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Our guides provide information and advice on your consumer rights to help you navigate those everyday frustrations.

From shopping and delivery problems to reclaiming PPI and flight delay compensation.

Your next steps will depend on how you were parted from your cash.

With more than 60 years experience fighting scams and protecting consumers this free service from Which is available for everyone.

Banks, building societies and other payment services providers who are signed up will have to put more measures in place to protect customers from bank transfer fraud.

If youre a victim of bank transfer fraud and either the bank you sent money from or the bank which received the money has not lived up to these standards, you should be reimbursed after the scheme goes live.

I Paid Cleaner Can I Get My Money Back Code To Rule

Until then, you should still complain to your bank and if youre unsuccessful, escalate it to the Financial Ombudsman Service which is already using the code to rule on cases.

You can read more about what the scheme means for you and banks in our story about the code.

I paid using a credit card If youve paid for goods or services with a credit or debit card, you have greater protection if things go wrong under section 75 of the Consumer Credit Act or by using chargeback.

But whether you can make a claim or not depends on the type of scam you have fallen for.

An example of a scam where you could use section 75 of the Consumer Credit Act or chargeback would be a scam where you paid for goods or services and it turns out these were either never available or the seller has disappeared.

Credit cards have the greatest protection, as you can make a claim against your card provider under section 75.

Under section 75, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the company.

For section 75 to apply the item or service you bought must have cost more than 100 and not more than 30,000.

I paid using a debit card If you used a debit card, you may be able to ask your bank to get your money back through the chargeback scheme.

It applies to all debit card transactions including goods costing less than 100, although exact rules may vary between the American Express, Maestro and Visa networks.

But, there are no guarantees your bank will be able to recover the money through chargeback.

Chargeback also applies to credit card transactions but will be particularly useful where goods cost less than 100 and so section 75 doesnt apply.

If you want to use chargeback to get your money back after a scam, this letter template could help.

I used a bank transfer If youve been caught out by a complex and convincing scam which has resulted in you transferring your money into another bank account than you should contact your bank immediately.

The bank can try and recover the funds once they are notified.

There are steps you should follow and key details you need to know.

We also have a letter template to write a formal letter of complaint to your bank about a bank transfer (APP) scam.

I paid using PayPal Order not delivered If the scammer has taken payment for an item through PayPal and then hasnt sent, you should be covered by PayPal Buyer Protection.

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