Upload your lease and service charge documents. Get an honest assessment of what's challengeable, what it's worth, and the letters to send.
For leaseholders in England. Not legal advice, no guarantees, no nonsense.
60-second check · free · no upload
1.0 / The problem
The landlord and its managing agent decide what's spent, who's paid and how it's split. You pay, usually without seeing a single invoice. The law gives you real rights to question it. Almost nobody uses them, because it means reading an 80-page lease and knowing which complaints actually win.
2.0 / Upload
Phone photos, scanned leases, PDF demands. We identify each document, read it, and cite the page and the exact words for every fact we rely on. Missing something? We draft the letter that makes your agent send it, with the legal deadline in it.
3.0 / The verdict
Most people attack the management fee first. It's usually the one that loses, and losing it costs you credibility on the points that would have won. Every point gets a straight verdict, a realistic value and the clause it rests on. Fixed rules make the call, so the same documents always get the same answer.
4.0 / The letters
Service charge: points in dispute
1. Apportionment
My lease requires the apportionment to be fair and reasonable, made “having regard to the relative degree of benefit obtained by the Tenant”. I obtain no benefit from the lifts or the cleaning of internal corridors. My contribution to these items is approximately £630 a year…
2. Year-end accounts
Certified accounts have not been provided for the years ending 31 December 2024 or 2025…
An information request, a challenge letter with the strongest points first, a chaser that cites the criminal offence for ignoring you, and the complaint for when they still don't answer. You check them, you send them, you stay in control.
5.0 / Your neighbours
Every flat on your schedule pays from the same budget, so the same problems are on your neighbours' bills. Send them a free check. Letters from several flats get answered faster, and together you can form a recognised tenants' association or take over management entirely.
Why this exists
“My service charge on a two-bed in London went up by more than half in five years, with no new services. I did what everyone does: got angry and wanted to attack the management fee.
Then I read the lease properly. The management fee was below the national average; I'd have lost. But the lease said my share had to reflect how much I actually benefit from each service, and that I could take a dispute to an independent surveyor. My weakest-sounding argument was my strongest. I built Overcharged so nobody else needs three weeks and a law library to find that out.”
Questions
No. It's an initial assessment based on your documents, with no guarantee of any outcome. We show you where the evidence is so you can check every point yourself before you send anything, and we tell you when to get advice from LEASE (the free Leasehold Advisory Service) or a solicitor.
Then we'll tell you. The free check says plainly when a charge looks normal or low, and the assessment marks arguments that would lose as "Don't bother". We'd rather lose a sale than send you into a fight you can't win.
Whatever you have. The most useful are your lease, your latest demand and the budget that came with it. We'll tell you what's missing and draft the letters to get it: your agent has to provide a summary of costs within a month if you ask in writing.
Asking questions about your service charge is your legal right, and the letters are polite and specific. Agents get these requests all the time. What changes is that yours has the evidence in it.
A dispute has to be declared to buyers, so timing matters, and we say so. But a high charge already affects your sale: some lenders get cautious once the annual charge passes 1% of the flat's value. Getting it down helps.
They're read on servers in the US and EU by providers that don't store or train on them. We keep them for six months so we can read the agent's reply with you, then delete them. You can delete everything instantly at any time.
England only for now. Wales has a different tribunal and Scotland a different system entirely; both are on the list.
Your top findings are free, and you'll see exactly what the full assessment covers before you pay anything.
Only to upload documents, so they're kept safe and you can come back to them. Just an email, or one click with Google. We fill in your flat's details from your documents and only ask what they can't tell us.
Top findings free. Ten minutes with your documents.