Leasehold · England & Wales
Your service charge, checked line by line.
A forensic review of your demand against your lease and the Landlord and Tenant Act 1985 — the work a solicitor bills £750+ for, at £49. Every line checked, findings graded and cited, the full report yours to keep. If there's a case to challenge, your challenge papers are drafted for your signature, £100 more. Delivered within 48 hours of your documents.
of service charges tested at tribunal in 2025 were found to include overcharging.
the average annual service charge, up 4.6% in a year.
reported waits for the free government advice line. Your payment deadline won't wait with you.
In our specimen review, £1,486.00 of a £2,846.00 demand carried challenge grounds — composite scenario, real law, every finding cited. The full specimen is published, so you can see exactly what you'll get.
What you receive
Items 1 to 4 are the review: the £49 diagnosis, complete and cited, yours to keep whatever it finds. Item 5 — the challenge papers, drafted for your signature — is the £100 stage, prepared only when the review finds something worth sending.
Line-item review against your lease
Every charge on the demand checked against what your lease actually allows the landlord to recover. Charges outside the lease terms are identified and quoted back to the clause.
Reasonableness analysis
Costs are only recoverable to the extent they are reasonably incurred and works are of a reasonable standard. We flag the items worth challenging and why.
LTA 1985 s.19Procedural checks landlords fail
Consultation requirements on major works, the 18-month rule on late demands, and the prescribed information your demand must carry — each one a ground that can cap or suspend what you owe.
ss.20, 20B, 21BYour options, mapped
Each finding graded honestly, and a plain-English route through what you can do about it — from requesting the accounts to applying to the First-tier Tribunal, which is designed for leaseholders without lawyers. Cited throughout, so you can act on it yourself if you choose.
LTA 1985 s.27AThe challenge papers — drafted for your signature £100 stage
Where the review finds grounds: the accounts-inspection request (ss.21–22), the letters to your landlord or agent citing each ground, and your tribunal application, each prepared for your signature and cited. Prepared only when there's something to send — nothing to challenge, nothing to draft, nothing more to pay.
LTA 1985 ss.21–22, s.27AThe fee
- Not a law firm, and doesn't pretend to be one. You stay in control of every letter sent.
- No percentage of anything. No "no win no fee". No upsell calls.
- If there's nothing to challenge, the £49 review is the whole cost — no challenge papers to draft, nothing more to pay — and you keep the full report. The honest answer costs £49.
- Full refund of the £49 any time before your report is sent — that’s your statutory 14-day cancellation right, stated the useful way.
Who does the work
Greyledger pairs AI systems that read every line — your lease, your demand, the statute — with a human operator who is accountable for the service, handles complaints, and honours refunds. The pairing is how the price is possible: a solicitor's £750 buys hours of one person's time; the review here is £49, the challenge papers £100 more, with the working shown.
Every finding in your report cites the document and section it comes from, so you — or any professional you later instruct — can check it.
Start your review
- Pay £49 through Stripe for the review; your receipt arrives by email within a minute.
- Reply to the receipt with your documents — the demand, your lease (photos are fine if legible), and last year’s demand if you have it. For anything sensitive, password-protect the file and send the password in a separate email. We confirm your documents have arrived and are readable before the 48-hour clock starts.
- Your report arrives within 48 hours — the full review either way, every finding graded and cited, your options set out. If there's something worth challenging, you can add the challenge papers, drafted for your signature, for £100. If there isn't, the review is the whole cost and there's nothing more to pay.
Have a question first? hello@greyledger.co.uk — replies same day.
Fair questions
What if you find nothing wrong?
Then the £49 review was the whole cost, and you keep the full report — everything it checked: the four statutory tests, every line against your lease, all cited. There's simply nothing to challenge, so there are no challenge papers to draft and nothing more to pay. Knowing your demand is sound costs £49. And you can still cancel for a full refund any time before your report is sent.
Will my landlord or agent know I’ve done this?
No. Nothing is sent to anyone unless you send it. The challenge papers arrive drafted for your signature; whether and when to use them is entirely yours.
I’ve already paid the demand — too late?
No. Charges already paid can still be challenged at the tribunal (s.27A(5) LTA 1985) — payment alone doesn’t count as agreement. Sooner is better, but paid is not lost.
My payment deadline lands before your 48 hours are up — what then?
The deadline matters less than it feels like it does. Paying does not surrender anything — charges already paid can still be challenged at the tribunal (s.27A(5) LTA 1985), so pay-and-challenge costs you nothing but temporary cash. And in some cases the money is not legally due yet at all: a demand that fails to identify your landlord is treated as not due until that is corrected (ss.47–48 LTA 1987). Your report states plainly which position you are in, and the challenge papers put it in writing for you if there's a case worth sending. If your date is tight, send your documents the minute you’ve paid — the clock starts as soon as we confirm they’re readable.
My landlord is a council or housing association — does this still work?
Yes — the reasonableness rules and the tribunal route apply to social landlords too. One or two of the criminal-enforcement levers differ for local authorities; your report states which apply to you.
My lease is a 90-page scanned PDF from 1974. Really?
Really. Exhaustive reading of long, dull documents is precisely the thing this service is built on. Photos are fine if every word is legible.
Who actually does the work?
AI systems do the reading and drafting; the human who runs Greyledger is accountable for every report, complaint and refund. Every finding cites its source so you — or any professional — can check it. See our privacy page for exactly how your documents are handled.
Know where you stand first
Plain-English guides to the law behind this service, each citing the sections it relies on: how to challenge a service charge · can I refuse to pay? · is my demand valid? · the 18-month rule · how often can charges increase? · challenging after payment.
Not ready to buy? The accounts inspection letter template (LTA 1985 ss.21–22) and our 10-point overcharge checklist are free. No sign-up, no follow-up sequence, no calls.
- Social Housing Action Campaign analysis of 238 First-tier Tribunal judgements, 2025 — overcharging found in more than 63% of cases (shaction.org, February 2026).
- Average annual service charge £2,405, up 4.6% year on year (reported March 2026).
- Reported initial-response waits at LEASE, the government-funded leasehold advisory service (Trustpilot, October 2025; LEASE Business Plan 2025/26 notes extended waiting times).