Unauthorised Scams
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) scam. What are some examples of unauthorised transactions?There are many ways in which fraudsters can make transactions without your consent.
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) scam. What are some examples of unauthorised transactions?There are many ways in which fraudsters can make transactions without your consent.
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. RepayLTD 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.
What if you’ve been a victim of fraud?
Authorised or not, you should report any fraud to your bank first. If they don’t refund you, RepayLTD can help you get your money back from your bank and you can fill in our fraud refund claim form for a free consultation.