If you’ve been the victim of credit or debit card fraud, acting quickly is essential. Read our guides to find out what you should do in the event of card fraud and how to contact the Financial Ombudsman Service if you need to.
Answers to your problems
I think I may have given a fraudster my bank details
The aim of many scams is to access your bank details. Fraudsters do this in many ways, depending on the scam. Read here what to do if you've been scammed.
My card has been lost or stolen and used to purchase goods
It can be distressing if your credit or debit card is stolen has been used to purchase goods. You have rights to get your money back but you must act promptly.
There's a transaction on my credit card I know nothing about
If an unauthorised transaction has taken place on your credit card, you can challenge it and get your money back.
Step by step guides
How to complain about unauthorised transactions on your card
If there has been an unauthorised transaction on your card and your provider refuses to refund your money, follow our step-by-step guide to get your money back
How to complain if your card is stolen and you're refused a refund
If your card has been lost or stolen and your card provider claims you've been negligent, follow our step-by-step guide to get your money back.
Letter to ask a bank for repayment of a disputed transaction
Your card provider may have a set process for submitting a claim for a refund of a disputed transaction. If not then use the Which? template letter.
Letter to card provider to ask for a refund if your card is stolen
If your card has been lost or stolen and your card provider is refusing to refund the money that has been taken, use this letter to help get your money back.
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Fraud is now at record levels, with more than five million scams costing Brits a mind-boggling £9bn each year. We’re urging the government to take the lead and ensure companies safeguard us all from scams.