Action
Bank and payment provider claims
The fraudster is not always the only party at fault. In a good many cases the bank or payment firm that released the money had reason to pause it, and its obligations to you did not end when you pressed confirm. Pursuing that runs separately from chasing whoever took the money, and it is sometimes the quicker route.
Reimbursement
Where you were deceived into authorising a payment, the reimbursement rules and the duties a bank owes its customer may entitle you to recover from your own bank or from the one that received the money. We assess whether they apply to your facts and put the claim.
Refusals are not conclusions
A first refusal is common and is frequently the start of the argument rather than the end of it. We reframe the claim around what the bank was legally obliged to do rather than what it is willing to offer, which tends to change the conversation.
Somewhere else to take it
Where a bank will not engage properly, the matter goes to the Financial Ombudsman Service or, where the sums and the facts justify it, to court.
How this works
The steps we take
Review
We look at how the payment was made and which rules and duties actually apply to it.
Put the claim
A structured claim goes to the bank or payment provider, grounded in its obligations rather than its goodwill.
Contest
Refusals that do not stand up are challenged rather than accepted.
Escalate
The Financial Ombudsman Service, or proceedings, where that is what it takes.
Common questions
About bank reimbursement
My bank has already turned me down.
That happens often and is frequently not the end of it. The question is whether the refusal is defensible against the bank’s actual duties, which is a different question from whether the bank is willing to reconsider.
Can I go after the bank and the fraudster at once?
Yes, and it is often the sensible course. They are separate routes to the same outcome, and running both improves the chance that at least one of them returns something.
Does this sound like your situation?
The assessment is free and confidential, and it ends with an honest view of whether anything can be recovered.