Cancelled, but they're still charging you? Put it in writing they can't brush off.

"No cancellation on file." "It already processed." "We can't refund that." If you've heard any of these, answer a few plain-English questions and get a firm refund letter, a short email version, an evidence checklist and a timeline you can attach to a bank dispute, ready in about 10 minutes.

  • Stop the runaround. One clear, dated request with your cancellation proof attached, instead of another chat that goes nowhere.
  • Chargeback-ready if they say no. The same facts, laid out so your card issuer can follow your case quickly.
  • You stay in control. Every fact comes from you, you review it, and you send it yourself. No one "recovers" money on your behalf.

See my free letter preview   Get my refund package — $19, pay at launch

One flat price. No subscription. You review everything and send it yourself.

Your Complete Dispute Package
  • Formal demand letter
  • Short, firm email version
  • Evidence checklist for your case type
  • Clean timeline of what happened
  • Day-10 follow-up message
  • Escalation message (card issuer, regulator, review sites)
  • Step-by-step sending instructions

Built for the disputes people actually have

Subscriptions & gyms

Charged after you cancelled? Auto-renewed without notice?

Flights, hotels & rentals

Cancelled trip, missing refund, surprise fees or damage claims.

Online orders & deposits

Item never arrived, wrong item, or a deposit that's being held.

How it works

1. Tell us what happened

Guided questions, no legal jargon. Save and come back anytime.

2. Review your package

Every fact comes from you. Edit the tone and details before you send.

3. Send and follow up

Clear instructions on where to send it, and what to do if they ignore you.

One price. Everything included.

$19

Per dispute. No subscription, no upsells. The free preview shows your letter before you pay.

Early access: we're opening the full package to a small first group. Reserve now and get it first, plus a free redraft if anything needs fixing.

Reserve now, pay at launch. No card is charged today, and we never ask for card details on this page.

No card is charged today. Next step: a short form where you leave your email.

Questions

They say there's "no cancellation on file." Can this still help?
Yes, if you have anything showing you cancelled: a confirmation email, a screenshot, a chat transcript or a confirmation number. The evidence checklist helps you find and organize it, and the letter puts it front and center.

Should I just dispute it with my bank?
Often both. Many card issuers expect you to have contacted the merchant first, so a dated written request plus your proof makes a dispute easier to follow. Dispute windows are limited (often around 60 days from the statement), so don't wait.

Is this one of those "we'll get your money back" services?
No. Be wary of anyone who promises to recover your money for an upfront fee. Settlewell is a self-help writing tool: you get documents, and you send them yourself.

Is this legal advice?
No. Settlewell is a writing and organizing tool, not a law firm. For serious matters, talk to a lawyer.

Do you guarantee a refund?
No one honestly can. We help you make a clear, well-documented request.

What happens to my information?
Your case details are used only to build your package. You can delete them anytime.