Impecuniosity Assessment Tool

Proving impecuniosity is often the difference between recovering at credit hire rates or being reduced to BHR. This tool applies the established Lagden v O'Connor [2003] UKHL 64 criteria to real bank statement data - securely and automatically.

PII is redacted before processing. Results are colour-coded and formatted for professional use.

New to credit hire? Read our pillar guide, What Is Credit Hire? The Complete UK Guide.

How it works

1. 1

   Upload the claimant's bank statement

   Drop a PDF or image of the bank statement into the tool. Supported formats include PDF, JPG, PNG, HEIC, TIFF, and WebP - with automatic OCR for scanned documents.

2. 2

   PII is automatically redacted

   Before the analysis AI sees anything, sensitive data such as card numbers, sort codes and account numbers is masked by the PII protection layer. Scanned statements are the one exception: the page is read by our AI to turn it into text first, and masking then applies to that text. Transaction figures are preserved for analysis.

3. 3

   AI applies the 12-step Lagden v O'Connor test

   The engine evaluates the statement against the established impecuniosity criteria: available balance, credit facilities, spending patterns, income consistency, vehicle-running costs (fuel, EV charging, insurance, finance, car wash), disclosure coverage gaps, and overall financial position.

4. 4

   Receive a colour-coded assessment

   Results are graded as Strong (green), Moderate (amber), or Weak (red) with a detailed narrative explaining each finding - ready for inclusion in your file or court submissions.