Your bank or card provider has a responsibility to help recover any money you’ve lost to fraud.
In very few cases, this might not be possible, but you have a right to complain if you don’t think your case has been handled properly.
If your bank won't reimburse you for fraud, make a complaint in writing asking it to reconsider it's decision. Remind your bank that is has a duty to protect your money and should do everything it can to get back anything you've lost.
You can further support your argument depending on what happened.
This is called an authorised push payment (APP).
If the bank is refusing to refund you, you should complain and ask it why it's not honouring the code.
If you've provided evidence but the bank or payment platform won't give you your money back, you have a right to complain and escalate your case to the Financial Ombudsman (FOS).
If you paid using a payment platform like Paypal, you should be covered for fraud by their buyer protection policies. Ask them why it why it is not honouring its policies if it refuses to reimburse you.
This is called an 'unauthorised payment'.
Your bank should refund you for any money taken from your account and you can complain if it won't.
iI your bnak can show that you hadn't taken reasonable steps to protect the security of your card (i.e. your PIN or online security details) you could be liable for the first £35 of any loss you incur.
FOS investigators will weigh up the facts of your case and decide whether your bank or card provider has acted properly.
Your bank could be asked to reimburse you, and even pay compensation, if the FOS finds it hasn't followed the rules. It can take few months to get a response from the FOS.