Member Guide

How to ask credit-hire.ai a good question

The model is trained on credit hire law and your evidence database. The better you frame the question, the more focused the answer. Five minutes to read; saves an hour of back-and-forth.

Most users type into credit-hire.ai the way they would type into Google — a couple of keywords, no context, no question. The model can usually still produce something, but the answer is unfocused, generic, and often not the argument you actually need. The four habits below transform the quality of the response without requiring any extra time.

1. Don’t search like Google. Ask like a colleague.

A bare keyword tells the model nothing about what you actually need. Type a sentence: who, what, the issue in dispute, and the question you want answered. Treat the prompt as if you were briefing a junior colleague who hasn’t seen the file before.

Don’t do this
betterment
Do this
The defendant is arguing that my client got a 1.4‑litre Golf when he previously drove a 1.0‑litre Polo, so the hire is betterment. What is the leading authority on betterment in credit hire and how do I rebut?
Don’t do this
impecuniosity and credit cards
Do this
The defendant says my client’s £800 of available credit on his credit card defeats impecuniosity. The card is £200 short of its limit and the bank statements show he was at the limit each month. What test should the court apply and what authorities should I cite?
Don’t do this
total loss 14 days offhire
Do this
Total loss notification was served on the claimant on 5 March. The defendant’s PAV payment was not received until 9 April. The defendant is now offering only 14 days post‑notification of hire. How do I argue for the period through to receipt of the PAV?

2. Paste the actual challenge.

If you have had a letter, defence, Part 36 offer, expert report, skeleton or counsel’s note that triggered your question, copy and paste the relevant paragraph or two into the prompt. Then ask your question underneath.

This single habit is the most powerful one on the page. It anchors the question in the defendant’s own terminology — which is exactly what the retrieval system needs to find the right authorities — and it forces you to be specific about what is in dispute.

Don’t do this
any argument for BHR from Enterprise?
Do this
The defendant’s BHR expert has produced this: “The claimant could have hired a Group D vehicle from Enterprise at a daily rate of £52.40, giving a BHR of £6,130.80 over the 117‑day period.” Enterprise’s rental terms cap the hire period at 88 days. What argument can I run that Enterprise is not a valid comparator for a 117‑day hire?

3. Tell us what you need.

The same fact pattern produces different answers depending on what you ask for. Be explicit. A short phrase at the end of the prompt is enough.

Useful framings

“What authorities should I cite?” — produces a focused list of cases with citations and key paragraphs.
“Draft me a paragraph for the reply.” — produces drafting in the right register.
“Is the defendant right?” — produces a critique of the defendant’s argument.
“What evidence do I need?” — produces a checklist of disclosure or witness evidence.
“Summarise the law.” — produces a concise statement of principles.

4. Be specific about facts.

You don’t need to keep saying “I act for the CHO” — the system already knows you’re acting on the claimant side and treats every question as a request for help defeating a defendant’s point unless you say otherwise. But the more concrete facts you give, the sharper the answer.

Facts that nearly always sharpen the answer

Hire period (start and end dates), daily rate, vehicle group, ACRISS or GTA code, claimant’s occupation, accident date, repair completion date or date of total loss notification, location, and the head of loss in dispute (need / period / rate / type / impecuniosity).

If in doubt, follow the template. Paste the defendant’s words, add your facts, ask your question.
The defendant is arguing [paste the relevant paragraph from the letter, defence, expert report, Part 36 offer, etc.].

The relevant facts are [hire period, vehicle, claimant’s occupation, dates of repair / PAV, location, head of loss in dispute].

[What authorities should I cite? / Draft a paragraph for my reply / Is the defendant right? / What evidence do I need?]

5. One more thing.

The system answers every question through the claimant’s lens by default. If you genuinely want a defendant’s perspective on a point — for example to anticipate how an opposing argument will be framed — say so explicitly in the prompt. Otherwise the model will assume you want the claimant’s rebuttal.