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Card Charge Dispute : Merchant First, Then Chargeback
Gets a wrong, double or unwanted card charge refunded: the merchant asked first, your card issuer disputed in time, every date tracked.
Gets a wrong, double or unwanted card charge refunded: the merchant asked first, your card issuer disputed in time, every date tracked.
- For money and budgeting
- Claude, ChatGPT, Gemini and more
- Worldwide: works in any country
- Trilly approved this version
This skill gives general information, not financial advice. Check anything important with a licensed adviser.
See the difference. Same question, two answers.
Trilly ran this request on an AI, with and without the skill, and picked this pair. It's an example, not a measured test.
The whole example
You ask
I cancelled my FitPoint gym membership by email on 3 September and they still took £79.00 off my debit card on 1 October. They're ignoring my emails. My mate says just use section 75, you always win. I'm skint and already behind on my phone bill because of this. Will I definitely get it back? Today is 15 Oct 2026.
Without the skill
Kerry, I can't promise you'll get it back, but your chances are good. Your friend is mistaken on one point: Section 75 only covers credit card payments (£100–£30,000 items), so it doesn't apply to your debit card. The debit card equivalent is a chargeback, a card scheme process rather than a legal right. Banks aren't obliged to offer it, but Visa and Mastercard rules usually allow it for a payment taken after cancellation. Success isn't guaranteed, but evidence of your cancellation email on 3 September helps a lot.
What to do
- Send the gym the message below today. Deadline: 22 October 2026. Set a reminder for 19 October 2026.
- Gather evidence: your cancellation email (with date/time), the bank statement showing the 1 October payment, and any unanswered chasers.
- If they don't pay by 22 October, send the bank message and ask for a chargeback. Chargeback time limits are usually 120 days, so you're well within them.
- If the bank refuses, you can complain to the Financial Ombudsman Service. For the gym, you could also use the Small Claims route.
- Since you're struggling with your phone bill, contact your provider and tell them about the dispute and ask for a short payment plan or hold.
Message 1: to FitPoint
Subject: Unauthorised payment of £79.00 – refund required by 22 October 2026
Dear FitPoint,
I cancelled my membership by email on 3 September 2026. Despite this, you took £79.00 from my debit card on 1 October 2026.
Please refund £79.00 in full and confirm my cancellation in writing by 22 October 2026. I have attached my cancellation email and bank statement.
If I do not receive a refund by that date, I will ask my bank to raise a chargeback and consider further action. I would prefer to resolve this directly.
I look forward to your prompt reply.
Kind regards, Kerry Lowe
Message 2: to your bank (send on 23 October 2026 if unpaid)
Subject: Chargeback request – £79.00 payment to FitPoint
Dear [Bank name],
(answer cut for length)
With the skill
CARD CHARGE DISPUTE
Where you stand: FitPoint took £79.00 on 1 October 2026, after you cancelled by email on 3 September. Section 75 doesn't apply: it was a debit card, and £79.00 isn't over £100. Your route is a chargeback through your bank, usually within 120 days: 1 October plus 120 days is 29 January 2027. I can't promise you'll get it back, because chargeback is voluntary, but your dated cancellation email makes a strong case. Today: send the message below.
| Date | What happens | Who | Status |
|---|---|---|---|
| 15 October 2026 | Email FitPoint | You | Today |
| 19 October 2026 | Reminder | You | Optional |
| 22 October 2026 | Refund deadline | FitPoint | Waiting |
| 23 October 2026 | Ask your bank for a chargeback | You | Ready |
| About 18 December 2026 | Bank outcome due (eight weeks after the claim) | Bank | Not reached |
| 29 January 2027 | Last day, roughly | You | Not reached |
Message to FitPoint Subject: Charge of £79.00 after cancellation
Hello, I cancelled my membership by email on 3 September 2026. On 1 October 2026 my card ending [last four digits] was charged £79.00. Please refund £79.00 by 22 October 2026 and confirm by email. If it isn't refunded, I will dispute it with my card issuer.
Kerry Lowe
Chargeback request to your bank (send on 23 October, or sooner if you prefer, by secure message or in branch) I am requesting a chargeback for £79.00 taken by FitPoint on 1 October 2026 from my debit card ending [last four digits]. I cancelled by email on 3 September 2026. I emailed FitPoint again on [dates] and on 15 October 2026 and had no refund. Copies of the cancellation email and statement are attached.
Kerry Lowe
Keep these: the cancellation email with its date, your later emails, and the statement line.
If money is tight, MoneyHelper is free, and National Debtline (0808 808 4000) can help with the phone bill. If the bank's answer is unfair or late, you have six months to go to the Financial Ombudsman Service.
The 120-day, eight-week and six-month limits are from MoneyHelper, checked 15 October 2026; check them with your bank before relying on them.
Add the cancellation date and these dispute dates to your admin file?
With the skill
Without the skill
How it's going, from real use.
How the numbers workNot enough data yet
No reviews or use numbers yet. Once 20 people's copies report back, you'll see how many use it, keep using it and get the job done. The maker can't change them.
How Trilly tested it: Trilly tested version 1.0.0 on 15 October 2026. Version 1.0.2 hasn't been tested yet. What the badge means and how we test
Safety and what it can reach.
Reads and uses
Gmail or OutlookFind the booking or order confirmation, receipt, cancellation email and merchant replies for the disputed charge. It only reads.
Files you give itOnly the files you add to the chat.
