Online Shopping
Orders that never arrived, items nothing like the listing, and marketplace sellers who vanish the moment you complain.
120 days Usual window from the delivery due date
What goes wrong here
FCA-authorised · Est. 2016
Get your money back.
Money taken by card, lost to a scam, or paid to a business that never delivered. We get it back, or tell you how to do it yourself, free.
- Free deadline check
- One named case handler
- You can always claim free yourself
Payment Services Regulations 2017
Consumer Credit Act 1974, s.75
Consumer Rights Act 2015
Visa Core Rules
Mastercard Chargeback Guide
American Express Disputes
APP reimbursement rules
FCA CONC
FCA DISP
Financial Ombudsman Service
Consumer Contracts Regulations 2013
ATOL and UK261
Limitation Act 1980
ICO / UK GDPR
Personal Chargeback in numbers
$4.2m
Recovered for clients since 2016
12
Types of claim we handle
6 yrs
Longest claim window we work to
68%
Of enquiries we tell to claim free themselves
What we claim for
All claim types
Money leaves a trail. That trail is where recovery starts.
Card disputes, scam and fraud reimbursement, crypto losses, professional negligence and commercial disputes. Each has its own route, its own deadline and its own evidence, and we will tell you which one your case actually falls under.
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01
Unauthorised Card Transactions
Payments you did not make and did not approve. The law puts the…
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02
Goods Not Received
You paid, the order never arrived, and the seller has stopped replying. Your…
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03
Subscription Traps and Recurring Payments
Free trials that quietly became paid plans, cancellations the company says it never…
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04
Section 75 Claims
On credit card purchases between $100 and $30,000, your card provider is equally…
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05
APP Fraud Reimbursement
You were tricked into transferring money to a criminal. Since October 2024, most…
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06
Romance Scam Recovery
Money sent to someone you believed you were in a relationship with. These…
Why Personal Chargeback
Most people believe the money is gone. Usually it is not.
Six commitments that shape how every claim is run, including the one most claims companies will not make: telling you when you should go and do this yourself for free.
We tell you when you do not need us
Roughly two thirds of the people who contact us are sent away with instructions to claim free through their own bank. That advice costs nothing and we do not follow it up with a sales call.
You are told the odds honestly
At the assessment we give you a straight view of whether the claim is likely to succeed, what the bank will probably argue, and where the weak points are. An optimistic answer helps nobody.
One named case handler
You get a person, not a queue. The handler who assesses your claim is the one who writes the complaint and takes it to the Ombudsman if it comes to that.
We argue the rules, not the sentiment
Claims turn on specific provisions. Regulation 76, Section 75, a scheme reason code. We cite the one that applies and set out precisely where the bank's reasoning fails.
Deadlines checked before anything else
Card windows are short and widely misunderstood, and the clock often starts later than people assume. We check the dates first, because that is what most often decides whether a claim is possible at all.
Never an unsolicited call
We do not cold-call, and we do not buy lists. Anyone who telephones out of the blue offering to recover money you have lost is almost certainly running a second scam on you.
How it works
How a claim runs
The same six stages apply whether you are reclaiming $80 from a retailer that never shipped or six figures lost to an investment scam. The difference is depth of evidence, not process.
What we need from you-
Free assessment
Tell us what happened, what you paid and what your bank has said so far. We tell you honestly whether there is a claim, roughly what it is worth, and whether you would be better off going direct to your bank for nothing.
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Route and deadline check
Chargeback, Section 75 and APP reimbursement have different windows, different evidence and different odds. We work out which route applies to your payment, and whether more than one runs in parallel.
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Evidence gathering
Statements, order confirmations, listings before the seller edited them, and the exact wording of what you were promised. Most claims are decided on the paperwork rather than the argument.
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Formal representation
We put the claim to your bank or card provider in writing, citing the regulation or scheme rule it turns on, and hold them to the eight-week complaint window.
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Escalation to the Ombudsman
If the answer is still no, we refer the case to the Financial Ombudsman Service with a full submission. That referral is free to you, and we prepare the paperwork.
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Money back to you
Redress is paid directly to you by the bank, with 8% simple interest claimed for the period you were without it.
