What to say
Twelve scripts, each in three versions, for the calls and messages that actually move a bill. They are the same scripts the audit hands you on the row they belong to, with your own numbers filled in. These are the blank ones. Nothing to sign up for, nothing to upload, copy and use.
Phone gets you to the retention team, where the real offers are. Ask "permanent or 12 months" on every promo.
Chat is where most companies push you now. Send one line at a time; bots skip long messages. Screenshot the confirmation.
Email is for anything that must be in writing: cancellations with notice clauses, insurance renewals, fee disputes.
Hi, I see a [the fee on your statement] of [the amount] on my account. I would like that fee waived, and I want to move to an account with no monthly fee. Which of your accounts has no fee, and can you switch me today? If they say the fee needs a minimum balance or direct deposit: "I would rather have the no-fee account. Please switch me."
I was charged a [the fee on your statement] of [the amount]. Please waive it. Please move me to your no-monthly-fee checking account. Confirm the new account has no minimum balance requirement.
Subject: Fee waiver and account change request Hello, My account was charged a [the fee on your statement] of [the amount]. Please waive this fee and switch my account to your checking option with no monthly fee and no minimum balance. Please confirm in writing once the change is made. Thank you, [Your name] [Account, last 4 only]
Hi, I am calling about my account. I have been paying about [what interest costs you a month] a month in interest and I am looking at a 0 percent balance transfer offer from another issuer. Before I move the balance, can you lower my APR? What is the best rate you can put on this account today?
Hi. I pay about [what interest costs you a month] a month in interest on this card and have a 0 percent transfer offer elsewhere. Can you lower my APR today so I keep the balance here?
Subject: APR reduction request Hello, I have been a cardholder in good standing and currently pay about [what interest costs you a month] a month in interest. I have a 0 percent balance transfer offer from another issuer. Before I move the balance, please review my account for a lower APR and reply with the best rate available. Thank you.
Hi, I am calling about my [car or personal loan]. I am at [your rate] percent with about [what is left] left. I would rather keep the loan with you. Can you review the account for a lower rate, or tell me what refinancing it in house would look like? If they say no: "What would I need to qualify for your best rate?" Then get one outside quote and call back with it.
I have a [car or personal loan] with you at [your rate] percent, about [what is left] left. Can you lower the rate, or refinance it in house? If not, what would I need to qualify for your best rate?
Subject: Rate review request on an existing loan Hello, I hold a [car or personal loan] with you at [your rate] percent, with approximately [what is left] remaining. I would prefer to keep the loan where it is. Please review the account for a lower rate or an in house refinance, and reply with the best rate you can offer and what would be required to qualify for it. Thank you, [Your name] [Loan number, last 4 only]
Hi, I pay [what PMI costs you a month] a month in private mortgage insurance and I want to start the cancellation. Three things: 1. What address does a written cancellation request go to? 2. What balance do you hold on file, and against what original value? 3. Do you require an appraisal, and who pays for it? Under the Homeowners Protection Act the request threshold is 80 percent of the original value, and termination is automatic at 78 percent or at the halfway point of the term. This only counts in writing. The call is to get the address and the numbers they hold on file.
I pay [what PMI costs you a month] a month in PMI and want to cancel it. What address do written cancellation requests go to? What balance do you have on file, and against what original value? Do you require an appraisal, and at whose cost? I am sending the written request today.
Subject: Written request to cancel private mortgage insurance Hello, I am requesting cancellation of the private mortgage insurance on my loan. I currently pay [what PMI costs you a month] a month in PMI. Under the Homeowners Protection Act a servicer must cancel PMI on written request once the balance reaches 80 percent of the original value, and must terminate it automatically at 78 percent or at the midpoint of the loan term, whichever comes first. Please confirm in writing the balance and original value you hold on file, the date I reach each threshold, whether an appraisal or broker price opinion is required and at whose cost, and the date PMI stops being charged. My payments are current and there is no second lien on the property. Thank you, [Your name] [Loan number, last 4 only] [Property address]
Hi, my lease renews in a few months. I have been here a while and pay [your rent] a month, always on time. I want to stay. Comparable units nearby are listing for less, and a turnover costs you a vacant month plus cleaning and listing. Can you renew me at the current rent, or lower? If they say no: "What can you do? A longer lease, a smaller increase, or a month free?" Have two nearby listings ready to name.