EmailYour AI app's own tool, too.
Makes or changes
Google Calendar or Outlook CalendarAdd reminders for the merchant deadline, the issuer deadline and the issuer's reply dates. It asks you before it changes anything.
Files for youIt creates files for you to keep.
Your accountsIt asks you before each change.
Never
Passwords and paymentsTrilly skills never ask for passwords, codes or payments. If this one does, stop and report it.
Running codeIt can't run code.
Risk area: money.
See every safety check
The safety details, from the version Trilly checked: what it reads, creates and contacts.
- The internet
-
- By itself: it contacts no websites.
- Through apps you connect: see "Apps you've connected" below.
- Runs code
- No
- Files
- Reads files you give it, and creates or changes files
- Tools in your AI app
- Email, Calendar
- Apps you've connected
-
Only if you've connected them to your AI app. It works without them too.
- Email (for example Gmail or Outlook): Find the booking or order confirmation, receipt, cancellation email and merchant replies for the disputed charge. Reads: Emails you pick from a search by the merchant's name and the charge dates Doesn't create or change anything. Without it: You paste or forward the emails, or uploads screenshots, and copies the messages from the chat to send.
- Calendar (for example Google Calendar or Outlook Calendar): Add reminders for the merchant deadline, the issuer deadline and the issuer's reply dates. Creates: One reminder event per follow-up date in the tracker, only after a yes. Never invites anyone. Asks you before it creates or changes anything. Without it: The skill gives each follow-up as Title, Date, Time, Where and Notes lines to add by hand.
- Where your information goes
-
- The disputed charge, the statement page and the card's last four digits: Stays in the chat. The letters go to the merchant or card issuer only when you send them. Only the last four digits are used. Full card numbers, security codes, PINs, logins and one-time codes are never asked for or repeated.
- Emails about the booking, order or cancellation: Read in the chat only. Search by the merchant's name and dates, list results, and read only the emails you pick.
- Follow-up dates and dispute references: Your own calendar, as reminders, only after a yes. Each reminder holds the date, the action, the amount and a reference number, nothing more.
- Your accounts
- Takes actions in your accounts. It must ask you before each change.
- Risk area
- Money
What it does, in full
Written in English. Answers in your language
Charged twice, charged the wrong amount, or billed after you ended a subscription? Share your statement, receipts and emails. It works out which route applies to your card and the time limit where you are, and shows the date, the sum and when that figure was checked.
You get a message to the merchant with a clear refund deadline, and a dispute letter to your card issuer ready to send if the refund doesn't come. It knows when not to wait: if the merchant keeps saying processing and your time is short, the dispute goes now. It also tells you when a phone call to your bank isn't enough on its own. A dated tracker covers who does what next, any temporary credit, and where to go if the issuer says no.
It never contacts anyone, logs in to your bank or moves money. You send everything yourself. It never asks for your card number, PIN or codes. It is general information, not financial or legal advice, and it tells you to check each time limit with the official body named.
If your email is connected, it can find the booking, receipt or cancellation email you pick. If your calendar is connected, it can add reminders for each date. It asks first.
You choose: it reads your connected apps and, where your AI app's connection can make changes, changes things only in Google Calendar and Outlook Calendar, after your yes each time, or you paste things in and get copy-ready text, or step-by-step help.
What you get
Ask. Works in the AI apps it's made for. Paste or upload what you have, and it does the job right there in the chat.
Works with your apps. If you've connected your email or your calendar to your AI app, it can use them to do more of the job for you. You choose: it works without them too, from what you paste or upload.
Remembers you. It keeps your admin file in one place you own: your AI app or your own cloud drive, never on Trilly. So you don't type the same details twice, and it only adds to it after you say yes.
Works over days. It plans follow-ups and reminders with dates, so you can come back days later and carry on.
How each part works
Works with your apps.
- Email (for example Gmail or Outlook): find the booking or order confirmation, receipt, cancellation email and merchant replies for the disputed charge. It only reads.
- Calendar (for example Google Calendar or Outlook Calendar): add reminders for the merchant deadline, the issuer deadline and the issuer's reply dates. It asks you before it creates or changes anything.
The apps it can use
- Email Gmail Only reads Also works with Outlook
- Calendar Google Calendar Asks before it adds or changes anything Also works with Outlook Calendar
Choose your apps Your version: Gmail · Google Calendar · in Claude
Try asking
Once it's added, ask your AI something like this. Not sure it loaded? Is my skill working?
-
I was charged twice for a hotel and they keep saying it's processing. How do I dispute it and how long do I have?
To check it's working, the answer should start with "CARD CHARGE DISPUTE".
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how to dispute a credit card charge
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chargeback time limit
Get Card Charge Dispute
A$39
Buy for A$39New in version 1.0.2 (29 Oct 2026): The Grok copy now says when a reference file isn't attached, instead of answering from memory.
Added through your linked AI? You already have it. Downloaded a copy? Download the new version.
Price details
- Price in Australian dollars (A$). Trilly isn't registered for GST, so no GST is added.
- About in your currency, from the 's rate on , rounded. An estimate only. Prices are charged in A$, and your bank sets the final amount. Change
- How buying works
- Sold worldwide.
- A$39 once for you; A$39 per seat a year for teams. A person buys a one-off skill once. A company seat can move from one person to another, so it's paid yearly.
- Updates arrive by themselves.
- Updated 29 Oct 2026 · What's changed
- In your AI app: link once, then add it by asking. How