Practice area
Bank & APP Fraud Reimbursement
If you were deceived into transferring money from your bank account, you may be entitled to reimbursement from your bank. We run authorised push payment claims, ombudsman complaints and court proceedings against sending and receiving banks.
If fraudsters tricked you into sending money by bank transfer — an authorised push payment, or APP fraud — the strongest recovery route often runs through your own bank rather than the fraudsters. UK reimbursement rules now require payment firms to compensate many APP fraud victims, and banks that failed to spot obvious warning signs can be held to account even for older payments.
Banks routinely reject first complaints, blaming the customer for ignoring warnings. We know how to answer that: we analyse the bank's own conduct — the transaction patterns it should have flagged, the interventions it failed to make — and put the complaint in terms the bank and the Financial Ombudsman take seriously. Where the receiving bank hosted the fraudster's account negligently, we pursue that too.
How we help
- 1
Payment forensics
We reconstruct every payment and examine what your bank saw: transaction size and pattern, new payee flags, and the warnings it did or did not give at the time.
- 2
Reimbursement claim
We present your claim under the mandatory reimbursement rules or the codes applicable at the time of your payments, framed around the bank's failures rather than your mistake.
- 3
Ombudsman escalation
If the bank refuses, we prepare a full referral to the Financial Ombudsman Service — where well-argued APP fraud complaints succeed far more often than unrepresented ones.
- 4
Litigation where needed
For high-value losses or receiving-bank claims, we take the matter to court, including claims based on the Quincecare duty and retrieval failures.
What we handle
- Authorised push payment (APP) claims
- Mandatory reimbursement scheme claims
- Financial Ombudsman complaints
- Claims against receiving banks
What you can expect
- Full reimbursement plus interest in successful claims
- Bank rejections overturned at the ombudsman
- Receiving banks held to account
- No settlement recommended below what your claim is worth
Acted on quickly, losses can be recovered
The sooner we start, the better the prospects. Your first consultation is confidential and without obligation.
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