Quick summary: A clear rejected APP fraud refund file explains what happened before each payment and why the bank decision may be incomplete, unclear or unfair.
Read the refusal letter closely
Look for the bank’s reason for refusing or reducing reimbursement. Useful points include whether the bank relied on warnings, customer conduct, vulnerability, repeated payments, timing or alleged gross negligence.
Rebuild the payment timeline
List every payment, amount, payee, account detail, warning shown and what the scammer said at that stage. This helps compare the bank decision with the actual sequence of events.
Keep evidence of pressure and trust-building
Scam messages, fake websites, investment dashboards, romance messages, impersonation calls and urgent payment requests can explain why the payments appeared genuine at the time.
Useful evidence checklist
- Bank refusal or final response letter
- Statements showing the scam payments
- Online banking warnings, screenshots or notes
- Messages, emails, adverts, social media profiles and phone logs
- Action Fraud, police or platform report references
- Any vulnerability, pressure, health, age or isolation evidence if relevant
What Quaerens can do
Quaerens can organise the evidence, identify gaps and prepare a clear assessment report. Where legal or regulated claims work is needed, suitable matters may be referred to authorised partners.