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Impersonation Scam Claims

Check If You Can Recover Your Money

Impersonation scams often involve urgent calls, texts, or emails that appear to come from your bank or another trusted organisation. You may be told your money is at risk and asked to move it to a “safe” account.

If you’ve lost money in this way, it often comes down to what happened at the point the payment was made, including any warnings you received and how your bank responded at the time.

There may still be options to explore depending on the circumstances.

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Why Choose Compensation Adviser for Impersonation Scam Claims

When dealing with an impersonation scam, it’s not always clear what your next step should be. We can help you understand your position so you can decide how to move forward.

Your case is reviewed individually, taking into account how the scam happened, how the payment was made, and how the situation was handled. You’ll receive clear, straightforward guidance to help you understand your options.

Compensation Adviser is authorised and regulated by the Financial Conduct Authority (FRN 829766) for claims management activities.

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We operate on a strict no-win, no-fee basis. You’ll only pay our 15%+VAT success fee if your claim is successful. Cancellation fees may apply (see full fee details below).

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We review your case and explain what may be possible, based on your individual circumstances.

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How Impersonation Scams Work

These scams are becoming increasingly sophisticated. Fraudsters can make calls appear as if they are coming from your bank, send emails that look identical to official communications, or build fake websites that are almost impossible to distinguish from the real thing.

You might be told there has been suspicious activity on your account or that your money is at risk. In that moment, everything feels urgent and real. You are guided step-by-step to transfer funds or share sensitive details, all while believing you are protecting yourself.

This is known as authorised push payment fraud, and it is one of the fastest-growing types of financial fraud in the UK.

The impact can be immediate and stressful, but what matters now is what you do next. Understanding how the scam worked is the first step towards exploring whether your money could be recovered.

Common Types of Impersonation Scams

These scams often follow familiar patterns that are designed to build trust quickly.

Bank impersonation scams (fraud team calls or messages)

Fake government department requests for urgent payment

Investment or financial adviser scams offering “secure” transfers

Police impersonation scams alleging criminal activity

Utility provider scams threatening service disconnection

Delivery or courier scams requesting fees for missed packages

Learn more about scam and fraud claims

Warning Signs to Look Out For

Urgent or alarming language

Messages or calls that push you to act quickly without thinking

Requests for secrecy

You may be told not to speak to your bank or anyone else

Unexpected contact

Out-of-the-blue calls, texts, or emails claiming to be official

Payment instructions changing suddenly

Being asked to send money to a different or new account

Unusual verification requests

Requests for passwords, PINs, or full security details

Caller or email details that seem slightly off

Small differences in numbers, spelling, or email addresses

Find Out if you have an Impersonation scam claim

Can You Recover Money From Impersonation Scam?

If you’ve lost money to an impersonation scam, you may still have options to explore recovery, even if your bank has already declined your claim.

Many people assume that once a payment has been made, nothing more can be done. In some cases, that’s not the full picture.

In the UK, banks are expected to follow certain procedures when dealing with fraud, particularly in cases involving authorised push payment scams. Reimbursement rules introduced in 2024 are designed to improve protections for customers in some situations, depending on how the payment was made and what happened at the time.

If those procedures were not followed appropriately, or if warning signs were missed, there may be grounds to challenge the outcome.

In some cases, complaints can be referred to the Financial Ombudsman Service, which looks at whether the bank or provider acted fairly based on the circumstances.

What matters is not just that the payment was authorised, but how the situation was handled, including any warnings, checks, or intervention at the time.

By reviewing the timeline, communication, and actions taken, it may be possible to understand whether further steps can be taken.

Acting sooner rather than later can help ensure all available options are considered.

How Compensation Adviser Helps

Compensation Adviser is here to help you understand your options after an impersonation scam. You can start with a free, no-obligation assessment to see whether you may be able to make a complaint.

If you decide to move forward, we can support you through the process. This may include reviewing your case, helping organise evidence, assisting with communication to the bank where needed, and explaining what happens next.

Our aim is to make the process clearer and less stressful, so you can make informed decisions about what to do next.

Frequently Asked Questions

Can I get my money back from an impersonation scam?

It depends on the circumstances. A review can help determine whether there may be grounds to pursue a complaint or challenge a previous decision.

What if my bank has already refused a refund?

A refusal does not always mean the matter is closed. Some cases can be reviewed further depending on how the situation was handled.

What if I authorised the payment myself?

Many impersonation scams involve authorised payments. This does not automatically prevent a complaint from being considered.

Do I need proof of the scam?

Any evidence you have will help, but a review can still begin with basic information.

What happens next if I start a claim?

Your case will be assessed, and you will be guided through the next steps based on your situation.

Lost Money to an Impersonation Scam?

If you’ve been affected by an impersonation scam, there may still be steps you can take.

We offer a free, no-obligation review to help you understand your options and what could happen next.

Start your free review today

Important Information

You are not required to use our services to pursue your claim. You can also seek further advice or shop around subject to any time limits within which a claim must be made.

It is possible for you to present the claim for free, either to the bank, business or person against whom you wish to complain or to the Financial Ombudsman Service or the Financial Services Compensation Scheme, whichever is applicable to your claim.