Chargeback Dispute Evidentiary Pack

Banks reject weak disputes — and reward well-documented ones

When a purchase goes wrong — goods never arrive, arrive faulty, aren't as described, or a charge you never authorised appears — you have the right to a chargeback. But disputes are decided on paperwork. A vague phone call and a half-remembered timeline get declined; a dated evidence trail with the right legal reference gets your money back.

Most people call their bank, say "I want to dispute a charge," and hope. This pack gives you the exact letter, the exact evidence to attach, and the exact words to use on the phone so the dispute is opened correctly the first time.

Step by step

1. Open the formal chargeback letter and fill in the fields in [square brackets] — your details, the merchant, the amount, the transaction ID and the reason.
2. Work through the evidence checklist and gather each item that applies: screenshots, order confirmation, statement line, contact attempts and proof of non-delivery.
3. Call your bank using the phone script, noting the agent's name, the case reference and the date in the spaces provided.
4. Send the letter with your evidence attached, and ask for written confirmation that the dispute is open.
5. If it isn't resolved, escalate using the same paper trail to the regulator or your card scheme.

• A formal chargeback request letter with placeholders
• Legal citations: Section 75 Consumer Credit Act 1974 (UK)
• Fair Credit Billing Act references for US cardholders
• An 8-point evidence checklist to build your case
• A phone script with spaces for agent name and case number
• Delivered as Word (.docx) and PDF