The Co-operative Bank refused your fraud refund?
Don't give up. You still have options.
A rejection from The Co-operative Bank is not the final word. Banks frequently refuse legitimate claims, but the Financial Ombudsman Service overturns these decisions in a significant proportion of cases. We can review your case for free.
Get a free case review →No obligation. We'll tell you if you have a case.
44-54%
FOS uphold rate for APP fraud
Up to £430k
FOS maximum award
6 months
Deadline to escalate after bank response
Why THE CO-OPERATIVE BANK May Have Rejected Your Claim
Common reasons banks refuse fraud refunds
Gross negligence claim
Banks sometimes argue you were ‘grossly negligent’ — but this is a very high legal bar. Simply being tricked by a sophisticated scam does not make you negligent.
Ignored warnings
Banks may claim you ignored fraud warnings. However, the warnings must have been specific and clear. Generic pop-ups may not meet the required standard.
Delayed reporting
If you reported late, your bank may refuse. But the 13-month PSR deadline is generous, and there may be valid reasons for delay that should be considered.
Consumer standard of caution
Banks must prove you failed to meet the standard — the burden is on them, not you. The definition of ‘reasonable care’ considers your individual circumstances.
How We Challenge Refusals
How we overturn The Co-operative Bank's decision
- We obtain and analyse The Co-operative Bank's rejection letter to identify legal weaknesses in their reasoning
- We assess whether The Co-operative Bank met their own obligations — Confirmation of Payee, fraud warnings, transaction monitoring
- We build a detailed case file citing the specific PSR rules, CRM Code obligations, and Consumer Duty requirements The Co-operative Bank has breached
- We submit a comprehensive complaint to the Financial Ombudsman with a full evidence bundle, giving your case the strongest possible chance
Pursuing a claim yourself is always an option — the Financial Ombudsman Service is free to use directly. We provide professional legal support for those who prefer expert representation.
The Escalation Process
Taking your case to the Financial Ombudsman
We review your rejection
Analyse The Co-operative Bank’s reasoning and identify grounds for challenge.
We prepare your FOS complaint
Detailed submission with evidence bundle and regulatory citations.
FOS investigates
Independent adjudicator reviews both sides. Typically 6–12 months.
Decision and compliance
If upheld, The Co-operative Bank must comply within 28 days. Awards up to £430,000.
Common Questions
The Co-operative Bank refund refused — your questions answered
Gross negligence is a very high legal bar. Under PSR guidance, it only applies in four specific scenarios: ignoring a specific scam warning from your bank, failing to report within 13 months, refusing to cooperate with information requests, or refusing consent to police reporting. Being deceived by a sophisticated scam is not gross negligence. We frequently challenge this reasoning successfully.
You have 6 months from The Co-operative Bank’s final response letter to escalate to the FOS. If The Co-operative Bank has not issued a final response within 8 weeks of your complaint, you can escalate immediately. We monitor all deadlines to ensure nothing is missed.
We’ll guide you through exactly what’s needed, but key evidence includes: The Co-operative Bank’s rejection letter, your bank statements showing the fraudulent payments, any communications with the scammer, and your Action Fraud report reference. Don’t worry if you don’t have everything — we can work with what you have.
The same as any other case — no win, no fee. We operate under a Damages-Based Agreement. You only pay if we recover funds for you. The initial case review is completely free with no obligation.
Specific fraud types against The Co-operative Bank
Don't accept The Co-operative Bank's decision
Free case review. No obligation. We'll tell you if you have grounds to challenge.
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