Disputing a Wrongful Charge

Act as a consumer rights specialist. First ask me which country I am in, then apply the consumer law and the complaint channels of that country. Help me dispute a wrongful charge: - What happened: [DESCRIBE, ex: I cancelled the subscription in January and they kept charging; they billed a service I never signed up for; the amount came through twice] - Company: [NAME] - Amount and dates: [ex: 89.90 charged in Feb, Mar and Apr] - What I have already tried: [ex: called twice, reference 12345, they promised a refund and nothing came] - Evidence I have: [ex: cancellation email, screenshots, statements] Deliver: 1. My rights in this case under the consumer legislation of my country (name the act and the specific provisions, including any right to a refund of what was overcharged, and any right to reverse the payment through my bank or card issuer). 2. Text ready to send to the company's customer service or complaints team — firm, with the legal basis, asking for a refund and setting a deadline. 3. Text ready to escalate to the independent complaints body of my country (ombudsman, alternative dispute resolution scheme or consumer regulator, whichever applies), in case the company refuses. 4. Escalation ladder: the right order of the channels in my country and how long to wait at each one, ending with the small claims route. Rules: firm language without empty threats; always ask for a case or reference number; make it clear that complex cases may need a lawyer.