UK Reporting

In the UK we report Fraud and Cyber Fraud to Action Fraud. You can find the link here.

This is the process:

We advise for you to also report to your local police IF this is an in person Romance Fraud, or someone you know or suspect is in this country.

If you need help completing any forms, please get in touch.

In the UK, we are fortunate that there are some protections in place, when criminals have tricked victims into believing that they are a real person and a money request is sent, either to an individual or organisation. The Contingent Reimbursement Model (CRM), is currently voluntary but becomes mandatory in October 2024.

The CRM Code sets out consumer protection standards to reduce Authorised Push Payment scams (APP scams), which occur when customers are tricked into authorising a payment to an account they believe belongs to a legitimate payee.

There are currently 10 firms signed up to the CRM Code, which covers 21 UK banking brands. These are:

  • Barclays Bank UK plc- Barclays
  • The Co-Operative Bank Plc- The Co-Operative Bank plc, Britannia and Smile
  • HSBC UK- HSBC, First Direct and M&S Bank
  • Lloyds Banking Group – Lloyds Bank, Halifax, Bank of Scotland and Intelligent Finance
  • Metro Bank
  • Nationwide Building Society
  • NatWest Bank plc- Royal Bank of Scotland, NatWest Bank and Ulster Bank
  • Santander UK- Santander, Cahoot and Cater Allen Limited
  • Starling Bank
  • Virgin Money UK

You can read more in detail about this here

We have created some template letters for you to use if you are applicable to the terms. There are 2 template PDF’s:

(1) is for your personal request to your bank for reimbursement

(2) is for your personal request to your bank for reimbursement with permission for us to help with communication if needed and we have created a case file for you.

  1. Victim personal letter template to banks for reimbursement
  2. Victim personal letter template to banks for reimbursement with permission to communicate with us. 2

Which laws are applicable to Romance Fraud?

Fraud legislation in the UK.
A person is guilty of fraud if he is in breach of any of the sections listed in subsection (2) (which provide for different ways of committing the offence)