How to challenge an AI decision about you in the UK

When to use this

  • You were denied a service or flagged at work, and the decision felt automated.
  • A payment, claim, loan, or moderation outcome arrived with no human you can reach.
  • You suspect monitoring or scoring is running in the background.

The 90-second version

  1. Ask if automation was used: “Was an automated system involved in this decision, yes or no?”
  2. Ask for a human review: “I want a documented human review of my case.”
  3. Ask for an explanation: “Explain the main factors and data used. Include any accuracy score or confidence level if available.”
  4. Correct the record: “Here is new or corrected information that changes the outcome.”
  5. Get it in writing: Request a dated response from a named person, along with a contact route for appeal.

Email template for first request

Subject: Request for human review and explanation of automated decision

Hello [Team or Contact],

I received [decision or outcome] on [date]. Please confirm whether any automated system was used. If yes, I am requesting:

  • A documented human review of my case.
  • A plain-English explanation of the main factors and data used.
  • Any available accuracy or confidence information.
  • A route to appeal and the time limits.

Here is the context that may change the outcome. [short bullet points only]

Please reply in writing within [10 working days] with a named contact.

Regards,
[Name]
[Email]
[Reference number or account if relevant]

Email template for escalation

Subject: Escalation – No response yet to automated decision review

Hello [Manager or Complaints Team],

I requested a human review on [date] and have not received a sufficient response. Please escalate this as a formal complaint. I am again requesting:

  • A human review by a qualified person.
  • A plain-English explanation of the factors and data used.
  • A clear route to appeal with dates.

If external escalation is needed, confirm the correct ombudsman or regulator.

Regards,
[Name]

Short call script

“Before we continue, please confirm whether automation was used. I am requesting a human review and a written explanation of the main factors. I will send this as an email now so we have a record.”

What to attach

  • Screenshots or PDFs of the decision.
  • Dates and times of any calls or messages.
  • Only the facts that directly change the outcome.

Red flags that justify escalation

  • No one will confirm whether automation was used.
  • You receive only a generic stock reply.
  • The explanation does not match the decision.
  • “Computer says no” with no appeal route or timeline.

Manager’s view – If you run teams

  • Publish a human review route with a named role and a response SLA.
  • Keep an appeals log:- decisions, dates, outcome, fixes.
  • Never use “urgent” to override fairness or due process.

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