For people who have lost money to fraud
Scammers are organised and convincing. If you’ve lost money, acting quickly gives you the best chance of putting things right. Start with the checklist, then tell us what happened.
Your free options
You don’t need to use a company like ours to ask for your money back. These routes are free:
If you were tricked into sending a payment from a UK account, rules introduced in October 2024 mean many victims are entitled to reimbursement from their bank. Claims usually need to be made within 13 months of the last payment.
If you paid by debit or credit card, your card provider may be able to reverse the payment through a chargeback, or under Section 75 for some credit card purchases.
If your bank rejects your claim or doesn’t respond within the required time, you can refer your complaint to the Financial Ombudsman Service for free.
Some people prefer support with the process. Select Claims takes enquiries and explains the options that may be open to you. If support with a claim involves a fee, you’ll be told exactly what it is before you agree to anything.
Nobody can guarantee you’ll get your money back. Outcomes depend on how you paid, when, and the circumstances of the scam.
Warning
People who have already lost money are often targeted again by fraudsters claiming they can recover it, sometimes pretending to be police, regulators or lawyers.
Scam types
Someone posing as your bank or the police persuades you to move money.
Fake schemes promising high returns, including online trading platforms.
Fake exchanges, wallets or “advisers” that take your money.
Someone builds a relationship online, then asks for money.
Paying for goods or services that never arrive.
Messages that appear to come from family, HMRC, a delivery firm or another trusted source.
Fake jobs that ask you to pay to unlock earnings.
Payment details changed by a fraudster, often for a builder, solicitor or supplier.
How it works
A short set of questions about the scam, how you paid and when. It takes a few minutes.
We check which routes may be open to you, including the free ones you can use yourself.
You can go it alone, or, if you want support, we explain who we’d refer you to and what it costs before anything happens.
Enquiry
Answer what you can. If you’re not sure about something, choose “not sure”.
We will never ask for your online banking passwords, PINs or one-time codes.
Step 1 of 3
FAQs
No. Nobody can guarantee that. Whether money can be recovered depends on how you paid, when, who you paid and the details of what happened.
No. You can contact your bank or card provider directly and, if you’re unhappy with their answer, go to the Financial Ombudsman Service. Both are free.
Making an enquiry is free. If support with a claim involves a fee, you’ll be told the amount, when it’s payable and any cancellation charges before you agree to anything.
It can be harder, but it’s still worth acting. If you sent money from a UK bank account to buy crypto as part of a scam, talk to your bank. Report it too, and keep all transaction records.
Not necessarily. Time limits vary depending on how you paid and when. You can still complain to your bank, and in some cases to the Financial Ombudsman.
It’s right to ask. Select Claims Limited is registered in England and Wales with company number 05967813, which you can check on Companies House. We will never ask for an upfront fee, your banking passwords or remote access to your device.
Contact
Select Claims Limited
254 Bradford Road
Manchester, England
M40 7BT