Canada Scam & Refund Recovery Pack
Three letters, in the right order, to claw back money after an online purchase goes wrong in Canada.
One-time price:$49Paid once at the end. No subscription.
What's in this pack
- Step 1 — Send FirstDemand a full refund directly from the merchant under your provincial Consumer Protection Act. This is the first step and creates the record your card issuer will want to see.
- Step 2 — Send to Your Card IssuerDispute the charge with your credit-card issuer using your province's statutory chargeback right plus the card network's chargeback rules. Send once the merchant refuses or ignores Step 1.
- Step 3 — Send if Your Card/Identity Was CompromisedIf your card details or identity may have been stolen, send this to Equifax Canada and TransUnion Canada to place a fraud alert and correct any fraudulent information. Also report to the Canadian Anti-Fraud Centre.
- Three letters bundled — $49 instead of $57 buying them individually
- Right sequence: demand the merchant, then your card issuer, then lock down your identity
- Uses your province's statutory chargeback right (Ontario CPA s.99, BC BPCPA, Quebec CPA, etc.)
- Identity-theft letter to Equifax Canada + TransUnion Canada with CAFC reporting
- Phone script for the bank and a deadline calendar
The Purchase & Charge
A few facts about the online purchase and the card charge so every letter in the pack is consistent.
Determines which provincial Consumer Protection Act (statutory chargeback) applies.
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Used in the merchant refund demand and the card chargeback dispute.
On the back of your card / your statement / your cardholder agreement — the address for billing disputes, NOT the payment address.
Either way the pack includes the identity-theft letter so you have it if fraud spreads.