What happens next?

Something has just happened in your case, and you want to know what comes next. Find your situation below — each one is written for the exact moment you're in, not the whole process from the start.

What Happens Next? — Start My Claim

Find your situation and read what happens next, in plain English, across Employment Tribunal, Small Claims, Renters' Rights and Scam & Fraud.

New ones added most weeks

Most recently added:

Don't see your situation yet?

This list is being built out situation by situation, across all four tracks. If yours isn't here yet, it's worth checking back — new ones are added most weeks. In the meantime, the glossary covers the individual terms you'll come across, and The Claimant has the wider reporting.

Information, not legal advice. Start My Claim is not a law firm — always verify current rules with an official source or a qualified adviser before acting.

Ready to build your case?

Find your situation

Employment Tribunal

Small Claims

Renters' Rights

Scam Refund

  • Someone has taken out a loan, credit card or account in your name — What to do when a loan, credit card or phone contract appears in your name: telling the lender, reporting to Report Fraud, the FCA rule that makes the lender prove the debt is yours, correcting your credit files, Cifas, a CCJ you never knew about, and the Financial Ombudsman Service.
  • Someone has contacted you offering to recover money you lost to a scam — How recovery room scams work, why the caller knows so much about your loss, how to check a firm on the FCA register, the free routes through your bank and the ombudsman, and what to do if you have already paid.
  • There's a payment on your account you didn't make — What counts as an unauthorised payment, the next-business-day refund rule, the £35 cap, who has to prove gross negligence, and how to take a refusal to the Financial Ombudsman Service.
  • You think you're being scammed right now — The scammer's only real asset is the next sixty seconds. What to do, in order, from the moment a conversation starts to feel wrong — and what the rules give you if the money has already gone.
  • You moved your money to a “safe account” — The caller knew your name, your bank, and exactly what to say. Moving the money was the scam itself — and the reimbursement rules were written for precisely this call.
  • You paid for something online and it never arrived — The listing looked normal and the seller had reviews. Whether this is fraud or just a bad seller changes which door you knock on next — and how you paid decides the route.
  • Your bank only reimbursed part of your scam loss — Some money back can feel like a win, until you realise nobody has explained how the bank reached that number. Here is how a partial refund is actually built, and how to challenge it.
  • You made the payment yourself — You pressed send yourself — and that feels like the end of the argument. Under the mandatory reimbursement scheme, it is only the beginning: the bank has to show that a narrow exception applies before it can refuse you.
  • You paid someone posing as your solicitor — Fraudsters intercept conveyancing emails and redirect your mortgage funds to their own account. The PSR scheme means your bank should reimburse you — but you have to know how to claim.
  • Your bank blamed you for the scam — Banks use gross negligence to refuse scam refunds. The bar is much higher than they suggest — here is how to push back.
  • Your bank refused a romance or investment scam refund — Romance and investment scams target trust, not gullibility. The people who fall victim are sustained by professional-grade deception. The law recognises this — even when the first letter from the bank does not.
  • Your bank refused your scam refund — Banks write their refusal letters to sound final. They are not. The PSR mandatory reimbursement scheme and the Financial Ombudsman Service exist precisely for this situation.