Insurance

It is worth checking your insurance policies to see whether you are insured against fraud, theft and/or dishonesty. This may be through a stand-alone policy – for example, for card protection (individuals) or employee dishonesty/fidelity (businesses) – or as part of a wider insurance product such as home contents, travel, or legal expenses.

Civil Claims

If you paid by other means than a credit card, such as a debit card or bank transfer,  you can file a claim through the UK courts. The most convenient way to do this is via the Money Claim Online (MCOL) service. This does involve paying fees and most likely appearing in court. You can represent yourself or consult / appoint a solicitor. We would advise that there is of course always a risk in pursuing a court claim – and that this also includes the possibility that the business could be wound up / made insolvent and / or have accounts and assets frozen.

MORE INFORMATION

Section 75 claim

If the initial payment was made by credit card we would strongly recommend contacting your bank. A Section 75 claim can be made for the initial payment and any other balance payments (even if these weren’t paid using the credit card).

 

section 75 guidance