The Process
How the
process works
We could help you get your money back in just 3 simple stages. Scroll down to see each step.
The Investigation
Our fraud investigators will assess your case to see if we can help. We'll let you know honestly whether we can take your case forward — completely free of charge.
We review your bank statements, correspondence, and all evidence to build a comprehensive picture of what happened.
The Bank
Refund United will prepare your individual case and submit a bespoke report to the bank in order to receive their formal response. We handle all communications so you don't have to.
We know exactly what banks look for and how to frame your case for the best possible outcome.
The Financial Ombudsman Service
If needed, Refund United submits a bespoke report and works with the FOS Investigators on your behalf. If you are unsuccessful, you won't have to pay a penny.
Our former FOS adjudicators know exactly how the process works — giving your case the best possible chance of success.
If successful, you receive the money back into your account!
We then arrange our invoice. Of course, we keep you updated throughout so that you know what's happening. We handle everything to keep it as easy for you as possible.
If unsuccessful, you won't pay a penny.
How long does it take?
If we're able to settle your case with your bank, we could get your money back within 15 days. If the bank refuses to refund you, we'll need to take your complaint to the Financial Ombudsman Service. Timelines can then vary from a few weeks to several months.
The process may vary
This can depend on whether you've complained to your bank already, or if your bank agrees to refund all the money you lost without needing to go to the Financial Ombudsman. Your case will be resolved much quicker if we don't need to involve FOS.
Be Prepared
What information do we need to assess your claim?
Important: A successful claim usually depends on showing both how the scam occurred and whether the bank or payment provider could reasonably have done more to prevent the loss.
You do not need to have everything before contacting us. We can guide you on what may be relevant to your specific case. Many clients come to us with only partial evidence — our job is to help you build the strongest possible claim.
Fee Calculator
How much could you recover?
Enter the amount you lost to fraud and we'll show you our success fee and what you'd take home.
£1.5k – £10k
28%
£10k – £25k
25%
£25k – £50k
20%
£50k+
15%
