing or doesn’t add up, and put it to your landlord clearly and calmly, in writing. Not a threat. Not a guess. A record.
What’s Genuinely Worth Checking
Well worth investigating
- A consultation notice that arrived late, incomplete, or not at all
- A demand that arrived long after the works were actually done
- Costs charged with no itemisation, quotes, or comparison
- A Right to Buy initial-period bill that looks higher than your original estimate
We’ll flag, not resolve
- Whether a specific charge is legally payable - only a tribunal can decide that
- Building safety / cladding costs - always a case for a specialist
- An active tribunal, court case, or forfeiture threat - see a solicitor first
Read our full guide to Section 20 notices for a complete breakdown, or browse our full guide library.
A Complete Defence Pack, Built Around Your Case
Understanding your case is what actually helps: what your evidence shows, what’s missing, and what to ask. That’s what your Defence Pack delivers - an issue analysis, a chronology, a cost table, and a draft observation letter, all built specifically around your property.
Solicitor Letter Before Even Asking a Question
- Expensive professional fees - often hundreds of pounds
- Appointments can take time to arrange
- Most useful once you know what's missing, or when a deadline is close
Section 20 Defender
- £14.99 fixed fee
- Complete Defence Pack: issue analysis, chronology, cost table & observation letter
- Honest, evidence-graded - never inflated
- Missing-evidence report included
How It Works
Tell Us What Happened
Paste your Section 20 notice or demand, and we'll check the case is in scope.
Get an Honest Issue Analysis
We check every issue area against your evidence - nothing inflated, nothing invented.
Add Your Evidence
Add your own words and supporting documents - invoices, photos, earlier notices, and more.
Get Your Defence Pack
A chronology, a cost table, a missing-evidence report, and a draft observation letter.
Not sure what applies to your notice?
Read our guides on the process, evidence, and escalation routes.
An Organised Case, Not a Guaranteed Outcome
This is about your money and your home, which is exactly why we won’t tell you what you want to hear if it isn’t true. No service - including this one - can honestly tell you whether a specific charge is lawful, or predict how a tribunal would rule. What we can do is help you see clearly: what your evidence actually shows, what’s missing, and what’s worth asking.
Our pack readiness score measures how complete and organised your evidence is - never a legal opinion, never a prediction. Where something is missing, we say so, rather than papering over the gap.
That’s what a genuinely evidence-led Defence Pack gives you - clarity, not false confidence.
Stop Wondering. Start Asking.
Every issue area checked, your evidence organised, a chronology and cost table built, and a draft observation letter ready - your complete Defence Pack for one fixed fee of £14.99.
Build My Defence Pack