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, under the new PSR regulations.
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
Below is a letter template for you to use if you are applicable to the terms. It is a PDF:
(1) is for your personal request to your bank for reimbursement
(2) If you need help putting a case together, please let me know.
Victim letter template for reimbursement (1)
Which laws are applicable to Romance Fraud?