if anyone else needs this answer
- search something like support on the main ms site top right
- get to a screen with the LARGE blue bar at the top - i used the contact us search answer
The large blue bar is the important screen - hit show expanded list of products
- click get help and support
- when you see the we're here to help screen
- type anything into that bar
- the blue button at the bottom that says contact support will get you into a live chat with a human
This is 7 steps too many for live chat, xbox site has unknown steps and now i need to try with them.
I should be able to go to support / bottom right to live chat with an agent.
2 steps, perfect UX, fast response, let me wait 30 mins on a queue, it's better than this headache.
Also contact your local authority / consumer helper government agency to help force MS to fix this to a faster / better solution for customers, the phone line is useless.