Scammed more than once — can I still claim?
If you’ve fallen victim to fraud more than once, you may worry that this counts against you. In fact, the opposite can be true — repeat victimisation may indicate that your bank failed to protect you adequately.
Check if you can claim →Free, no-obligation eligibility check. Takes 5 minutes.
Repeat victimisation is not your fault
Criminals specifically target people who have been scammed before, knowing they may be more susceptible. Being scammed previously does not mean you were negligent — it means sophisticated criminals identified you as a target.
Under PSR rules, each claim is assessed on its own merits. A previous scam does not disqualify you from claiming for a new one.
Your bank should have done more
If you’ve been scammed before through the same bank, they should have had enhanced monitoring in place. Banks are expected to learn from previous fraud on your account and apply additional safeguards.
Failure to protect a customer with a known fraud history is a significant failing that strengthens your claim. It shows the bank did not act on the information they had.
How we handle repeat claims
We review your full history to build the strongest case. Each incident is assessed individually, and the pattern of repeated victimisation becomes an argument for enhanced bank failings.
We handle everything with sensitivity — many repeat victims feel deep shame. There is no judgement from our team.
Key points
- Each claim is assessed on its own merits — previous scams don’t disqualify you
- Repeat victimisation may indicate your bank failed to protect you
- Banks should apply enhanced monitoring after a previous fraud
- Criminals deliberately re-target previous victims
- No judgement — we handle every case with sensitivity
Common Questions
Scammed more than once — can I still claim? FAQ
They may try, but this argument often backfires. If your bank knew you had been scammed before, they should have applied enhanced fraud monitoring. Failure to do so strengthens your current claim, not weakens it.
Potentially, yes. The 13-month PSR deadline runs from each payment individually. For older incidents, the Financial Ombudsman can consider complaints up to 6 years old. We review your full history to identify all viable claims.
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.
Scammed more than once — can I still claim??
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