UK Consumer-Credit Defence Training
Defend yourself against UK debt purchasers.
Learn the Consumer Credit Act 1974, the Limitation Act 1980, LPA s.136 assignment law and UK GDPR — in plain English. AI tutor included. One-off £100. Lifetime access.
Course summary
2 modules · 24 sections · 1 AI tutor
- Plain-English explanations of complex statute
- Real worked examples from UK debt cases
- Built-in AI tutor translates and explains
- Section + module tests with instant marking
- One-off £100 fee — no subscription
What you'll learn
Two modules of twelve sections each — plus a practical-tools module to come.
Module 1 — The Foundation
What a debt actually is in UK law. The Consumer Credit Act 1974. The Limitation Act 1980. LPA s.136 assignment law. UK GDPR. The regulator map. The eleven myths that keep people paying debts they may not owe.
Module 2 — The Campaign
The 8-Point Challenge Process. From DSAR through CCA s.78 enforceability strike, LPA s.136 challenge, the CONC + GDPR combined attack, ICO and FOS escalation. Plus the Three Shields: Formal Dispute Lock, Solicitor Verification, Triple Clock Tracker.
Module 3 — Practical Tools
Available when the Challenger software launches. Letter templates, evidence bundles and the operational playbook for running your own challenge end-to-end.
What it IS
- A complete UK consumer credit defence training course
- Plain English explanations of complex statute
- Real worked examples from UK debt cases
- A built-in AI tutor that translates and explains
- One-off £100 fee, lifetime access, no recurring charge
What it ISN'T
- A guarantee that any specific debt will disappear
- Legal advice for an active case (we teach concepts, not represent individuals)
- A get-out-of-debt-free card
- A subscription — pay once, learn forever
A note on the Challenger software. The Willoughby Challenger software is available separately at willoughbychallenger.uk. It requires an active Willoughby Genius membership (£25 per 28 days). If you also want Counsel Light functionality, that's an additional £5 per 28 days. The Academy course is a prerequisite — complete the training here first, then decide whether the software is right for you.