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OCC Is Not A Claims Company Or Legal Firm. We Are A FinTech Software Co.

With Years Of Experience In Complaints & Claims. We Built An Easy To Use DIY Consumer Centric AI Software Platform.

We Operate A Remote Working Environment Option Allowing Us To Appoint The Best Staff Regardless Of Their Location.



OCC AI - Platforms ....... ANYTIME ....... ANYWHERE ....... ON ANY DEVICE.













Our mission is to make the Financial Products Market & The Personal Injury Sector "Work Better" for Consumers & Business owners. The OverCharged Checker software operates a simple but unique reactive AI real-time online dispute resolution (ODR) platform, designed to make sure banks, lenders, and other financial institutions as well as insurers treat you fairly. Offering UK consumers a platform for seeking out, redress, accurate remediation payouts, and accountability within the sectors.

As an innovator in RegTech, we aim to promote transparency through positive technological change within the financial product market and the personal injury sector. We provide "real-time" AI software platforms that allow quick and easy access for consumers and business owners to check all their financial products for compliance and regulatory adherence markers covering but not limited to; overcharging compliance breaches and potential misleading or mis-selling practices. The same underlying principles apply to our Personal Injury platforms allowing consumers access to justice via the "DIY" AI format.

Once identified such issues can then be fully evidenced from the OCC AI platforms directly to the appropriate providers, thus commencing a compliant structured complaint and claim.


We are a small Fintech company specializing in regulatory technology that assists consumers and business owners, via our software platforms to identify potential overcharging, calculation errors, mis-selling, and regulatory compliance breaches by big businesses. We offer a great service, with clear information, bringing honesty to the sector. We love to help people identify compliance breaches, overcharging, and misselling by their financial providers.

Better still we love the idea that consumers and business owners can now use our "DIY" software platform to identify errors, miscalculations, breaches, overcharging, and claim back thousands of their own pounds, as well as appropriate compensation, keeping 100% of any payout. 

Understanding the four types of AI - Click.


Our CEO has over 30 years in the claims industry and was previously licensed by the Ministry Of Justice (MOJ) authorized to deal with financial claims. We decided in 2018 to harness our experience & develop software, that would allow consumers to check, generate and evidence their own complaints, cutting out the use of claims companies and the huge fees they charge, by building our bespoke Overcharged Checker software platform.

Using structured digitized technology, combined with our unique purpose-built AI financial product compliance indexed database, working beneath the software platform. This allows the software to generate multiple seamless financial reports of standardized Online Dispute Resolution (ODR) formats, for clients to use in properly evidencing, complaints, and claims to their financial providers and legal agents.

Fast forward to 2023, having built & tested our OCC Beta platform, we then decided to commercialize & accommodate the expanding need for our consumer and business-related software services - The Overcharged Checker platform was launched.


Our staff use their broad range of experience and qualifications that cover all financial products, from simple bank accounts to complex mortgages, pensions, and investments and use these attributes to assist in the proper and ongoing regulatory compliant construction of the live OCC platform.

Our OCC software-generated reports for Mortgages are CeMAP & CeRCH compliant, investments are CISI & CeRCH compliant and pensions are PMI & CeRCH compliant.

The OCC platform allows for the reports to generate compliant financial data points, comprehensively covering all identifiable financial compliance breaches, allowing you to fully evidence any complaint and claims.


For more complex Financial Investments involving higher-value thresholds, where the software forensically generates identifiable reports and results in excess of £150k of remediation parameters, a panel of selected legal firm specialists is made available to OCC clients, within their account.

Such specialist firms offer full legal services, plus Litigation Funding options as well as associated  (After The Event  - ATE ) insurance facilities.

Company Registration No SC623773.

Vat No - 459 5682 38.

Registered trademarks No UK00003464662

ICO Registered for Data Protection purposes No ZB650879.

Certified - SSL (RSA1024) Secure Data Transfer Portal Compliant.

T & C, support, pricing and service options are subject to change without notice.

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Contact Us


  • 3FI - Third Floor
  • 3 Hill Street
  • Edinburgh EH2 3JP.
  • Tel - 0131 618 7879.