It’s not always clear who you should report a scam to or how to get your money back if you've been scammed. Our guides tell you how to report scams and get your money back.
Answers to your problems
Is it a scam or a rip-off?
It's not always easy to tell the difference between a scam and a dubious offer. We explain what defines a scam.
What is identity theft?
If you think your identity has been stolen, you should contact your bank or credit card company and police as soon as possible to let them know the situation.
What to do if you’re the victim of a bank transfer (APP) scam
Bank transfer (APP) scams happen when someone transfers money to a bank account belonging to a criminal from their own bank account. We explain what to do if you’re victim to this scam.
I've been defrauded from a standing order or direct debit
If you've been defrauded from a false direct debit or a standing order that's gone astray you should get a refund. Read the Which? guide on how to do so.
Where do I go if I have a bank complaint?
If you're unhappy with how a bank has treated you, find out how to complain to your bank and when to take your complaint to the Financial Ombudsman Service (FOS).
Step by step guides
How to get your money back after a scam
Losing money to a scam can be extremely upsetting and frustrating. See if there's anything you can do to get the money back.
How to report a scam
If you spot a scam, it’s not always clear who you should report it to, and it depends on whether it’s an email scam, telephone scam or another type of fraud.
How to spot a scam
It can be difficult to spot a scam and fraudsters can be very cunning, but we have identified seven ways to spot a scam to help you stay alert.
How do I get money back that I’ve sent to the wrong bank account?
The code of best practice on ‘misdirected payments’ outlines how your bank should act if you’ve transferred money to the wrong bank account.
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 complain to your bank about APP fraud
Use our free letter template to complain to your bank about APP fraud
Letter to complain to your bank about APP fraud under Code
Use our free letter template to complain to your bank about if it is signed up to the Authorised Push Payment Scam Code.
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.
Join our campaign
& help us reach 500,000 signatures
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.