Paybacker reads your bank and your inbox to find the charges that should not be there. It writes the letter citing the exact UK statute or regulator rule, links the official source, and keeps the case moving to the ombudsman deadline.You keep 100% of anything that comes back. We never take a cut.
Checking is free and needs no signup. You will see how strong your case is, the exact UK law that applies, and a full draft letter you can copy.
Plenty of apps will show you that a bill went up. Almost none will name the rule that governs it, put that in a letter, and still be watching eight weeks later. No gamified streaks, no vague “up to” claims, and no promises about outcomes: the figures below are sector benchmarks and product facts, nothing more.
Most complaints fail for the same three reasons: nobody spotted the charge, the letter was a strongly worded email with no provision behind it, and nobody was watching the clock when the company went quiet. Paybacker is built around those three failures rather than around a list of features.
Your Pocket Agent chases replies and deadlines for you, on WhatsApp and Telegram.
It tells you when a dispute is ready to send, when the company replies, and when the 8-week ombudsman clock hits. Tap to approve. That is the whole job: no chasing, no hold music, and nothing sent without you saying so.
Pocket Agent lives in WhatsApp and Telegram, the apps already on your phone. Nothing to install, nothing to learn. Alerts arrive where you already look.
Want a native app as well? Vote for it below and if enough people ask, we will build it.
Letters citing the exact law in 30 seconds. Cases tracked to the ombudsman deadline.
Type one sentence. Paybacker writes the formal letter, names the exact regulation that applies to your facts, and links the official source so the company can check it as easily as you can.
Every citation verified today against legislation.gov.uk, GOV.UK and Find Case Law. See how →
Dear Virgin Media,
I am writing to dispute the £12 increase applied to my monthly bill without adequate notice. Under the legislation cited below, I request a full refund of the charges billed in error…
A daily cron checks every UK statute and regulator citation in our library against the canonical source, recovers dead URLs, and flags anything stale — before a letter ever leaves your inbox.
Every account, every bill, every trend, in one view.
Connect your bank via Open Banking (Yapily, FCA-authorised). Read-only, bank-grade, never stored longer than needed.
Price rises flagged. One tap to start a cancellation.
Auto-detects every subscription, direct debit and recurring charge. Flags price rises, duplicates, and forgotten trials. When you're ready to walk away, we draft the letter, address it to the right team, and track their reply in Disputes for you.
Live-sync to Google Sheets, or one-shot CSV, Excel and PDF.
Your money is your data. Export it anywhere, including live spreadsheets that update as your bank moves.
Two flats. 35 days and 17 days without broadband. The provider offered roughly 1.5 months’ service charges as “goodwill”. Paybacker cited the Ofcom Voluntary Automatic Compensation Scheme — £10.07 per calendar day from day three of an outage — plus £31.19 per missed engineer appointment. The gap is £398.50.
Pro is £94.99/year. The gap on this one case alone (£398.50) is more than 4× the cost of a year’s Pro membership — recovered from one outage, one letter, one click.
You don’t have to connect anything to see it work. Try the Disputes Centre for free — no account needed.
Pick the category, type a sentence. We cite the law, you send the letter.
Open Banking via Yapily. Read-only. Never stored longer than needed.
Watchdog reads the provider’s reply, drafts the escalation at the 8-week point if you have been ignored, and keeps a record of every step. You keep 100% of anything that comes back.
A general-purpose AI will produce a complaint that reads well. Three things separate that from a dispute that goes anywhere. It has to know what you were actually charged, which means reading your bank and your inbox rather than asking you to remember. It has to cite law that exists, which is why every citation here comes from a maintained library restricted to official sources and is checked daily rather than generated on the spot. And someone has to still be watching in eight weeks, when the company has said nothing and the ombudsman route opens.
| Feature | Emma | Snoop | Lunchflow | Resolver | Which? | Paybacker |
|---|---|---|---|---|---|---|
| Bank sync (Open Banking) | ✓ | ✓ | ✓ | — | — | ✓ |
| Subscription flagging (hike/dup/unused) | Basic | Basic | — | — | — | Full |
| Dispute letters citing UK law | — | — | — | Templates | Guide | AI + law |
| UK consumer law library cited | — | — | — | Partial | Partial | 5+ statutes |
| WhatsApp + Telegram Pocket Agent | — | — | — | — | — | ✓ |
| Live Google Sheets export | CSV only | — | ✓ | — | — | ✓ daily |
| Switch-deals that beat your bill | Generic ads | Generic | — | — | Guide only | Personalised |
| User in control (no auto-sent emails) | ✓ | ✓ | ✓ | Semi | ✓ | ✓ |
Based on publicly listed features as of April 2026. Spot something we’ve missed? Email hello@paybacker.co.uk.
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Services that work on a percentage commonly take 25% to 35% of what comes back. On a £216 recovery that is £54 to £76 gone. Paybacker charges the same amount whether you recover nothing or thousands, which is the only arrangement where our advice and your interests point the same way.
Start on the free plan. Upgrade only if it pays for itself.
Everyone in the house covered by one subscription. Up to four people, each with their own login and their own private view of their own money, on a single bill.
See what Household includes →Mid-dispute and need to escalate? An Ombudsman escalation pack is £14.99 as a one-off, on any plan including Free. It bundles your dispute correspondence as numbered exhibits and tracks the referral deadline, alongside the escalation letter Paybacker drafts for you on every plan.
The Paybacker MCP server gives Claude direct read-only access to your transactions, hikes, and savings opportunities. Available on Pro.
We find the charge, write the letter that cites the actual law, and chase the reply. Whatever comes back is yours: we never take a percentage of it.
No card. Cancel anytime. Your data stays in the UK.