É BurlaScammed? Here's how to get your money back
Answer 2 questions: we'll show you what your bank must do, your deadlines, and ready-to-send letters. Free, no sign-up.
🔒 What you type stays on your device. Rules checked on 13/09/2026 against official sources.
Frequently asked questions
Will my bank refund me if I was tricked into sending money?
In most cases, yes. Since 7 October 2024, banks must reimburse victims of authorised push payment (APP) scams made by Faster Payments or CHAPS between UK accounts — up to £85,000 — unless you acted with gross negligence. Claim within 13 months of the payment.
How long does my bank have to refund me?
For APP scams, normally 5 business days, or up to 35 if they need more information. For payments you didn't authorise, by the end of the next business day after you tell them.
I paid by card. Can I get my money back?
If you paid by credit card and the item cost between £100 and £30,000, you can claim under Section 75 of the Consumer Credit Act. Otherwise, ask your bank for a chargeback under the card scheme rules.
My bank said no. What now?
Ask for their final response in writing. You then have 6 months to take your complaint to the Financial Ombudsman Service, which is free.
Someone is offering to recover my money for a fee. Can I trust them?
Be very careful. Fake lawyers, 'hackers' and even fake police officers target scam victims a second time. No legitimate organisation charges upfront to recover money.