Your bank refused your refund. That's not the end.

UK banks now have to refund authorised push payment (APP) fraud unless they can prove gross negligence. If yours said no, the Financial Ombudsman Service can overturn that — for free. We'll help you build the complaint that gets your money back.

In time — but don't wait

Approaching deadline — start your claim

Are you still in time?

Two statutory deadlines apply. We’ll show you yours.

Bank claim: 13 months from last fraudulent payment (PSR Mandatory Reimbursement Scheme). FOS escalation: 6 months from bank’s final response (FCA DISP rules).

Can I get my money back if I authorised the payment myself?

Yes. The PSR Mandatory Reimbursement Scheme (October 2024) requires UK banks to refund victims of authorised push payment (APP) fraud unless the bank can prove you were grossly negligent. Even before this scheme, banks signed up to the voluntary CRM Code which had similar protections.

My bank already refused my refund — what now?

You can escalate to the Financial Ombudsman Service (FOS) for free. FOS overturns a meaningful share of bank rejections. Your case must first have been put to the bank in writing, and you must escalate within 6 months of their final response.

Is Start My Claim a Claims Management Company?

No. We provide document-assembly software — you build and send your own complaint with our guidance. We never act as your representative, never receive funds on your behalf, and we charge a single fixed fee. Claims Management Companies typically take 15-30%+VAT of any recovered funds.

What's the time limit for an APP fraud refund claim?

Under the PSR scheme, you must claim from your bank within 13 months of the last fraudulent payment. If the bank rejects you, you have 6 months from their final response to escalate to the Financial Ombudsman Service.

What kinds of scams qualify?

Most authorised push payment scams: impersonation scams (fake bank caller, fake police, fake HMRC), purchase scams (paid for goods that never arrived), invoice scams (fake invoice from supplier), investment scams, romance scams, advance-fee scams. Crypto scams are partially covered depending on the route taken.

Will using your tool affect my chances?

No — the complaint goes from you, in your name, with your signature. The bank and FOS treat it identically to one you wrote yourself. The advantage of our tool is that it cites the right rules (CRM Code, PSR Mandatory Reimbursement Scheme, DISP rules) and structures your case in the format ombudsmen expect.

Your bank refused your refund.

Types of scam we help with

If you authorised a payment to a fraudster,

you may be eligible for a refund.

The PSR Mandatory Reimbursement Scheme covers most authorised push payment frauds. Here are the most common scenarios.

Someone pretending to be your bank, the police, HMRC, or a utility company convinced you to move money to a "safe account". The money went straight to the scammer.

You paid for goods that never arrived, or arrived as something completely different. Common on Facebook Marketplace, eBay, fake retail sites, and ticket resale.

Invoice / mandate scam

A scammer intercepted a real invoice (often from a builder, solicitor, or supplier) and changed the bank details. You paid them, not your supplier.

A "broker" or "platform" persuaded you to invest in shares, crypto, forex, or bonds. The investment vanished or the platform was fake.

You sent money to someone you met online who turned out to be a fraudster. Sometimes spread across many small transfers.

You paid a fee up front for a loan, prize, inheritance, or job that never existed. The scammer kept asking for "one more payment" before disappearing.

From scammed to settled —

three structured steps.

You stay in control throughout. Every letter goes from you, in your name. We just give you the words and the structure.

Tell us what happened

Answer 8-10 structured questions about the scam — when, how, your bank, what you've already done. Takes about 10 minutes. We identify which rules apply to your case.

Send your bank complaint

We draft a complaint letter citing the right rules — CRM Code, PSR Mandatory Reimbursement Scheme, DISP rules. You review, sign, and send. The bank has 8 weeks to respond.

Escalate to the Ombudsman

If the bank rejects you, we build your Financial Ombudsman Service complaint pack — chronology, supporting evidence, legal arguments. FOS reviews it for free and can order the bank to pay.

vs Claims Management Companies

£39 fixed beats 25% of your money back.

Claims Management Companies typically take 15-30% + VAT of whatever they recover for you. On a £10,000 refund, that's £1,800-£3,600 — gone. We charge a flat £39 for the same outcome.

+ VAT, of what they recover

Start My Claim is software, not a Claims Management Company. We don't act on your behalf, don't negotiate with the bank, and don't receive funds. You drive the case — we structure your complaint and tell you what to do next. If you want someone to handle it for you completely, a CMC is the right choice. If you want to pay a fixed price and keep 100% of your refund, that's where we fit.

One fee. Total transparency.

Start free. If we help you build the bank complaint, we charge nothing. Pay £39 only if you need the FOS escalation pack.

Bank complaint stage. No card needed.

If your bank says no

Everything you need to escalate to the Ombudsman.

You keep 100% of any refund. Court fees and FOS submissions are free. Software, not a regulated activity.

Frequently asked questions

Don't let one rejection be the end.

The PSR scheme exists because banks were rejecting too many legitimate claims. The Financial Ombudsman is there to put them right. We help you get there.

No card to start. Pay only if you need the FOS escalation pack.