Has your bank rejected your fraud claim?

Upload or paste the bank’s response letter. We’ll decode the rejection grounds, check them against the PSR Mandatory Reimbursement Scheme rules (in force since 7 October 2024), and surface the points that strengthen or weaken an FOS escalation. You decide whether to escalate.

Strong FOS escalation

Moderate FOS escalation

Out of time — FOS 6-month window expired

FOS deadline — unclear

Bank Response Decoder

Bank Response Decoder

Has your bank rejected your fraud claim?

You have 6 months from the bank’s final response to take it to FOS. The PSR scheme caps reimbursement at £85,000 per claim and requires a decision within 5 working days (max 35).

Upload or paste the bank’s letter

We accept PDFs, scanned images and Word docs as well as plain pasted text. Include any attachments or schedules — they often contain the actual reasoning.

Bank’s rejection grounds

PSR scheme compliance

Based on what we’ve read, this looks out of scope for the PSR Mandatory Reimbursement Scheme. There may still be another route — see the resources or get in touch.

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 cases fall under the voluntary CRM Code, which only the original 9 signatory banks signed up to — different rules apply.