Featured on BBC One’s Northern Justice & Morning Live


Bank Negligence Compensation

Chase Bank Transfer Scam Compensation:
Claim Refunds for Authorised Push Payment (APP) Fraud

Quick Guide

  • Banks and financial institutions in the UK have a responsibility to safeguard customers from the impact of scams, including APP fraud, on their accounts.
  • If you are a Chase customer and the bank has refused to reimburse you financially following an APP scam, TLW Solicitors may be able to help you claim compensation.
  • We work on a no-win, no-fee basis; you will only be charged if we successfully secure compensation from your bank. Our specialist advisers can review your case and help you make a refund claim.

Have you lost money to a Chase Bank transfer scam?

You may be eligible for compensation if Chase failed in its duty to safeguard you from bank transfer fraud.

Regrettably, we cannot assist if you transferred your money to the scam before July 2019.

Chase bank transfer and Authorised Push Payment (APP) scams

Bank transfer scams, also known as Authorised Push Payment (APP) fraud, are an increasingly common form of cybercrime in which criminals manipulate victims into transferring money directly from their bank account to the account of the fraudster.

This is done using ‘authorised push payments’ where the fraud victim ‘authorises’ the transaction directly with Chase, as they believe the transaction to be legitimate. Typical APP scams include:

  • Romance scams – where the fraudster poses as a potential romantic suitor in order to get close to the victim and convince them to send money, sometimes over the course of months.
  • Cryptocurrency scams – fraudsters promise financial ‘quick wins’ to persuade would-be investors to transfer money to build cryptocurrency portfolios.
  • Impersonation scams – where the scammer claims to be calling from a trusted organisation or company, such as the victim’s bank, building society or utility company or uses number spoofing to impersonate a family member or friend.
  • Investment scams – as people try to earn more money for later life, or to top up their pension pots, scammers use this information to target would-be investors with bogus schemes.
  • Conveyancing scams – also known as ‘Friday Fraud’ is where scammers intercept communications between house buyers and their solicitor to divert the significant funds associated with property transactions to their own accounts.
  • Employment scams – scammers use job search sites such as LinkedIn and Indeed, claiming to be a legitimate company to target vulnerable jobseekers and defraud them out of their money.

Once the scam victim has willingly authorised the transaction – because they believe the request for money to be genuine – the fraudsters will move the money on from the receiving account, often overseas, making it virtually impossible to recover.

If this has happened to you, then do not feel embarrassed or ashamed, you are not alone. There are steps that you can take and help available to try and recover your losses.

UK banks, including Chase, are responsible for implementing strict measures to prevent and detect financial crimes, such as APP fraud and money laundering.

These measures include:

  • Monitoring accounts for suspicious activity.
  • Stopping unusual transactions.
  • Using their industry knowledge and expertise to recognise and protect against common and emerging scam tactics.
  • Warning customers about scam red flags throughout the transaction process – particularly the vulnerable, such as the elderly or financially naive.

If you think you have been targeted by an APP scam relating to your Chase bank account, the first thing you should do is report this to the bank, the police, and Action Fraud, the UK’s national reporting centre for fraud and cybercrime.

Chase will investigate the report and, in some cases, refunds will be made; however, if you are refused a refund and believe that Chase should have acted to prevent the fraud, you can take the claim to the Financial Ombudsman Service (FOS) an independent government-backed body responsible for resolving disputes between financial services providers and their customers.

Increasingly, FOS investigations have found that UK banks, including Chase, have failed in their responsibilities to consumers when it comes to preventing scams, and victims have been awarded significant financial refunds of losses.

Our dedicated APP Fraud team has extensive experience of dealing with FOS refund claims. The team has successfully recovered compensation for Chase customers who have lost out following an APP fraud scam.

We understand the time limits to be followed, the information needed and the claims and appeals processes. The team will also deal with any complex legal arguments and defences that Chase may raise.

Combining our experienced team and digital case management systems means we can proactively pursue your claim, keep you fully up to date at every stage of your case and aim to get the best possible results, as swiftly as possible.

Start Your Compensation Claim Online

or call us on 0800 169 5925

The specialist fraud team at TLW Solicitors are helping many clients recover refunds on a no-win, no-fee basis. If you have a scam refund claim, we will deal with your case from start to finish, keeping you up to date and advising you at every stage.

Here are the key steps in making a claim:

  1. Submit your claim with us by completing either the online ‘Start Your Claim’ form or ‘Request a Callback’ form. Alternatively, telephone our office or email us using the contact details provided.
  2. A member of the specialist fraud team will discuss your claim with you on a no-obligation basis and advise whether you may have a claim that we can help you with. If we can assist you, we will send you our ‘Welcome Pack’ which contains useful details on what to expect throughout your claim as well as details of what information we’ll need from you.
  3. You will be assigned a case handler. If following an initial assessment of your case we think you have a claim, we will be in touch to go through the next steps. If we don’t think you have a claim, we will provide our reasons why so that you can explore alternative options.
  4. Your case handler will ask for and review any additional documentation needed to progress your claim, this will include contacting the banks involved on your behalf. You will be kept up to date by email and phone calls as required.
  5. We work on a ‘no win, no fee’ basis, which means that if your refund claim against Chase is unsuccessful, there will be no charge for the work we do.

Depending on the circumstances of your case and due to a wide range of factors outside of our control, making a refund claim can take several months to complete – as your case progresses, we will try to give you as much information as possible about the likely timescales.

We will continue to update you on your claim, and you will be able to contact your dedicated case handler if there are any issues or concerns.

Members of TLW Solicitors’ APP Fraud scam team have been featured on the BBC’s Morning Live consumer programme and in a BBC One series, ‘Northern Justice’.

Episodes from the Northern Justice programme demonstrate how TLW Solicitors helped scam victims recover substantial compensation. Full details about the BBC series and how TLW successfully supported our clients can be found here.

We operate on a ‘no-win, no-fee’ basis, so if we are unable to win your case, we will not charge for the time we have spent.

If you or a loved one have been deceived into transferring money to scammers through your Chase bank account, please get in touch for a confidential, no-obligation conversation.

You can call us on 0800 169 5925, email info@tlwsolicitors.co.uk or complete either the ‘Start Your Claim’ or ‘Request a Callback’ forms below.

It is important to get advice as soon as possible as strict time limits can apply.

Minimum case values apply.

Meet Our Team

Meet Sarah, who heads up our experienced Authorised Push Payment Fraud Claims team.

Sarah and her colleagues are on hand to help with your claim.

TLW Solicitors pledge to:

  • Always fight your corner.
  • Explain anything you don't understand.
  • Provide full transparency on our charges.
  • Never ask for any upfront payment.
  • Recover the best compensation we can.
  • Keep your personal information safe.
  • Respond quickly to any queries.