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Reporting scams

It's not always easy to tell the difference between a scam and a dubious offer. We explain what defines a scam.

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.

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.

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).

Losing money to a scam can be extremely upsetting and frustrating. See if there's anything you can do to get the money back.

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.

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.

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.

The code of best practice on ‘misdirected payments’ outlines how your bank should act if you’ve transferred money to the wrong bank account.

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

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.

Use our free letter template to complain to your bank about APP fraud

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.