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Money Back Kit cover

Problem Pack kit

Money Back Kit

Seven Problem Packs: refunds, missing parcels, card disputes, wrong bills, flight delays, hospital bills, insurance.

Works for: UK, EU, US, Canada and Australia, except the US-only hospital bill pack

See it in action

An example. The situation is made up to show how the pack works.

The situation

Using the Wrong Bill or Surprise Charge pack: your broadband contract says £29 a month for 24 months, but your September and October bills charge £44, with the discount gone and no notice.

It asks you, for example

  1. Which country you are in
  2. Who the provider is, and what service
  3. What the bill says, and what you expected
  4. When it is due, and what's been taken
The dispute it writes

Subject: Billing dispute: account 30418872, bill dated 14 October 2026

Hello,

My contract summary of 3 March 2026 shows broadband at £29 a month for 24 months. My bills dated 14 September and 14 October charge £44 a month. I have had no notice of a price change.

Billed: £44 x 2 = £88. Agreed: £29 x 2 = £58. Difference: £30.

I dispute £30, the £15 overcharge on each bill. Please collect only the agreed £29 by direct debit for October. Please hold the disputed £15 on this bill, take no collection action on it and do not report it to credit agencies.

Please correct both bills to £29 and refund the £15 overpaid in September by 13 November 2026.

Please treat this as a formal complaint and send me the reference.

Kind regards,
[Your name]

If nothing changes in 14 days, it writes the chase, then the request for a final response and the dispute scheme complaint.

Seven Problem Packs for when you are owed money, overcharged or refused a payout.

A seller who won't refund, a parcel that never came, a wrong bill, a delayed flight, a hospital bill, a denied insurance claim, and the card dispute for when they still say no. Each one turns your AI into a specialist for that problem.

The packs inside

  • Seller Won't Refund: Faulty, not as described, never arrived or return refused. Your case, your rights, your messages.
  • Marked Delivered, Never Arrived: Tracking says delivered but nothing came. Checks to run, who to ask, and the messages to send.
  • Card Dispute Kit: A card or PayPal dispute when a merchant won't pay. The right reason, the deadline, the words.
  • Wrong Bill or Surprise Charge: Energy, phone, broadband or subscription bill that is wrong. Find the error, dispute it, escalate.
  • Flight Delay Compensation: Works out if EU, UK or Canadian rules cover your flight, how much, and writes the claim to the airline.
  • Lower Your Hospital Bill: Finds billing errors, asks for financial help and a fair discount, and asks for a hold so the bill stays out of collections while you sort it.
  • Insurance Claim Denied: Reads the denial, finds the clause they used, and builds your appeal and the next step if they still say no.

What each pack is

It is
  • One pack per problem, each as a skill and as a text file for the AI you already use.
  • Written for that one problem: the questions, the checks, every message and the replies to pushback.
  • Ready for ChatGPT, Claude, Gemini, Grok and Copilot.
  • Yours to keep and use as often as you need.
It is not
  • An app, a login or a subscription. You pay once.
  • A service that sends messages for you. It writes, you send.
  • Legal, financial or medical advice. Each pack tells you when to get it.
  • A list of generic prompts.

How you use it

  1. Open the folder for the problem you have today.
  2. Attach its text file to a new chat in ChatGPT, Claude, Gemini, Grok or Copilot. Or upload it once as a skill to Claude, ChatGPT, Gemini, Grok or Copilot.
  3. Answer its questions. It works through the problem with you from there.

See the set-up steps for each AI before you buy.

What arrives

A zip file, straight after you pay, with one folder per pack (each with its skill and its text file) and a start-here PDF.

Good to know

  • $39 instead of $84 for the packs one by one.
  • It writes, you send. Nothing goes out for you.
  • 14 days to get your money back if it does not do what this page says.

What is in the download

29 files in one zip, ready straight after you pay.

START-HERE.pdfWhich pack to open for which problem, and the two ways to set each one up.
Seller Won't RefundIts own folder: the skill, the text file for any AI, and its set-up guide.
Marked Delivered, Never ArrivedIts own folder: the skill, the text file for any AI, and its set-up guide.
Card Dispute KitIts own folder: the skill, the text file for any AI, and its set-up guide.
Wrong Bill or Surprise ChargeIts own folder: the skill, the text file for any AI, and its set-up guide.
Flight Delay CompensationIts own folder: the skill, the text file for any AI, and its set-up guide.
Lower Your Hospital BillIts own folder: the skill, the text file for any AI, and its set-up guide.
Insurance Claim DeniedIts own folder: the skill, the text file for any AI, and its set-up guide.

Guides for this

Questions

Which AI does it work with?

Claude, ChatGPT, Gemini, Grok and Microsoft 365 Copilot take it as a skill: upload it once and it switches on by itself. On any AI and any plan, attach the text file to a new chat and type "Follow this file", or add it to a project.

How do I get it?

Pay once by card. The download button appears straight after payment and your receipt comes by email. No account, no subscription.

Can I keep it ready for next time?

Yes. Upload the skill once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot, or add the text file to a ChatGPT Project or custom GPT, a Claude Project, a Grok project or a Copilot agent. The start-here guide shows each.

Does it send anything for me?

No. It writes each message and you read it and send it yourself.

Is this legal advice?

No. It helps you put your case clearly and keep it moving. For large sums, a court date or anything you are unsure about, speak to a lawyer or a free advice service where you live.

What if it does not work for me?

You have 14 days to get your money back if it does not do what this page says. Tell us what you asked it and what it returned.

$39