Bank Transfer and APP Scam Recovery Services

One of the UK’s Leading Solicitors in Recovering Funds from Authorised Push Payment Frauds | No Win, No Fee

Bank transfers are now the most common method for larger payments in the UK, surpassing cash, cheques and credit cards and that makes them a popular target for fraud.

While it’s easy to assume that stolen bank details are the biggest threat, the most common type of scam is actually Authorised Push Payment (APP) fraud. This is where you are tricked into authorising a bank transfer from your bank account to a fraudster, believing it to be a genuine payment.

The most common types of APP scams include impersonation scams (such as fake calls from your Bank or HMRC), romance scams, fake investment schemes, and invoice fraud. These scams often follow patterns we can legally challenge and recover funds for.

These scams are becoming increasingly sophisticated, and even catching out Banks. Yet many victims feel too ashamed to share details with family, report it to their Bank or are overwhelmed by the complaints process — especially in sensitive cases like romance scams.

You may not have received the refund you deserve because:

• You didn’t report the scam due to embarrassment or confusion.
• Your Bank wrongly denied or reduced your refund, citing “gross negligence.”
• You were told you’re ineligible — but a complaint to the Financial Ombudsman (FOS) could overturn that decision.

According to a recent UK government survey, many victims are still left out of pocket — suffering not only financial loss but also emotional trauma including stress, anxiety, and shame.

Remember: this is not your fault, and expert help is available.

Speak to a solicitor today for a free, confidential case review – Start Your Claim Now.

We’ve helped hundreds of fraud victims get their money back — and we know how emotionally and financially devastating it can be. That’s why we combine expert legal support with genuine understanding from day one.

Here’s how we support you:

• We make the process as smooth as possible: We take time to understand your case, present it in the strongest way to your Bank or the Financial Ombudsman Service (FOS), and keep you fully updated along the way.
• We aim to get your refund as quickly as possible: Under APP refund rules, Banks must respond within 35 days — but many delay, offer partial refunds, or reject valid claims. We respond quickly to push your case forward and challenge unfair decisions.
• We provide emotional understanding — not just legal support: Every client’s experience matters. We listen, and where needed, we connect you with trusted emotional support groups for additional help.

What we offer in your free case assessment:

• We tell you if you qualify for a full APP refund: If your claim meets the Faster Payments Scheme (FPS) or CHAPS rules, we’ll explain what to expect and how we’ll pursue it.
• We explain if your Bank is wrongly refusing or limiting your refund: Even if they claim you were “grossly negligent,” we often successfully challenge that.
• If your case falls outside the APP refund rules, we find other ways to help: For scams involving card payments, foreign transfers, or rejected Bank claims, we may still recover funds through alternative legal routes or FOS complaints.

Our in-depth knowledge and track record means we know how to build a strong case — no matter how the scam happened.

Find out if you qualify for a refund — Book Your Free Case Review Today.

• Step 1: INITIAL CONSULTATION (DAY 1–2)
  Free case review with a specialist solicitor
  We assess your situation, review your transactions, and let you know whether you have a strong claim — at no cost and with no obligation.
• Step 2: EVIDENCE GATHERING (WEEK 1)
  Collecting the details that build your case.
  We help you compile all relevant information: bank transfer records, screenshots or emails from scammers, contracts or communications. This gives us the solid foundation needed to proceed confidently.
• Step 3: SCAM ANALYSIS (WEEK 1–2)
  Understanding the scam and tracking the fraud.
  We investigate how the scam was carried out — including who was involved, where the money was sent, and how it might be recovered. This helps us identify negligence or failings by your Bank or financial body.
• Step 4: LEGAL STRATEGY & RECOVERY ROUTE (WEEK 2)
  Tailoring your path to recovery.
  We prepare and submit your claim to your Bank or relevant redress body. If your Bank denies the claim, we:
  – Challenge their decision with supporting legal arguments
  – Escalate the matter to the Financial Ombudsman Service (FOS) if needed
• Step 5: EXECUTION & RECOVERY ACTIONS (WEEKS 3–8+)
  Taking action to get your money back.
  We negotiate directly with Banks and file official complaints.
• Step 6: CLIENT UPDATES & OUTCOME
  We keep you informed — always.
  Expect clear, regular communication from us. Whether we’re negotiating with your Bank or preparing an application to FOS, you’ll never be left in the dark.