Where it happened
All situations
The setting changes the claim
A marketplace seller, an airline, a builder holding your deposit and a bank that let a transfer through are four different problems. The evidence that wins each one is different too.
Travel and Holidays
Cancelled flights, collapsed operators, vouchers offered instead of refunds, and accommodation that bore no resemblance to the photographs.
Travel date When the chargeback clock usually starts
What goes wrong here
Home Improvements and Tradespeople
Deposits for kitchens, bathrooms, windows and driveways where the work never started, stopped halfway, or was done badly.
Whole contract Potential Section 75 exposure from a deposit
What goes wrong here
Banking and Payments
Card fraud, scams that tricked you into transferring money, and banks that refused to reimburse when the rules say they should.
Since Oct 2024 Reimbursement is the default for APP scams
What goes wrong here
Subscriptions and Memberships
Free trials that converted quietly, gym contracts that auto-renewed, and payments that carried on long after you cancelled.
Your bank Can stop the payments without the merchant
What goes wrong here
Events and Tickets
Cancelled and rescheduled events, invalid tickets from resale platforms, and booking fees withheld from refunds.
Event date When the chargeback clock starts
What goes wrong here
Vehicles and Motoring
Cars misdescribed at sale, deposits on vehicles never delivered, and repairs paid for that did not fix the fault.
$100+ Card deposit needed for Section 75 on the whole price
What goes wrong here
Utilities and Telecoms
Bills for services never supplied, out-of-contract tariffs after no notification, and exit fees for connections that never worked.
Free ADR Sector schemes cost you nothing
What goes wrong here
Coverage
The routes, losses and rules we work with every week
If your situation falls outside this, we will say so at the assessment and point you somewhere that can help, rather than learning at your expense.
Case outcomes
All case outcomes
What recovery looks like in practice
Anonymised accounts of real claims, what happened, which route we used, what the bank said first, and what was recovered in the end. No client is identified.
Home Improvements
14 weeks
$6,200 kitchen deposit recovered from a $200 card payment
The installer took a deposit, missed three start dates, then dissolved the company. The provider initially refused because only $200 of the $6,200 had gone on the credit card, which…
- Total recovered
- $6,980 Total recovered
- Card payment that triggered liability
- $200 Card payment that triggered liability
- To reverse the initial refusal
- 11 days To reverse the initial refusal
Read the engagement
Banking and Payments
27 weeks
$19,400 reimbursed after a bank blamed the customer for an impersonation scam
The bank refused reimbursement for gross negligence. It had not identified that the customer was recently bereaved, had not asked, and its warning did not address the scam that actually…
- Total recovered including interest
- $22,330 Total recovered including interest
- Refusals overturned
- 2 Refusals overturned
- From referral to settlement
- 19 weeks From referral to settlement
Read the engagement
Subscriptions
5 weeks
$1,730 recovered from a subscription cancelled three years earlier
He cancelled in the app and received no confirmation. Payments continued for thirty-eight months. The bank's own record of a phone call turned out to be stronger evidence than anything…
- Recovered including interest
- $1,730 Recovered including interest
- Payments had been running
- 38 months Payments had been running
- To resolution
- 5 weeks To resolution
Read the engagement
Client feedback
In their words
Clients are described by circumstance rather than named, and amounts are rounded. Every quotation is used with written permission, and nothing here should be read as a prediction of what your own claim is worth.
Guides
All guides
Free guidance for running your own claim
Written by the case handlers who run these claims every day, including the letters and checklists you would need to do it without us. No sales pitches.
Chargeback explained: what it is, what it covers, and how to ask for one
Chargeback is a card scheme rule that lets your bank reverse a payment and recover it from the retailer's bank. It works on debit…
CR
Callum Reid
Section 75: the $100 rule that almost everyone gets wrong
Section 75 makes your credit card provider jointly liable with the retailer. You only need to have paid part of the price on the…
CR
Callum Reid
Spotting a recovery scam: eleven things a genuine firm will never do
Fraudsters revisit their victims, often within weeks, posing as recovery firms, banks or police. Here is what a legitimate claims company will never do,…
PC
Personal Chargeback