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Last reviewed: June 2026 · For use in England & Wales · eLitigant is a Community Interest Company (No. 16566612), not a law firm and does not give legal advice.
Quick answer
Paid a scammer by debit or credit card? Use chargeback or Section 75. Tricked into a bank transfer? Use the new APP reimbursement rules. Picking the right route is half the battle — here’s which applies and how to claim each.
Last reviewed: 25 June 2026 · UK
“How do I get my money back?” depends entirely on how you paid. Get the route right and you’ll claim far faster.
Card payment → chargeback or Section 75
If you paid by card, your bank may be able to reverse the payment via chargeback, and for credit-card purchases over £100 you may have a Section 75 claim against the card provider. See our chargeback and Section 75 guide for how to claim.
Bank transfer → APP reimbursement
If you were tricked into making a bank transfer (Faster Payments/CHAPS) on or after 7 October 2024, you claim under the mandatory APP reimbursement rules — your bank must usually refund you within 5 business days, up to £85,000. (For gas and electricity disputes, see the Energy Ombudsman guide.)
Not sure which?
Whichever route fits, the claim is free and a claims company isn’t needed. Report it to your bank and Action Fraud first — then let Chris draft the right claim for the way you paid.
Official sources
- Action Fraud — Report fraud and cybercrime
- Financial Ombudsman — Make a complaint
- Citizens Advice — Scams
- FCA — ScamSmart
Your bank must refund authorised-scam losses — for free.
But how you word the claim matters. Chris drafts your reimbursement claim — and the Ombudsman complaint if the bank refuses. You keep 100%.
Contains public sector information licensed under the Open Government Licence v3.0.
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