Victim of invoice fraud?
You may be entitled to a refund.
Invoice fraud occurs when criminals intercept or fabricate invoices, redirecting legitimate payments to fraudulent accounts. If your bank processed the payment without adequate checks, you may be entitled to a refund.
Check if you can claim →Free, no-obligation eligibility check. Takes 5 minutes.
Up to £85k
PSR mandatory reimbursement cap
Property
Highest-value invoice fraud target
Up to £430k
FOS maximum award
How INVOICE FRAUD Works
Recognising invoice fraud
Invoice fraud typically targets individuals and businesses who are expecting to make a legitimate payment. Criminals intercept email communications — often by hacking email accounts — and send altered invoices with their own bank details substituted for the genuine recipient’s. Common scenarios include property purchases where conveyancing payments are redirected, business invoices where supplier bank details are changed, and fake invoices for services never provided.
Because the victim is expecting to make a payment, these scams can be particularly difficult to detect. The fraudulent invoice may look identical to a genuine one, with only the bank account details changed.
Common warning signs
Your Legal Rights
Why your bank may owe you a refund
When you fall victim to invoice fraud, your bank has specific legal obligations. Here are the grounds we use to pursue your claim:
PSR mandatory reimbursement
Since October 2024, banks must reimburse eligible APP fraud victims up to £85,000 for payments via Faster Payments and CHAPS within 5 business days.
Failure to apply Confirmation of Payee checks
Banks should flag mismatches between the payee name and account holder through Confirmation of Payee. For large or unusual payments — particularly first-time payments to new recipients — additional verification should be applied.
FCA Consumer Duty
Banks must act in customers' best interests and prevent foreseeable harm. Failure to detect invoice fraud may breach this duty.
Financial Ombudsman escalation
If your bank refuses, the FOS can independently review and award up to £430,000. We handle the entire escalation process.
How It Works
How we recover your money
Tell us what happened
Complete our short form with details of the invoice fraud and how much you lost.
We assess your claim
Our legal team reviews your case and identifies the strongest regulatory arguments for your specific situation.
We pursue your bank
We submit a formal complaint citing the specific obligations your bank has breached, and chase every deadline.
Resolution
If your claim succeeds, you receive your refund minus our agreed fee. If we don’t recover anything, you pay nothing.
Claim by Bank
Which bank did you send the payment from?
We handle invoice fraud claims against all major UK banks:
Common Questions
Invoice Fraud claim FAQ
Yes. This is a classic invoice fraud scenario. Your bank should have applied Confirmation of Payee checks which would have flagged a mismatch between the name you expected to pay and the actual account holder. The fact that you intended to make a legitimate payment does not prevent you from claiming.
Property transaction fraud often involves very large sums. The PSR mandatory reimbursement covers up to £85,000, but if your loss exceeds this, the Financial Ombudsman can award up to £430,000. We assess the full circumstances including whether your bank, the receiving bank, and any conveyancers involved failed in their duties.
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.
Fallen victim to invoice fraud?
Free eligibility assessment. No obligation. Takes 5 minutes.
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