Bank Refunds
HSBC Refunds
Recovering scam losses paid from HSBC UK, First Direct and M&S Bank accounts.
HSBC is a signatory to the CRM and is covered by the PSR mandatory reimbursement regime. That means HSBC must, in most APP fraud cases, refund customers — but the bank often relies on the customer-standards exception to refuse. We know how to challenge that.
Scams we handle
Common HSBC scam types
- HSBC investment and crypto scams
- HSBC safe-account scams
- HSBC romance scams
- HSBC invoice interception scams
Our process
How we recover your money
- 1We review HSBC statements, warnings shown and Confirmation of Payee results
- 2We submit a written complaint to HSBC Fraud Complaints
- 3HSBC has up to eight weeks for a final response
- 4Refusals are escalated to the Financial Ombudsman Service
Frequently asked
Common questions
Does this cover First Direct and M&S Bank?+
Yes. First Direct and M&S Bank are part of the HSBC UK group and follow the same complaints process.
How long does an HSBC case take?+
Typically eight weeks with HSBC and, if it goes to the Ombudsman, another three to nine months.
Ready to start a claim?
Tell us about the payment and we’ll come back with an honest, no-fee assessment.