Scam Recovery Letter — $97
A few quick questions · $97 once · No card until the final step
Before you start: Scam Recovery Letter
Formal demand to your bank for reimbursement after a scam, plus an AFCA complaint if they refuse. Cites the ePayments Code and Banking Code of Practice. Common reasons: you lost money to an investment, romance, phishing, or impersonation scam; your bank refused to reimburse you after you reported the scam.
- Answer plain questions about your situationAbout 5 minutes, one question at a time. No legal knowledge and no card needed.
- See how your document is set out, then pay $97 onceBy card through Stripe. The full document is drafted in about 5 minutes.
- Read it and confirm itChange the wording yourself or ask for a redraft (unlimited edits, 2 redrafts included), then confirm it and we email you the final PDF. Nothing is sent to anyone else.
You can stop at any point before paying, at no cost.
What's included
- Formal demand letter to your bank for reimbursement
- AFCA complaint letter if the bank refuses
- References to the ePayments Code and Banking Code of Practice (and the Scams Prevention Framework once it applies to your bank)
- Argument that the bank failed its duty to detect/prevent the scam
- Formatted as a professional PDF
What to have ready
- The key dates, and any amounts involved
- Any documents, emails or messages. Tell us in the chat what you have; the document can refer to them.
Common questions
Can I really get my money back from the bank?It depends on the facts. The ePayments Code protects you where a payment was not authorised by you (for example, a scammer used your details or remote access), and banks that subscribe to the Banking Code of Practice make commitments about how they respond to scams. The letter sets out why your bank should reimburse you on your facts. If it refuses, you can complain to the Australian Financial Complaints Authority (AFCA), which is free.
What is the Scams Prevention Framework?A new Australian law, the Scams Prevention Framework Act 2025, that sets obligations for businesses in designated sectors to prevent, detect, disrupt and respond to scams. Banks, telcos and certain digital platforms were designated as the first sectors in May 2026, and most of their obligations apply from 31 March 2027. Your letter cites the Framework only where your payments were made after its obligations applied to your bank; until then, it relies on the ePayments Code and the Banking Code of Practice.
Should I report to police first?Contact your bank first and ask it to stop or recall the payment, as Scamwatch advises. Then report it at cyber.gov.au (ReportCyber). That creates an official record, and the reference number can go in your bank complaint and any AFCA complaint.
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