Has your bank rejected your fraud claim?

Upload or paste the bank’s response letter. We’ll identify its stated reasons, relevant dates and information to check. The result does not establish whether reimbursement is owed or assess your prospects. You decide whether to escalate.

May be outside the PSR scheme

Usual six-month FOS period appears to have passed — check exceptions

FOS deadline — unclear

Bank Response Decoder

Has your bank rejected your fraud claim?

You usually have 6 months from the bank’s final response to take it to FOS; exceptions can apply. Eligible UK Faster Payments and CHAPS scams from 7 October 2024 fall under mandatory reimbursement rules, generally capped at £85,000. Reimbursement is normally within 5 business days; permitted information-gathering pauses can extend the process, with an outcome due within 35 business days. Authorising a payment does not by itself exclude an eligible APP scam claim. Read the regulator’s scope and exceptions.

Upload or paste the bank’s letter

We accept PDFs, Word (.docx) and text files, as well as pasted text. Include any attachments or schedules — they often contain the actual reasoning.

One file up to 3 MB, or up to 28,000 pasted characters. Anonymous AI checks have a shared limit of 30 a day per internet connection; temporary limits also apply during busy periods. The other free tools remain available.

Information to check:

AI-extracted dates, amounts and categories can be mistaken. Read the full letter before acting. The information below describes rules and deadlines that may apply. It is not an assessment of how likely a complaint is to succeed. The Financial Ombudsman Service is free to use and you can go to it yourself without any paid help.

Passages from your letter

These passages match the text you supplied. Read them in context; they are not a legal classification of the bank’s reasons.

No source-matched passages are available. Check the bank’s reasons in the original letter. For a PDF, you can paste the relevant text to check passages against it.

This letter does not give the dates needed to work out the scheme timing. That normally needs the date you reported the payment to the bank, the date of its reimbursement decision and any permitted pause. Check those against your own records.

On what the letter says, the payment may fall outside the PSR Mandatory Reimbursement Scheme (for example by date, payment type or who made it). Other routes can still apply, including a complaint under the bank’s ordinary complaints process and the Financial Ombudsman Service. See the free resources.

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Not legal advice. The Bank Response Decoder checks the PSR Mandatory Reimbursement Scheme (PS24/7, in force from 7 October 2024) and FOS eligibility rules under DISP. For complex situations contact us at hello@startmyclaim.ai. Pre-7-October-2024 payments may fall under the voluntary CRM Code, which only participating banks signed up to — coverage depends on the bank, payment and dates.