Problem Pack for money and bills
Wrong Bill or Surprise Charge
Get a wrong bill or surprise charge fixed. It checks the bill line by line, writes the dispute and keeps your service on while it is sorted.
Works for: UK, EU, US, Canada and Australia
See it in action
An example. The situation is made up to show how the pack works.
The situation
Your phone bill in Texas has gone from $65 to $74.99 for three months running. The extra is a $9.99 premium content charge from a third party you never signed up for, and you pay by autopay.
It asks you, for example
- Which country and state you are in
- The provider and the service
- What the bill says and what you expected
- When it is due, and what was taken
Subject: Billing dispute: account 3318-5520, bill dated October 12, 2026
Hello,
My last three bills each include a $9.99 premium content charge from a third party. I did not order this service.
Billed: $74.99 a month. My plan: $65.00 a month. Difference: $9.99 for each of August, September and October, $29.97 in total.
I will pay the undisputed $65.00 by the due date. Please collect only that amount by autopay, hold the disputed $9.99, and take no collection action on it while you investigate.
Please remove these charges, refund $29.97 and block third-party charges on my account. Please confirm by November 13, 2026, and send me a complaint reference.
Thank you,
[YOUR NAME]
If they stall past the date, it writes the chase, then the complaint to the FCC and your state.
A skill for Claude, ChatGPT, Gemini, Grok or Copilot, or a text file for any AI chat, that turns your AI into a billing dispute specialist for your bill.
It goes through your bill line by line to find the error, works out what to pay now and what to hold back, and writes every message up to the ombudsman. Paste in their reply and it writes your answer.
What you are buying
- A line-by-line check of your bill
- The sum of what to pay now and what to dispute
- Messages that ask to pause collection while it is fixed
- Answers to the 12 most common billing replies
- Legal or financial advice. For court papers or debts you cannot pay, get free debt advice.
- A way to avoid paying what you really owe
- A price comparison or switching service
- An app, a login or a subscription. You pay once.
The message most people send, and the one this pack writes
Subject: Wrong bill Hello, My electricity bill is far too high this time and I think it is wrong. I cannot afford this. Can you please check it and send me a new one? I am not happy about this at all. Thanks
No account number, no reading, no sum, nothing about what is being paid. It goes in a queue.
Subject: Billing dispute: account 40917733, bill dated 6 January Hello, My bill dated 6 January charges £612.40 using an estimated reading of 26,150. My meter read 24,310 on 15 January. A dated photo is attached. I dispute £442.40, the part of the bill above my actual reading. My £85 direct debit continues. Please hold the disputed amount, take no collection action and do not report it to credit agencies. Please rebill from the actual reading and confirm the corrected bill by 29 January. Please treat this as a formal complaint and send me the reference. Alex Morgan
The reading, the sum, what is being paid and one ask with a date. An invented example from the pack.
What it does
Words you can type at any time. You do not need them to start.
| Start it | Asks 5 short questions, starting with your country |
| check my bill: <paste> | Reads your bill line by line and flags what looks wrong |
| Answer the questions | Tells you how strong your case is and what to pay now |
| next message | Writes the next message, up to the ombudsman |
| they replied: <paste> | Says what their reply means and writes your answer |
| phone script | Gives you what to say if they threaten a cut-off, and the email after |
| case file | Shows one summary of amounts, proof, references and dates |
How you use it
- Open a new chat in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work.
- Attach the text file to a new chat in any AI and type "Follow this file". Or upload it once as a skill to Claude, ChatGPT, Gemini, Grok or Copilot.
- Answer its questions in your own words. 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. Inside: the pack as a ready-to-upload skill with its SKILL.md, the same pack as one text file for any AI, and a start-here PDF with both set-ups.
Good to know
- Pay the part you agree with on time. It works out that amount for you.
- Do not just cancel a direct debit or autopay. It tells you how to change it safely.
- Most ombudsman schemes want you to complain to the provider first, and some make you wait 8 weeks.
- If the bill is right, it tells you so and helps you ask for a payment plan.
- It writes, you send. Nothing goes out for you.
- Part of the Money Back Kit: 7 packs for $39.
- Or get Every Problem Pack: all of them for $99.
- 14 days to get your money back if it does not do what this page says.
What is in the download
4 files in one zip, ready straight after you pay.
| START-HERE.pdf | The two ways to set it up, step by step, and the commands you can type. |
|---|---|
| 1 - Skill | A ready-to-upload skill (.zip) and its SKILL.md. Upload it once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot and it switches on whenever this problem comes up. |
| 2 - Text file for any AI | The same pack as one text file, about 3,500 words. Attach it to a chat or add it to a project in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work. |
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.
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Lower Your Credit Card Interest$12Pay less credit card interest. It scripts the call for a lower APR, checks if a balance transfer saves money and builds a payoff plan.
Fix a Credit Report Error$12Get errors on your credit report fixed. It checks each entry, writes the disputes to every agency and the lender, and answers their replies.
Get Bank Fees Refunded$12Get your bank fees refunded. It adds up the fees, writes the call and the complaint, and takes it to the ombudsman or regulator if the bank says no.
Appeal Your Property Tax$12Lower your property tax or council tax band. It finds your deadline first, then checks the record and similar homes and writes the appeal.