UK PSR Mandatory Reimbursement — Active Since Oct 2024

You were scammed.
The law says you
can get it back.

We generate the exact documents your bank, Action Fraud, and the Financial Ombudsman need to make your claim — in under 10 minutes.

£85k Maximum reimbursement Mandatory under PSR PS23/3 — your bank must pay unless they prove gross negligence
Free to use Private — data never sold Ready-to-send legal documents Takes 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

Three steps to your case pack

Answer questions about what happened. We turn your answers into professional legal documents — ready to send.

01

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.

02

We generate your documents

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.

03

Send and track progress

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.

Three documents that recover money

Each document is legally accurate, professionally formatted, and ready to send. We fill in the details — you review and sign.

Action Fraud Report

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 first

Bank Complaint Letter

A formal complaint citing PSR PS23/3 mandatory reimbursement obligations. Demands a written response within 15 business days. Your highest-impact document.

Highest impact

Financial Ombudsman Referral

If 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 route

The law is on your side.

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.

£85k
Maximum per claim Mandatory reimbursement cap under PSR PS23/3
15
Business days Your bank must respond to a payment complaint in writing
8 wks
Escalation window After which you can refer to the Financial Ombudsman Service

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.

  • Payment was made via Faster Payments or CHAPS
  • You acted in good faith on the information available to you
  • You did not knowingly participate in the fraud
  • Your bank did not give you adequate fraud warnings
  • Loss occurred after 7 October 2024 (pre-October claims use the voluntary CRM Code)

Also on Telegram — check a message before you act.

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.

Open in Telegram

Privacy

Encrypted at rest

Case data is encrypted. Your email is stored only as a one-way hash — we cannot read it.

Right to erasure

Delete your case and all uploaded evidence at any time — instantly, no questions asked.

No data selling

Your information is used only to generate your documents. We don't sell, share, or monetise it.

Identifiers scrubbed

Scammer phone numbers, account numbers, and identifiers are anonymised before storage.

Ready to build
your case?

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.