Action
Bank negotiation & reimbursement
In many cases the bank that let the payment leave your account should have stopped it, or should reimburse you now. Pursuing that is separate from chasing the fraudster - and sometimes it is the faster route to getting your money back.
Reimbursement claims
Where you were tricked into authorising a payment, reimbursement rules and the banks’ own obligations may entitle you to recover from your bank or the receiving bank. We assess whether they apply and press the claim.
Challenging refusals
Banks often decline reimbursement on the first pass. We challenge unfair refusals, framing the claim on the bank’s legal duties rather than its goodwill.
Escalation
Where a bank will not engage, we escalate - to the Financial Ombudsman Service and, if warranted, through the courts.
How this works
The steps we take
Assess
We review how the payment was made and which reimbursement rules and duties apply to your case.
Claim
A structured claim is put to the bank or payment provider, grounded in their obligations.
Challenge
Unfair refusals are contested rather than accepted.
Escalate
Where necessary we take the matter to the Financial Ombudsman or to court.
Common questions
About bank reimbursement
My bank already said no. Is that the end of it?
Frequently not. A first refusal is often the beginning of the negotiation, not the conclusion. We reframe the claim around the bank’s legal duties and escalate where the refusal does not stand up.
Can you claim against the bank and the fraudster at the same time?
Yes, and it is often sensible to. They are different routes to the same outcome, and pursuing both improves the chance that at least one returns your money.
Think this describes your case?
The case review is free and confidential. We'll give you an honest view of whether recovery is realistic.