Scam Refund Wizard — Build Your Bank Complaint in 10 Minutes

Free 6-step intake wizard for UK scam refund claims. Get a draft PSR-aligned bank complaint letter immediately. £0 to start, no Claims Management Company.

Phone call out of the blue

WhatsApp / Telegram message

Social media (Facebook, Instagram, etc.)

Dating or messaging app

A website, ad, or pop-up

A hacked friend or family account

My bank's fraud team

The police, NCA, or fraud investigator

HMRC, DVLA, or another government body

Royal Mail, DHL, or a parcel courier

An investment broker or trading platform

A new romantic partner I had been talking to

A relative or friend in trouble

A buyer, seller, or supplier

Tech support (Microsoft, Apple, antivirus)

Move money to a "safe account"

Pay into an investment or trading platform

Pay a tax bill or fine

Pay a delivery or customs fee

Send money to a romantic partner / loved one

Pay an invoice (with new bank details)

Buy or transfer cryptocurrency

Install software or give remote access to my computer

Click a link and enter my bank details

Read out a one-time passcode I had been sent

Faster Payment (instant bank transfer)

CHAPS / wire transfer

Debit or credit card payment

Multiple of the above

Bank transfer / APP fraud

Investment / crypto fraud

Impersonation (bank, HMRC, police)

Invoice redirection / CEO fraud

What kind of scam was it?

Pick the closest match — we will tailor the complaint to the right rules. (Fields marked * are required.)

The bank and the loss

Which UK bank held the account the money left from, and how much went?

If you leave this blank we'll keep [Bank address] as a placeholder for you to fill in before sending.

Heads up — this is before 7 October 2024

The PSR Mandatory Reimbursement Scheme only covers payments made on or after 7 October 2024. Earlier losses fall under the voluntary Contingent Reimbursement Model (CRM) Code, which only the 9 signatory banks signed up to (Barclays, HSBC, Lloyds, Nationwide, NatWest, RBS, Santander, Starling, TSB) — different rules, weaker remedy.

We’ll still help you draft a complaint, but read the PSR scheme guide first so you know which rules apply to you. You may still be eligible for FOS escalation under DISP — that route stays open.

We will fold this into the complaint letter alongside your answers above.

Have you reported it to the bank?

If yes, what did they say?

From this date you have 6 months to escalate to the Financial Ombudsman Service.

The complaint we draft for you will be the first formal report — and it starts the bank's 5-working-day clock under PSR rules.

Tick what you can produce. We will list these in the letter.

Don't have all of it yet? That is fine — we will say "available on request" in the letter.

Your details for the letter

Used in the letter only — we don't share these.

Goes at the top of the letter. Banks need a postal address to reply to.

Your bank complaint draft

Keep this with your case

Save the draft to your document vault — it'll sit alongside your evidence and you can pick up refining it any time.

Need help preparing an Ombudsman referral?

This basic bank complaint stays free. The £99 Ombudsman Pack adds a referral draft, chronology, evidence index and rebuttal builder, unlimited AI Case Companion, Document Vault and PSR/FOS deadline tracking. The Financial Ombudsman Service itself is free; our fee is for optional preparation software. You submit the complaint yourself.

Not legal advice. Start My Claim is document-assembly software that helps you prepare your own bank complaint and FOS submission under the PSR Mandatory Reimbursement Scheme and FOS DISP rules. For complex situations, seek independent advice.

We kept the answers you started before. Carry on, or