Card disputes
Unauthorised Card Transactions
Payments you did not make and did not approve. The law puts the burden on your bank to prove otherwise, and most people do…
How this claim works
What we claim for
Every route we can take to get your money back
Card disputes, scam reimbursement, crypto losses, professional negligence and commercial disputes. Each has its own deadline and its own evidence, and more than one often applies to the same payment. Every page below also explains how to run the claim yourself for nothing.
Card disputes
5 claim types
Card disputes
Goods Not Received
You paid, the order never arrived, and the seller has stopped replying. Your card provider can reverse the payment.
How this claim works
Card disputes
Faulty or Misdescribed Goods
What arrived is not what was advertised, or it broke almost immediately, and the seller will not put it right.
How this claim works
Card disputes
Services Not Provided
Work paid for and never done, or done so badly it has to be redone. Builders, installers, courses, memberships and professional services.
How this claim works
Card disputes
Duplicate and Incorrect Charges
Charged twice, charged the wrong amount, or charged in the wrong currency at a rate you never agreed.
How this claim works
Recurring payments
2 claim types
Recurring payments
Subscription Traps and Recurring Payments
Free trials that quietly became paid plans, cancellations the company says it never received, and payments that keep coming after you cancelled.
How this claim works
Recurring payments
Gym, Telecoms and Rolling Contracts
Minimum terms that auto-renewed, cancellations that were never actioned, and exit fees for a service that stopped working.
How this claim works
Consumer credit
2 claim types
Consumer credit
Section 75 Claims
On credit card purchases between $100 and $30,000, your card provider is equally liable with the retailer. That is statute, not a scheme rule.
How this claim works
Consumer credit
Retailer or Provider Insolvency
The company you paid has gone into administration. Joining the creditors' queue is rarely your best option, and often not your only one.
How this claim works
Payment fraud
1 claim type
Payment fraud
APP Fraud Reimbursement
You were tricked into transferring money to a criminal. Since October 2024, most victims of authorised push payment fraud must be reimbursed.
How this claim works
Travel
2 claim types
Travel
Cancelled Flights and Holidays
Flights cancelled, holidays that did not happen, and providers that offered a voucher when you were entitled to cash.
How this claim works
Travel
Tickets and Cancelled Events
Events cancelled or rescheduled, tickets that never arrived, and resale platforms that will not refund.
How this claim works
Fraud and scams
2 claim types
Fraud and scams
Romance Scam Recovery
Money sent to someone you believed you were in a relationship with. These are authorised push payment claims, and the reimbursement rules cover them.
How this claim works
Fraud and scams
Cryptocurrency and Digital Asset Losses
Money lost to a fake trading platform, a cloned exchange or a wallet you were talked into funding. The card leg and the bank…
How this claim works
Advice and negligence
2 claim types
Advice and negligence
Professional Negligence Claims
Money lost because a regulated adviser, broker or firm got it wrong. Where the firm is FCA-regulated, there is a free complaints route that…
How this claim works
Advice and negligence
Commercial and Business Disputes
Money owed to a small business by a supplier, a customer or a provider that did not deliver. We handle the payment-route claims and…
How this claim works
Not sure which one applies?
Most people try the wrong route first.
Which route applies depends on how you paid, who you paid, when you paid and what you were told at the time. A debit card purchase and a credit card purchase of the same thing are two different claims with two different deadlines. Tell us the facts and we will tell you which one fits, and whether you should simply ring your bank instead.
Check my claim, freeThe order to work through it in
-
Work out your deadline
Chargeback windows are usually 120 days, Section 75 runs for six years, and the clock often starts later than people assume. Nothing else matters if you are out of time.
-
Establish how you paid
Credit card over $100 opens Section 75. Debit card opens chargeback. A bank transfer points to APP reimbursement instead. The payment method decides the route.
-
Gather the paperwork first
Order confirmations, adverts and listings as they appeared, and every message from the seller. Most claims are decided on this rather than on argument.
-
Claim free, then escalate
Ask your bank directly. If it refuses, that refusal is what unlocks the Financial Ombudsman, which is also free, and where a great many declined claims are overturned.