Lost between £10,000 and £85,000 to fraud?

Losing a significant sum to fraud is devastating. At this claim value, professional representation is essential — banks deploy sophisticated arguments to avoid paying larger claims, and you need experts who know how to counter them.

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Key information

  • Fully covered by PSR mandatory reimbursement (within the £85,000 cap)
  • Banks are more likely to resist larger claims — professional representation is critical
  • If your bank refuses, FOS escalation can award the full amount plus interest
  • Vulnerability arguments can be particularly impactful at higher claim values

For claims between £10,000 and £85,000, the stakes are higher for both you and your bank. Banks are more likely to deploy detailed rejection arguments for larger claims, citing specific provisions of the PSR rules or consumer standard of caution.

Professional representation at this level is critical. We prepare comprehensive cases citing specific regulatory obligations, bank-specific failings, and relevant FOS precedents. If your bank still refuses, we handle the FOS escalation with a detailed evidence bundle.

Vulnerability assessments become particularly important at higher claim values. If you were vulnerable at the time of the fraud, this significantly strengthens your position.

Recommended route: PSR mandatory reimbursement / FOS escalation

Common Questions

£10,000 — £85,000 claim FAQ

Banks face greater financial impact on larger claims. They’re more likely to invest time in building a rejection case, citing specific grounds like gross negligence. This is exactly why professional representation matters — we know the counter-arguments and how to dismantle them.

If your claim is upheld by the Financial Ombudsman, they can award 8% simple interest from the date of loss to the date of payment. On a £50,000 claim that takes 12 months to resolve, that’s an additional £4,000.

We operate on a no-win, no-fee basis under a Damages-Based Agreement. If your claim is unsuccessful, you pay nothing. If we recover funds for you, our fee is a percentage of the amount recovered. The exact percentage is clearly explained before you sign anything, as required by SRA regulations.

The PSR mandatory reimbursement scheme applies to payments made within 13 months. For older cases, the Financial Ombudsman can consider complaints up to 6 years from the event, or 3 years from when you became aware. We can assess your eligibility during the free initial review.

Other claim ranges

Under £1,500£1,500 — £10,000Over £85,000Business fraud claims

Lost money to fraud?

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