My lease renews in a few months. I have paid [your rent] on time for a while. I would like to renew at the current rent. Comparable units nearby are listed lower. What is the best renewal you can offer?
Subject: Lease renewal, upcoming Hello, My lease renews in the coming months. I have been a tenant for some time, paying [your rent] a month on time, and I would like to stay. Comparable units in the area are currently listed below my rent, and a turnover would cost a vacant month plus make-ready. I am asking to renew at the current rent, or a modest adjustment, ideally on a longer term. Please let me know what you can offer. Thank you, [Your name] [Unit]
Hi, I want to look at appealing the assessment on my property. Three things: 1. What is the appeal deadline for this cycle? 2. Please send me the property record card for my parcel, so I can check the square footage, room count and features you have on file. 3. What form does the appeal go on, and does it go to your office or to the board? I am checking your own record for errors before I file anything. Most successful appeals start on that record card: a bathroom or a few hundred square feet that were never there.
I want to appeal my property assessment. What is the deadline for this cycle? How do I get the property record card for my parcel? Which form does the appeal go on, and to which office? I want to check your record for errors before filing.
Subject: Property record card and appeal deadline request Hello, I am the owner of the property below and I am reviewing my assessment. Please send me a copy of the property record card for the parcel, confirm the appeal deadline for the current cycle, and let me know which form the appeal must be filed on and where it should be sent. If they are available on request, I would also like the assessed values used for comparable properties on my street. Thank you, [Your name] [Property address] [Parcel or folio number]
Hi, my [car or home] policy renews soon. I have been with you a while and pay [what you pay now] a month. I am getting quotes from other carriers. Before I do, can you rerun my policy for every discount I qualify for, and tell me the best rate you can offer today? Ask: "Is there a loyalty, bundle, paid-in-full, or low-mileage discount I am not on?" Then get two outside quotes and call back with the lowest one.
My [car or home] policy is up for renewal. I pay [what you pay now] a month and have been a customer a while. Please rerun my policy with every discount I qualify for. What is the best rate you can offer today? I am comparing quotes this week.
Subject: Renewal review request, policy pricing Hello, My [car or home] policy is approaching renewal. I have been a customer for some time and currently pay [what you pay now] a month. Before I compare quotes from other carriers, please review my policy for every discount I qualify for (loyalty, bundle, paid in full, low mileage, safety features, claims-free) and send me your best renewal rate. Thank you, [Your name] [Policy number, last 4 only]
Hi, I pick up a prescription with you and I am trying to lower what I pay. Three questions: 1. Is there a generic of this? 2. What is the cash price without running my insurance? 3. Can it be filled 90 days at a time instead of 30? I am not asking to change the medication, only what I pay for the same one. If the cash price is lower than my copay, please run it that way.
I want to lower what I pay for a prescription I already fill with you. Is there a generic of it? What is the cash price if you do not run my insurance? Can it be filled 90 days at a time instead of 30? Same medication either way, I am only asking about price.
Subject: Cash price and 90 day fill on an existing prescription Hello, I fill a prescription at your pharmacy and would like to reduce what I pay for the same medication. Could you tell me whether a generic is available, what the cash price would be without insurance, and whether it can be dispensed in a 90 day supply rather than 30. I am not asking for any change to the medication itself. Thank you, [Your name]
Hi, I have a bill for [the amount on the bill] from [the hospital or clinic]. Before I pay it, three things: 1. Please send a fully itemized bill with the procedure codes, not the summary. 2. Please confirm this was billed to my insurance, and what they paid or denied. 3. Please send your financial assistance policy and the application form. I am not disputing the care. I want to see what I am being charged for, and whether I qualify for assistance, before I set up payment. If they press for payment today: "I am not refusing to pay. I am asking for the itemized bill first."
