Financial scam loss recovery claims
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What are the most common types of fraud?
There are many different types of fraud, and they’re becoming more sophisticated each year. Here are some of the most common scam types we can help with:
1. Authorised Push Payment (APP) fraud
APP scams are when you’re misled into transferring money to a scammer, thinking you’re paying a legitimate person or organisation. This could be during a house purchase, settling a business invoice, or reacting to a fake alert from your “bank”.
2. Impersonation scams
Impersonation scams happen when fraudsters pretend to be from trusted institutions (e.g., your bank, HMRC, the police, etc.). These scams usually lead to sending money directly to the scammer’s account.
3. Investment & forex scams
With an investment and forex scam, fraudsters pretend to be professional brokers or investment companies, promising high returns through the forex (foreign exchange market), stocks, or other opportunities.
4. Romance scams
Romance scams start on dating apps, social media, or messaging platforms. Scammers build fake emotional connections to gain trust before inventing a crisis (e.g., a medical emergency or travel issue) and asking for money.
NOTE: We offer a civil recovery process, not a criminal investigation or legal defence. We’re here to help people get their money back, not represent anyone legally.
What to do if you’ve been scammed, and how to recover your money
If you’ve been scammed, acting fast gives you the best chance of recovering your money. Here are the 5 most important steps to take:
- Contact your bank – Let your bank or card provider know what’s happened. Ask them to freeze your account (if needed), trace the transaction, or reverse the payment.
- Gather and save all evidence – Keep any emails, texts, screenshots, receipts, or messages linked to the scam. This will help your bank investigate the claim and can also support any future complaints or reports.
- Report the scam to Action Fraud – Reporting the scam to Action Fraud helps authorities track and shut down fraudsters. It also increases awareness, helping prevent others from falling victim to similar scams.
- Avoid sending more money – Be cautious of companies or individuals offering to recover your funds for a fee – many of these are ‘recovery scams’. Legitimate help should not ask for upfront payment.
- Escalate to the Financial Ombudsman if needed – If your bank refuses to refund your money and you believe the decision is unfair, you can take your case to the Financial Ombudsman Service. They’ll review your complaint and decide whether the bank should pay you back.
Tip: The key to getting your money back after being scammed is speed and documentation. The more evidence you provide and the quicker you act, the stronger your case will be.
Our expert recovery services are here to help
Many scam victims find the process time-consuming, confusing, or unfair, especially when banks refuse to cooperate. That’s where professional recovery support can make all the difference. At Spencer Churchill Claims Advice, we help people reclaim their money by:
- Assigning a dedicated funds recovery expert to your case
- Using legal authority to escalate complaints when banks delay or deny
- Building strong, evidence-backed claims that get better results
We take the stress off your shoulders and give your case the best possible shot at success. Give us a call today to get started.
Who can make a scam recovery claim?
To be eligible for a scam recovery claim, you must have lost money to a financial scam. You may qualify if:
- You’re the victim of a financial scam, like an APP, investment, or impersonation scam.
- You authorised the payment yourself (most common in APP scams)
- Your bank or the police have refused to help or have said there’s nothing more they can do.
- Your total loss is £3,000 or more
Why choose Spencer Churchill for scam recovery?
We help scam victims across the UK recover lost money quickly, safely, and with expert support.
No win, no fee
Pay nothing upfront for our help – only after we successfully recover your funds.
Experienced with complex cases
We know how to handle even the trickiest scam cases, helping you build a solid claim.
Supportive and transparent
You’ll get straightforward advice, regular updates, and no judgement – just the help you need.
How much compensation could I claim back from a scam?
The amount you can claim back from a scam depends on a few things:
- The type of scam
- How much was lost
- How quickly you acted
- What evidence you have
In some cases, it’s possible to recover the full amount. In others, you might get back a portion of your lost money; you may even be able to claim for emotional distress.
Don’t just take our word for it; join 100s of others who’ve used Spencer Churchill.
Ready to explore your options?
If you’ve lost money to a financial scam, you may be able to claim some or all of it back. Starting a claim doesn’t commit you to anything – we’ll review your case and explain what recovery might look like. With no upfront costs to pay, it’s a simple first step toward finding out what you could be entitled to.
How does our claims process work?
It’s worth finding out if you can get your money back. Here’s how our simple process works:
FAQs
Have you been scammed online or tricked into sending money? Here are the answers to some of the most common questions from people in a similar situation.
Can I recover the money if I authorised the payment?
Yes, you can recover the money even if you authorised the payment – especially if you were misled or pressured.
How long does a scam recovery claim take?
Most claims take a few weeks to a few months. Timelines vary depending on your case and how the bank responds.
Will I need to go to court for a scam claim?
In most cases, you will not need to go to court for a scam claim, as we work to resolve claims directly with the bank.
Can you help me if my bank refused to refund me?
Yes, we can help even if the bank refused you. In fact, we often successfully take on rejected claims.
Can I recover money lost in a cryptocurrency scam?
Yes, in many cases, it’s possible to recover funds lost to a cryptocurrency scam – especially if you acted quickly, kept records of your transactions, or were misled into sending payments. Even if you authorised the transfer yourself, as is common in Authorised Push Payment (APP) scams, you may still be eligible to make a claim.
How long do I have to make a claim?
Deadlines depend on the type of scam you’re involved in, but under the Payment Services Regulations, you have up to 13 months from the date of the transaction to notify your bank. The sooner you report, the better your chances of recovering your money. Once reported, banks are typically required to respond within 35 business days.
Is it possible to get money back after being scammed?
Yes, in many cases, it is. Depending on the type of scam, how you paid, and how quickly you act, it may be possible to recover some or all of your lost funds. Our scam recovery team helps UK victims get what’s rightfully theirs – especially in cases where banks haven’t helped.
Can you claim money back if you have been scammed?
You can claim if you’re the victim of a financial scam – including investment fraud, impersonation scams, or APP fraud. Even if your bank or the police couldn’t recover the funds, you may still have options through Spencer Churchill Claims Advice.
How do I recover money from an investment scam?
If you’ve lost money to an investment scam, report it to your bank and gather as much evidence as possible (emails, payment records, messages). Our professional funds recovery service will then review your case and help build a claim.
What if I got scammed and my bank won’t refund me?
This happens often – many people are told by their bank that their case doesn’t qualify for a refund. That’s where we step in. We specialise in helping people recover their money through a civil claim, using legal authority and expert support to escalate your case.
How to get lost money back?
If you want to get your money back, act quickly. Contact your bank, report the scam to Action Fraud, and don’t send any more money to the recipient. Then, speak to a scam recovery expert like Spencer Churchill to understand your options. With the right support, you may still get your money back.
What to do if a scammer steals your money?
Start by freezing any further transactions with your bank. Report the scam, gather all evidence, and avoid speaking to “recovery agents” asking for upfront payments. Our scam recovery team can review your case and help you take the right steps towards making a claim.
How do I recover my money from a scammer?
The recovery process starts with evidence – messages, emails, receipts, and a full timeline of what happened. If your bank won’t help, our scam recovery team may be able to step in – no win, no fee.
Start your financial scam recovery claim today
Ready to take the next step? We’re here with clear, no-pressure advice. Give us a call today to find out if you have a valid claim
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