Tell us what happened
Answer guided questions about how the scam started, what you were told, how much you lost, and how you paid. Takes 5–10 minutes. Your answers never leave our encrypted servers.
We generate the exact documents your bank, Action Fraud, and the Financial Ombudsman need to make your claim — in under 10 minutes.
UK law changed on 7 October 2024. Under the PSR's mandatory APP Fraud Reimbursement Scheme, banks are required to reimburse most Authorised Push Payment fraud victims — up to £85,000. Most victims don't know this, and most never claim.
How it works
Answer questions about what happened. We turn your answers into professional legal documents — ready to send.
Answer guided questions about how the scam started, what you were told, how much you lost, and how you paid. Takes 5–10 minutes. Your answers never leave our encrypted servers.
Three documents are created automatically: an Action Fraud report, a formal bank complaint citing PSR law, and a Financial Ombudsman referral letter — all tailored to your exact case.
Download as PDF, review the next steps, and track where each complaint is. We'll remind you of key deadlines — like the 8-week FOS referral window.
What you get
Each document is legally accurate, professionally formatted, and ready to send. We fill in the details — you review and sign.
Pre-filled report for the UK's national fraud reporting service. Your reference number is required for both the bank complaint and FOS referral, so this comes first.
Send firstA formal complaint citing PSR PS23/3 mandatory reimbursement obligations. Demands a written response within 15 business days. Your highest-impact document.
Highest impactIf your bank refuses to pay — or doesn't respond in 8 weeks — this escalates to the FOS, who have upheld the majority of APP fraud cases brought before them.
Escalation routeYour legal rights
The PSR's mandatory scheme came into force on 7 October 2024. Banks must now reimburse most APP fraud victims. You don't need a solicitor to make this claim.
What you need to qualify
The bank must reimburse you unless they can prove you were grossly negligent — which is a very high bar. In most investment fraud cases, banks fail to meet it.
Not sure if that investment offer or property listing is real? Send it to our ScamFendr bot on Telegram. Our AI analyses the message and flags investment fraud grooming patterns in seconds.
Privacy
Case data is encrypted. Your email is stored only as a one-way hash — we cannot read it.
Delete your case and all uploaded evidence at any time — instantly, no questions asked.
Your information is used only to generate your documents. We don't sell, share, or monetise it.
Scammer phone numbers, account numbers, and identifiers are anonymised before storage.
Free, private, and takes less than 10 minutes. We generate the documents — you review and send.
Build my case pack
This service generates draft documents based on UK law as of today's date. It is guidance, not legal advice.
If your case is complex, consider contacting Citizens Advice or a regulated solicitor.