I have a bill for [the amount on the bill] from [the hospital or clinic]. Please send a fully itemized bill with procedure codes. Was this billed to my insurance, and what did they pay? Please send your financial assistance policy and application. I am not disputing the care, only asking to see the charges first.
Subject: Request for itemized bill and financial assistance policy Hello, I received a bill for [the amount on the bill] from [the hospital or clinic]. Before arranging payment I am requesting the following: 1. A fully itemized statement showing each charge with its procedure code, rather than a summary balance. 2. Confirmation of what was billed to my insurance and what was paid or denied, with the reason for any denial. 3. A copy of your financial assistance or charity care policy, and the application form. I am not disputing the care I received. Please hold collection activity on this account while the itemized bill and the assistance application are outstanding. Thank you, [Your name] [Account number, last 4 only] [Date of service]
Hi, I am looking at my bill. I pay [what you pay now] a month for [your plan]. I would rather stay. What can you do on price or plan today? If they offer a promo: "Is that permanent or 12 months? What is it after?" If nothing: "Okay, please transfer me to cancellations." The cancellations team has the real offers.
I want to review my plan. I pay [what you pay now] a month for [your plan]. What is the best rate you can put me on today? Is that permanent or promotional? If nothing is available, please transfer me to the cancellation team. Tip: send one line at a time. Bots skip long messages.
Subject: Request to review my plan pricing Hello, I have been a customer for some time and currently pay [what you pay now] a month for [your plan]. I would prefer to stay. Please let me know the best rate or plan you can offer, and whether it is permanent or promotional. If no change is possible, please advise on the cancellation process. Thank you, [Your name] [Account number, last 4 only]
Hi, I am calling about my account. I worked out that I paid about [your cents per kWh] cents per kWh last month, and the national average is about 18.34. Can you check whether I am on the best rate plan for my usage? Please also list any time-of-use or budget billing options, and confirm the meter reading was actual, not estimated.
Hi. Last month my bill worked out to about [your cents per kWh] cents per kWh, above the 18.34 cent national average. Which rate plans am I eligible for, and was last month's reading actual or estimated?
Subject: Rate plan review, account holder Hello, Last month my bill came to about [your cents per kWh] cents per kWh, above the 18.34 cent national average. Please tell me which rate plans I am eligible for (time-of-use, budget billing, or any lower tier) and confirm whether last month's meter reading was actual or estimated. Thank you.
Hi, I would like to cancel [the subscription], effective today. Please confirm the cancellation and send written confirmation to my email. If they offer a discount: "Thanks, no. Please proceed with the cancellation." If they say it must be done online: "Please give me the exact page, and note on my account that I requested cancellation today."
Please cancel my [the subscription] subscription effective today. I do not want a pause or a discount. Please confirm the cancellation date in this chat. Please email me written confirmation. Tip: screenshot the confirmation before closing the chat.
Subject: Cancellation request, effective immediately Hello, Please cancel my [the subscription] subscription effective today and stop all future charges. I do not wish to pause or move to a different plan. Please reply with written confirmation of the cancellation and the final billing date. Thank you, [Your name] [Email on the account]
The square brackets
Anything in brackets is the one thing only you know: what you pay now, which plan you are on, the fee on your statement. Fill those in and the script is ready. If you run the audit, the site fills them from your own statement and puts each script on the row it belongs to, so you are not matching scripts to bills by hand.
The rules these follow
Firm, polite, honest. No invented quotes, no threats you will not carry out, no claiming a competitor offer you do not have. A script that needs you to bluff is a script that falls apart when they ask a follow-up question, and you are the one left holding it.
Two things carry most of the value and both are in the phone versions. Ask whether an offer is permanent or promotional, because a twelve month promo that reverts is not a saving, it is a delay. And when the first line says no, ask for cancellations. That team has pricing the first team cannot see.
One thing the pharmacy script will never do
It asks about the price of the same medication, prescribed the same way: whether a generic exists, what the cash price is without insurance, and whether it can be filled ninety days at a time. It does not suggest stopping, skipping, splitting or changing anything. That is a line the site does not cross, and every question in it is answerable at the counter without clinical judgement.
Run the audit to get these filled in, or start from a statement.