Fraud claims guides

How APP fraud claims work in the UK

Authorised Push Payment (APP) fraud is when you’re tricked into transferring money from your bank account to a fraudster. Since October 2024, new rules mean your bank must reimburse you in most cases. This guide explains the full claims process from start to finish.

How the Financial Ombudsman handles fraud complaints

The Financial Ombudsman Service (FOS) is your route to an independent review when your bank refuses a fraud refund. It’s free for consumers and can award up to £430,000. Here’s exactly what to expect from the process.

What is ‘gross negligence’ in bank fraud claims?

If your bank has refused your fraud refund citing ‘gross negligence’, you’re not alone — it’s one of the most common reasons for rejection. But the legal definition is much narrower than most banks suggest, and many rejections on this basis don’t stand up to scrutiny.

PSR mandatory reimbursement for APP fraud explained

On 7 October 2024, the Payment Systems Regulator introduced mandatory reimbursement for APP fraud victims. This was the biggest change to fraud protection in UK banking history. Here’s what the rules mean for you.

The consumer standard of caution explained

Under the PSR mandatory reimbursement rules, consumers must meet a ‘standard of caution’ to qualify for a refund. But this standard is designed to be reasonable, not impossible. Here’s what it actually requires.

What is Confirmation of Payee and why it matters for fraud claims

Confirmation of Payee (CoP) is a name-checking service that alerts you when the name you enter for a payment doesn’t match the actual account holder. If your bank failed to apply CoP before your fraudulent payment, it could significantly strengthen your claim.

FCA Consumer Duty and fraud claims

Since July 2023, the FCA Consumer Duty requires banks to act in customers’ best interests, deliver fair outcomes, and ensure foreseeable harm is prevented. This has significant implications for how banks handle fraud complaints.

Section 75 credit card claims for fraud explained

If you paid for something by credit card and it turned out to be fraudulent, misrepresented, or was never delivered, Section 75 of the Consumer Credit Act 1974 may make your card issuer jointly liable. This gives you a powerful route to getting your money back.

Chargeback claims for fraud explained

If you’ve paid for goods or services by debit or credit card and they turned out to be fraudulent or were never delivered, chargeback is a quick route to reclaiming your money. Here’s how it works.

Extra protections for vulnerable fraud victims

If you were particularly vulnerable to the specific type of scam you fell victim to, the law provides enhanced protections. These can make a significant difference to the outcome of your claim.

Bank refused your scam refund? Here’s what to do next

A rejection from your bank can feel devastating, but it’s not the end of the road. Many bank rejections don’t stand up to independent scrutiny. Here’s a step-by-step guide to what you can do next.

Cryptocurrency scam claims in the UK

Cryptocurrency fraud is growing rapidly, and many victims assume they can’t get their money back because crypto is involved. But if you transferred money from your UK bank account, the PSR mandatory reimbursement rules may still apply.

How to report fraud in the UK

If you’ve been the victim of fraud, acting quickly is important. Here’s who to contact, in what order, and what information you’ll need.

How to report to Action Fraud and why it matters

Reporting to Action Fraud isn’t just about catching criminals — it creates an official record that strengthens your bank refund claim. Here’s how to do it and why it matters for getting your money back.