Using AI Tools for Your Claim | Consumer Claims Handbook

#Which AI Tools Can Help?

All of these have free versions that are more than capable for consumer claims:

Tool	Free Access	Best For
ChatGPT	chat.openai.com	General drafting, explaining concepts, web browsing
Claude	claude.ai	Longer documents, nuanced reasoning, detailed letters
Gemini	gemini.google.com	Quick answers, Google integration, finding contact info
Copilot	copilot.microsoft.com	Web search, Microsoft integration
Perplexity	perplexity.ai	Research with citations, finding current information

#What AI Can Do For You

✅ Draft complaint letters – Give it the facts, get a professional letter back

✅ Explain your rights – "What are my rights under Section 75?"

✅ Find contact details – "What's the complaints email for Barclays?"

✅ Review your draft – "Check this letter for tone and completeness"

✅ Calculate compensation – "How much flight delay compensation am I owed?"

✅ Identify evidence needed – "What evidence do I need for a tenancy deposit claim?"

✅ Simplify jargon – "Explain this rejection letter in plain English"

✅ Suggest next steps – "The bank rejected my complaint – what now?"

✅ Prepare for calls – "What should I say when I call about this?"

#🚀 Starting Prompts

The best approach is to let the AI ask you the right questions. Just tell it what type of problem you have, and it will guide you through what it needs to know.

#Simple Starters (Copy & Paste)

Pick whichever matches your situation:

#Examples in Action

You type:

I want to make a motor finance claim. Guide me through what you need to know.

AI asks:

Great, I can help with that. Let me ask a few questions:

What type of finance was it? (PCP, HP, lease purchase, etc.)

When did you take out the agreement?

Who was the lender and which dealer did you buy from?

Were you told about any commission arrangement at the time?

You answer naturally, and the AI keeps asking relevant follow-ups until it has what it needs.

This is much easier than trying to remember everything upfront!

#📝 Follow-Up Prompts Library

Once you've started the conversation, use these prompts to get specific help:

#Finding Contact Information

"What is the official complaints email address for [COMPANY NAME]?"

"Search for [COMPANY NAME] complaints contact details UK"

"How do I find where to send a complaint to [LENDER NAME] about PCP finance?"

"What's the Financial Ombudsman complaint form website?"

#Generating Complaint Letters

"Write me a formal complaint letter based on our discussion. Make it professional but firm."

"Draft a Section 75 claim letter for my credit card company about this situation."

"Create a complaint letter that references the relevant UK consumer law."

"Write a follow-up letter – they haven't responded in [X] weeks."

"Draft a letter escalating this to the Financial Ombudsman Service."

"Write a 'letter before action' for small claims court."

#Understanding Your Rights

"What specific laws protect me in this situation?"

"What's the time limit for making this type of claim?"

"Can you explain Section 75 / the Consumer Rights Act / GDPR [etc.] in simple terms?"

"What are the grounds I can use to make this complaint?"

"What compensation am I entitled to?"

#Evidence and Documentation

"What evidence do I need to gather for this claim?"

"What documents should I request from [COMPANY] using a Subject Access Request?"

"How do I calculate my losses for this complaint?"

"What should I include in my timeline of events?"

#Responding to Rejections

"The company rejected my complaint. Here's their response: [PASTE]. What are the weaknesses in their argument?"

"They said [REASON]. Is this a valid defence?"

"How do I escalate this to the ombudsman?"

"Draft a response challenging their rejection."

#Preparing for Phone Calls

"I need to call [COMPANY] about this. What should I say?"

"Give me a script for making a complaint call."

"What questions should I ask when they call me back?"

"How do I stay calm but firm during the call?"

#Research and Verification

"Is [COMPANY] still trading? Can I still claim?"

"What's the current compensation rate for [TYPE OF CLAIM]?"

"Are there any recent rule changes affecting this type of claim?"

"Find me the FCA guidance on [TOPIC]."

#💪 Power User Prompts

For more advanced help:

#Getting the AI to Research

"Search for successful cases of [TYPE OF CLAIM] and what arguments won."

"What has the Financial Ombudsman said about cases like mine?"

"Find the FCA's final rules on motor finance commission."

#Reviewing Documents

"Here's the contract I signed: [PASTE]. Are there any unfair terms?"

"Review this rejection letter and identify every point I can challenge: [PASTE]"

"Check my draft letter for any legal or factual errors: [PASTE]"

#Calculating Compensation

"Calculate my potential compensation: I paid £[X] in charges over [Y] months at [Z]% interest."

"Work out the 8% statutory interest on £[AMOUNT] from [DATE] to today."

"What's my flight delay compensation? [DISTANCE]km flight, [HOURS] delay, [AIRLINE]."

#Getting Tactical Advice

"What's the strongest argument I can make in this situation?"

"If they offer £[X] to settle, is that fair?"

"Should I accept their offer or push for more? Here's what they said: [PASTE]"

#🎯 Claim-Specific Starters

Just pick the one that matches your situation. The AI will ask for the details it needs.

Claim Type	Simple Starter
Motor finance	"I want to claim back commission on my car finance. Ask me what you need to know."
Tenancy deposit	"My landlord didn't protect my deposit properly. Help me make a claim."
Flight delay	"My flight was delayed. Help me claim compensation."
Section 75	"I paid for something on my credit card and there's a problem. Can I claim under Section 75?"
Chargeback	"I need to do a chargeback on my card. Guide me through it."
Overdraft/lending	"I think my bank lent me money irresponsibly. What can I do?"
Packaged bank account	"I was sold a bank account with insurance I didn't need. Can I get a refund?"
Pension mis-selling	"I think my pension was mis-sold. Help me understand if I have a claim."
Data breach	"My data was exposed in a breach. Can I claim compensation?"
Parking ticket	"I got a parking ticket I want to appeal. Help me."
Energy/broadband	"I've had problems with my energy/broadband provider. What are my options?"
Faulty goods	"I bought something faulty. What are my rights?"
Housing disrepair	"My landlord won't fix problems in my home. What can I do?"
Not sure	"I think I've been treated unfairly by a company. Help me figure out what kind of claim I might have."

#Tips for Getting the Best Results

#Do:

✅ Include specific dates, amounts, and company names
✅ Paste in relevant documents (letters, contracts, emails)
✅ Explain your personal circumstances if relevant
✅ Ask follow-up questions to refine the output
✅ Request changes: "Make it more formal" / "Add this point" / "Shorten it"

#Don't:

❌ Be vague – "help me complain about something"
❌ Assume the AI knows your situation – tell it everything
❌ Accept the first draft if it's not quite right – iterate
❌ Forget to verify current information (deadlines, contact details)

#⚠️ What AI Cannot Do

#A Real Example Conversation