Unauthorised Frauds
What are they?
We can help when you’ve been charged for a payment you did not consent to or intend to make. This is referred to as ‘unauthorised fraud’. This is usually when your card is used without your permission or somebody steals your phone and uses it to send money. It can also often be when someone has tricked you into making a payment that you didn’t want to make.
If you consented to a transaction that turns out to be fraud, this is different and is treated as an Authorised Push Payment (APP) fraud.
What are some examples of unauthorised transactions?
There are many ways in which fraudsters can make transactions without your consent. We recently talked about this very issue on the BBC’s Watchdog segment of the One Show. Here are some examples; but there are many, many clever ways that fraudsters find loopholes in the bank’s systems.
What protection do you have if an unauthorised payment is made on your account?
Put simply, banks are supposed to refund people by the end of the next business day unless they can show that the customer has been grossly negligent, is acting fraudulently or authorised the payments. The burden of proof is on the bank and not the customer to do this, but, you need to cooperate fully with the bank’s investigation.
Gross negligence is a high bar for the bank to prove and it has to be really negligent such as writing your PIN on a piece of paper and leaving it in your wallet next to your bank card. RRFCorp has seen many examples of banks incorrectly applying the gross negligence standard to people who were not at fault for what happened. Likewise, we unfortunately frequently see banks accusing customers of lying about the chain of events.
Authorised or not, you should report any fraud to your bank first. If they don’t refund you, RRFCorp can help you get your money back from your bank and you can fill in our fraud refund claim form for a free consultation. Check out our fair and simple fees page for more information about how we charge.
Remember you don’t need to use a company like RRFCorp, you could work your case yourself for free! If you’d like to get a refund yourself, you can do this by following our bank transfer refund guide.
Faq
Frequently Asked Questions
You don’t have to. In fact, we let you know on our website how to get your money back yourself which will mean every penny you get back is yours. We're here for the people who don’t have the time to claim themselves, or for people who want our expertise. We're made up of former financial services professionals who've worked at banks, regulators and the Financial Ombudsman Service so we know the process and your rights inside out.
Unfortunately this varies widely depending on your case and whether your bank agrees to refund you or if we have to take the case further. Sometimes it can be extremely quick, with many customers receiving an outcome within 15 days of our complaint (the time your bank has to respond). However, if your bank rejects your complaint and we have to take it to the Financial Ombudsman Service it can take as long as a few years (in extreme cases) for FOS to deal with your case. We'll keep you updated along the way.
In most situations, yes, we are still likely able to help, even if your bank has rejected you. There are strict timeframes with this, so please get in touch as soon as possible if you’ve already had a rejection.
If your bank contacts you directly with an offer let us know as soon as possible so that we can check that the amount is correct. We'll speak to your bank to confirm whether the offer is appropriate. Our fee becomes payable once your bank agrees to refund you.
At Refunds Recovery Financials Inc, we understand the huge impact that losing money to fraud can have on victims. It’s important that you are supported by an ethical company that charges fair fees, operates transparently, and supports you throughout the process.
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