Take the first step towards recovery. See If You Qualify for Scam Recovery Support.

We understand that scam victims have already lost money — so we offer a “No Win, No Fee” Agreement.

What This Means for You

  ✓  If we don’t win, you owe us nothing.
  ✓  If we succeed, our fees are based on a regulated percentage.
  ✓  No upfront costs.
  ✓  Full legal representation, if required.
  ✓  14-day cooling-off period—change your mind anytime.

Speak To A Solicitor Now About Your Recovery Options – No Win, No Fee!

If you’ve been tricked into making a bank transfer, you may have a legal right to a refund under UK banking regulations — especially if the scam involved a UK-to-UK transfer and you weren’t “grossly negligent.” Since October 2024, new rules have made it mandatory for UK Banks to refund victims of APP scams who meet specific conditions. Even if your Bank refuses, you may still win your case through the Financial Ombudsman Service.

Understand your rights – Talk to a Legal Expert Today.

Yes, in many cases you can. UK banking rules require Banks to refund scam victims, but this depends on when the scam happened, how the money was transferred, and whether the Bank believes you acted with “gross negligence.” Even if your Bank has refused you, you may still be eligible for a refund through the Financial Ombudsman.

Yes, you can get your money back from an Authorised Push Payment (APP) scam — where you’ve been tricked into authorising a transfer from your bank account via the Faster Payment Service or CHAPS to another bank account. This differs from unauthorised fraud, where a criminal steals bank details and makes transfers without your consent.

If you’ve been scammed:

• Stop all contact with the fraudster immediately.
• Report the scam to your Bank immediately and request a refund. The Bank may be able to stop or reverse the payment if it is to another UK Bank account.
• Report the fraud to the police, usually via Action Fraud (the UK’s national reporting centre for cyber and financial crime).

Reporting to the police is important because:

• It allows authorities a chance to trace the fraudster.
• Your information could help prevent future scams.
• Failing to report the scam when requested by your Bank can be grounds for the Bank refusing a refund of your stolen money.
• You may also be referred to the National Economic Crime Victim Care Unit (NECVCU) for emotional support.

Your Bank must acknowledge your refund request within 15 days and give a full decision within 35 days. If they refuse the refund or only offer a partial amount, you can escalate your case to the Financial Ombudsman Service (FOS).

Banks often refuse APP scam refunds for two key reasons:

• They claim the customer was “grossly negligent” — for example, by ignoring a specific warning from the Bank that the transaction might be a scam.
• The payment doesn’t qualify under APP refund rules, such as transfers to foreign accounts or debit card payments (credit card fraud is protected separately under the Consumer Credit Act).

If your claim is rejected, you can take your case to the Financial Ombudsman Service (FOS) — a free, independent body that can force your Bank to refund you if they find the Bank was at fault or didn’t apply the rules fairly.

You don’t need legal help to request a refund or appeal to FOS, but many people choose to work with a solicitor when:

• The scam doesn’t clearly fall under the APP refund rules (e.g. a card payment or international transfer). Invariably, Banks decline these refunds but appeals can be made to FOS on the basis that the Bank should have done more to either prevent the transaction or stop or reverse it.
• Victims are concerned their Bank will refuse the refund request and want their claim presented strongly from the start.
• Their refund request has been rejected or reduced and they want to appeal with additional evidence.
• The process feels overwhelming or too emotionally stressful to manage alone.

To start a scam recovery claim, you’ll need to provide all available material evidence of what happened — both to your Bank and, if necessary, to the Financial Ombudsman Service (FOS).

When reporting the scam to your Bank (you may also request a refund at the same time), be prepared to share:

• Details of the transaction(s) — such as bank statements showing the payments you made to the scammer.
• Written communication with the scammer — including emails, text messages, or social media chats.
• Any police report — particularly your Action Fraud or police crime reference number, if available.

If you decide to use our services, we’ll help you present your case as strongly as possible by gathering and organising:

• Your bank statements showing the relevant transactions.
• All communication with the scammer.
• Correspondence with your Bank, especially if a refund was refused or only partially offered.
• Your police or Action Fraud reference number (if you’ve already reported the scam).

Having this information prepared enables us to build a strong and well-supported claim to maximise your chances of a successful recovery.