Last updated 15 June 2026
scanyourletter gives you information and helps you write your own letters. It is not regulated debt advice and we are not authorised by the Financial Conduct Authority. We do not tell you which debt solution to choose and we do not deal with creditors for you. For free regulated advice, the services listed below are excellent and cost nothing.
scanyourletter reads a letter you photograph and explains, in plain English, who sent it, what they can and cannot do, the deadlines that matter and a sensible next step. It can prepare draft letters, such as a parking appeal, a request for proof of a debt, a payment offer or a Breathing Space pack, for you to check and send in your own name.
If you want free, regulated, independent debt advice, these services are free and we recommend them:
The Breathing Space scheme can only be started by an FCA-authorised debt adviser or a local authority. We can prepare a pack to make that conversation quick, but we hand it to an authorised adviser to submit. We never charge you for a Breathing Space or for referring you to one.
The repayment pot is a record of money kept in your own bank account. We do not hold, receive or move your money, and we do not take a cut of anything you pay a creditor.
The letter reading is produced by AI and can make mistakes, miss details or misread a deadline. Always read your own letter, check the dates and amounts yourself, and get free regulated advice before making an important decision. You rely on the app’s output at your own discretion.
We provide the app with reasonable care, but to the fullest extent permitted by law we are not liable for losses arising from your use of it, including a misread letter, a missed deadline or a decision you take based on its output. Nothing in these terms limits liability that cannot be limited by law, such as for death or personal injury caused by negligence, or for fraud.
Reading a letter and understanding where you stand is free. Anything you ever pay for is the software tool itself, such as letter drafting, deadline tracking and the pot, and never advice. We are not paid for advice, we do not take a fee in advance of a debt solution, and we never charge for free services we are required to signpost. Any charge is shown clearly before you pay.
We may update these terms and will change the date above when we do. These terms are governed by the law of England and Wales. Questions: hello@scanyourletter.com.
See also our privacy policy for how your data is handled.