Scam Refund Escalation — Bank Complaint + AFCA Complaint
Your bank refused to refund a scam or unauthorised transaction, or has not resolved it? For $49 we draft two documents you lodge yourself: a formal written complaint to your bank's Internal Dispute Resolution asking for a final response by a deadline, and a ready-to-lodge complaint statement for AFCA, the free and independent external dispute resolution service. This does not guarantee a refund. Never pay anyone who contacts you promising to recover your money.
What this document does
- For $49 we draft two documents you lodge yourself: a formal written complaint to your bank's Internal Dispute Resolution asking for a final response by a deadline, and a ready-to-lodge complaint statement for AFCA, the free and independent external dispute resolution service.
- This does not guarantee a refund.
- Records the facts that matter on paper: bank or financial firm, bank address, unauthorised or authorised, how the money left.
- Sets a clear deadline and spells out what happens if they ignore it.
- Delivered as a PDF you download the moment it is ready.
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- Which bank or financial firm are you complaining about? Their name as it appears on your statement.
- The bank's address or complaints address, if you know it.optional
- Which of these best describes what happened?
- How did the money leave your account?
- How much did you lose in total? A single figure in dollars.
- List the transactions: the date and amount of each, and who the money went to (account name, BSB and account number, PayID, or card merchant) if you have it.
- Walk us through the dates: when the transactions happened, when you realised it was a scam, and when you first complained to the bank.
- What has the bank said so far? Have they given you a final response or refused to refund you? Copy what they told you if you can.
- What do you know about the scammer or the person the money went to? Any names, phone numbers, websites, or how they first contacted you.optional
- Do you have a complaint or reference number from the bank, or a police or Scamwatch report number?optional
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
Scam Refund Escalation Pack — drafted to the right state law
One document, eight jurisdictions. We only ever cite the Act, regulator and tribunal for your state, so nothing from another jurisdiction bleeds into your scam refund escalation pack.
New South Wales
Drafted under the Australian Consumer Law as it applies in New South Wales, with the state regulator and forum named below.
Consumer regulator: NSW Fair Trading
Consumer money claims: NSW Civil and Administrative Tribunal (NCAT), Consumer and Commercial Division
Victoria
Drafted under the Australian Consumer Law as it applies in Victoria, with the state regulator and forum named below.
Consumer regulator: Consumer Affairs Victoria
Consumer money claims: Victorian Civil and Administrative Tribunal (VCAT), Civil Claims List
Queensland
Drafted under the Australian Consumer Law as it applies in Queensland, with the state regulator and forum named below.
Consumer regulator: Office of Fair Trading (Queensland)
Consumer money claims: Queensland Civil and Administrative Tribunal (QCAT)
Western Australia
Drafted under the Australian Consumer Law as it applies in Western Australia, with the state regulator and forum named below.
Consumer regulator: Consumer Protection WA (Department of Local Government, Industry Regulation and Safety)
Consumer money claims: Magistrates Court of Western Australia
South Australia
Drafted under the Australian Consumer Law as it applies in South Australia, with the state regulator and forum named below.
Consumer regulator: Consumer and Business Services (CBS) South Australia
Consumer money claims: Magistrates Court of South Australia
Tasmania
Drafted under the Australian Consumer Law as it applies in Tasmania, with the state regulator and forum named below.
Consumer regulator: Consumer, Building and Occupational Services (CBOS) Tasmania
Consumer money claims: Magistrates Court of Tasmania, Civil Division
Australian Capital Territory
Drafted under the Australian Consumer Law as it applies in Australian Capital Territory, with the state regulator and forum named below.
Consumer regulator: Access Canberra (Fair Trading)
Consumer money claims: ACT Civil and Administrative Tribunal (ACAT)
Northern Territory
Drafted under the Australian Consumer Law as it applies in Northern Territory, with the state regulator and forum named below.
Consumer regulator: NT Consumer Affairs
Consumer money claims: Northern Territory Civil and Administrative Tribunal (NTCAT)
From your answers to a finished Scam Refund Escalation Pack in three steps
Answer 10 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We draft it for your state
Your Scam Refund Escalation — Bank Complaint + AFCA Complaint is drafted to the legislation, regulator and tribunal for your state or territory, then formatted as a professional PDF. Usually ready within about five minutes.
Review, confirm, receive
The draft lands in your dashboard for you to read. Change anything that isn't right (two free amendments), confirm it, and we email you the final PDF. Nothing is sent to anyone else.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Scam Refund Escalation Pack — $49 →$49 flat fee · You review it first · unlimited edits
Everything about the Scam Refund Escalation — Bank Complaint + AFCA Complaint
How much does the Scam Refund Escalation Pack cost?
A flat $49 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 10 questions, which take a few minutes to answer. After you pay, your draft is usually ready in about 5 minutes, and you can read it and request changes before you approve it.
When do I get the document?
The draft of your Scam Refund Escalation — Bank Complaint + AFCA Complaint is usually ready in about 5 minutes. You read it on your dashboard and can change the wording; once you confirm it, the final PDF is available to download and emailed to you.
What if I need changes?
You read the full Scam Refund Escalation Pack on your dashboard first. You can change the wording or ask for a redraft, with unlimited edits and 2 redrafts included, then confirm it and the final PDF is yours to download and keep.
Does it work in my state?
Yes. The Scam Refund Escalation — Bank Complaint + AFCA Complaint is drafted to the law of the state or territory the matter is in — NSW, Victoria, Queensland, WA, SA, Tasmania, the ACT and the NT — citing the right Act, regulator and tribunal or court for that state.
Read up before you send
Other government & complaints documents
Put it in writing today.
A few quick questions and your Scam Refund Escalation — Bank Complaint + AFCA Complaint is drafted for your state. No card required until the end.
Start My Scam Refund Escalation Pack — $49 →