APP scam reimbursement claim
============================

[Your name]
[Your address]
[Postcode]
[Date]

[Your bank — fraud team]
[Address]

By email: [fraud claims email] | Phone: [logged on date/time]

Authorised Push Payment (APP) scam — reimbursement claim under PSR rules

Dear Sir/Madam,

Account holder: [your full name]
Sort code / account number: [sort code] / [account number]
Payment(s) in dispute:
  - [Date] — [amount] — Faster Payment / CHAPS — to [beneficiary name] at
    [beneficiary bank]
  - [Add further lines as needed]

I am making a claim for reimbursement of the above payment(s) under the
Payment Systems Regulator's mandatory APP scam reimbursement rules, which
apply to Faster Payments and CHAPS payments made on or after 7 October 2024.

What happened (factual narrative):
[Describe in detail: how you were contacted, what you were told, why you believed
the request was legitimate, dates and times, any phone numbers or websites used
by the scammer, any third-party impersonation involved. Attach copies of any
messages, emails or screenshots.]

I have reported this matter to Action Fraud / Police Scotland on [date]; the
crime reference number is [reference].

I confirm that:
 - I did not knowingly transfer money to a fraudster.
 - I cooperated with you and the receiving firm in providing information.
 - [If applicable] I am a vulnerable customer because [briefly explain — health,
   age, recent bereavement, language, technology unfamiliarity, etc.] and so the
   consumer-standard-of-caution exception does not apply.

Please confirm receipt within one business day and provide a substantive
decision within five business days of receipt (or up to 35 business days if a
further investigation is required). If the decision is to reject the claim,
please issue a final response so I may refer the matter to the Financial
Ombudsman Service.

Yours faithfully,

[Your signature]
[Your printed name]


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Downloaded from https://moneyguide.org.uk/templates/
Information only — not legal or financial advice.