Romance & long-con recovery
The hardest cases to talk about and, statistically, the most common kind of loss we are asked to help with. We approach them quietly. The intake call is not a sales pitch and the consultants who run it have heard variations of your story many times before.
Authorised Push Payment fraud — the bank's name for what happened to you.
You sent the money yourself. You believed at the time that the person on the other end was real, and that the investment, the emergency or the relationship was real. The Payment Systems Regulator's mandatory reimbursement framework treats this category of loss separately, and it is the framing we use when we approach your bank.
Sending banks are now required to consider reimbursement under the PSR's 2024 framework. Banks reject weak claims and reimburse stronger ones. The difference is almost always documentation — and that is the work we do.
What we will ask for, and what we will not
What we ask for: the full timeline (dates of first contact, dates of transfers, dates of the request that finally felt wrong), bank statements covering the transfers, any chat or email history that survives, and the receiving account details where known.
What we don't ask for: we don't ask you to relive the relationship. We don't make you re-read messages aloud. We don't judge how the contact began. The intake call is structured around the financial facts and we leave the rest where it belongs.
Typical recovery routes
- APP-fraud claim against the sending bank under the PSR reimbursement framework
- Escalation to the Financial Ombudsman Service if the bank's first response is unsatisfactory
- SWIFT recall request through the originating bank where wires were involved
- Action Fraud submission with a clean evidence pack so the case is properly recorded
- Where the receiving end can be identified, cross-border bank-to-bank complaint via the local financial intelligence unit
Ready to make the call?
If it helps, write down the timeline first and bring it to the call. The intake interview goes faster — and feels easier — when the facts are on the page in front of you.