How it works

Tell us what happened

The easiest way to do this is to complete our claim form.

We agree to work together

We’ll accept your case if we think you’ve got a good chance of winning. At that point, we’ll send you everything you need to know and a contract to sign.

If we decide that we can’t take your case on, we’ll provide you with detailed instructions on how you can continue your case yourself, if you wish to do so.

We assess the details of your case

To see if we think you have a good chance of getting your money back, we may need to reach out to you to find out more about what happened.

We put forward the case to your bank

We use our knowledge of fraud cases to put forward the right arguments to your bank in an attempt to resolve your complaint.

We take your claim to the FOS

Banks have 15 days to respond to your complaint. If they give you back all the money you lost, your case ends here. If not, we take it to Financial Ombudsman Service.

Unfortunately, backlogs at FOS mean that you might not get an outcome for up to 18 months.


You receive your outcome

If successful, your bank will make the payment directly to you. We’ll then send you our bill with instructions on how to pay.

If unsuccessful, you won’t pay a penny.

How long does it take?

If we’re able to settle your case with your bank we could get your money back within 15 days.

If the bank refuses to refund you, we’ll need to take your complaint to FOS. Once it’s with FOS, timelines can vary widely. It can take from a few more weeks to a couple of years.

The process may vary.

This can depend on whether you’ve complained to your bank already, or if your bank agrees to refund all the money you lost without needing to go to FOS. (Your case will be resolved much quicker if we don’t need to involve FOS.)

Start your enquiry

Takes 2 minutes