Why County Court Defence is where we start.

The biggest under-served legal moment in the country: a hard deadline, where almost everyone loses by doing nothing — and a self-help document does most of the work.

1.7m

money & damages claims issued in 2025, up 14% year on year¹

~93%

of judgments entered by default — no defence was filed²

~996k

new consumer CCJs in 2025, up ~12% — near a post-pandemic high³

~279k

claims defended in 2025 — defendant unrepresented in about half⁴

We compete with doing nothing, not with solicitors.

Around 93% of judgments are entered by default — people lose because they never reply, not on the merits. The resulting CCJ then sits on the public register for six years⁵, blocking credit, tenancies and jobs. Our competition is the silence; the price to beat is £0 of effort.

Platform, not tool

Upload→ Assess→ Defence The same read → guide → draft engine extends to parking charges, deposit disputes and Section 21. CCD is the hardest case; win it and the rest follow. Live prototype already built — real AI extraction + court-tight drafting (CPR 16.5).

Who we're for

The person who's just been served

An employed person sued by a debt purchaser — Lowell, Cabot or PRA — over an old credit-card debt. A 14-day clock, an intimidating pack, and no intention of paying a solicitor £200+ to answer a £1,600 claim.

The white space

Nobody owns this corner

Charities advise but don't draft the defence. Debt-advice steers to payment plans. Legal-tech builds for claimants. Solicitors are priced out of sub-£10k claims.

The gap: tailored + defence-drafting + affordable + consumer-facing — all four, in one place.

Legally clean

Below the reserved-activity line

Preparing self-help documents and giving legal information is not a reserved activity under the Legal Services Act 2007; "conduct of litigation" is narrowly construed (Agassi v Robinson). The user reviews, signs and files in their own name; we never take a formal step for them.

Reach & pricing

Near-zero-CAC, moment-of-need

Highest-intent search, debt-forum presence and charity referral — demand surfaces itself when the envelope lands.

Indicative £30–60Indicative · Ed's call — a fraction of a solicitor, set to beat "do nothing".

A strong wedge — and the usual "consumers don't want to litigate" objection doesn't bite: the user has already been sued, so inaction is the default loss.

The question for validation isn't "will people litigate" but "can we reach and convert them inside 14 days, at a price they'll pay, with something they trust." Full process mapped both sides — N9 · N180 · N244 ↔ N1 · N225 · N323, gov.uk/CPR, verified Jun 2026.

1. 1.7m money & damages claims issued 2025, +14% YoY — MoJ, Civil Justice Statistics Quarterly, Oct–Dec 2025. 2. ~93% of County Court judgments entered in default (no defence filed) — MoJ, same release. 3. 996,261 new consumer CCJs E&W 2025 (+11.8%); 1,163,903 incl. business — Registry Trust, Q4 2025. 4. ~279k claims defended 2025; defendant unrepresented in ~half (latest quarter) — MoJ. 5. A CCJ stays on the Register of Judgments, Orders and Fines for six years (removed if paid within one month) — Registry Trust.

Defended.Withlegalhelp.

Internal strategy — not a customer surface. Figures fortified against MoJ / Registry Trust / CPR primary sources; full citations in docs/market-research-ccd-2026-06-15.md.