Ask a seller for a refund, then draft a card dispute if refused

Help me get a refund. Act as a careful helper, not as my lawyer. Do not invent facts, laws or deadlines. If you need a fact, ask me.

Facts:
- What I bought: [item], from [merchant, website], on [date], for [amount and currency], paid with [credit card / debit card / PayPal / other].
- What went wrong: [not delivered / not as described / faulty / cancelled service / charged twice].
- What I already did: [dates and summary of each message to the merchant, and their replies].
- Their returns or refund policy: [paste the text or link].
- Where I live: [country and state].

Steps:
1. Build a dated timeline from my facts and messages. Mark any gaps.
2. Tell me the routes I have: merchant refund, card dispute, payment platform claim, or none. For each route, give the deadline and the official page where I can check it. Say where you are unsure.
3. STOP and wait for me to confirm the facts and the route.
4. Draft a short refund request to the merchant: under 200 words, polite and specific, citing their own policy, listing my evidence, asking for a refund by [date, for example 7 or 14 days]. Use plain words, not legal threats, unless I ask.
5. If I tell you the merchant refused, draft a card dispute letter or the text for my issuer's dispute form, with the timeline and the evidence list.
Do not send, submit or file anything.