Two-thirds of UK fraud comes from abroad. How to get your money back from the bank: 5 business days and an £85,000 cap
On 24 September the Home Office announced an agreement with Cambodia against scam centres: more than two-thirds of the fraud affecting the UK originates overseas. ONS figures for the year to March 2026 show 3.8 million victims, up 10% on the year before. Here is where to report after 4 December 2025, and how mandatory bank reimbursement works: 13 months to claim, 5 business days to pay, an excess of up to £100 and an £85,000 cap.
How to return goods in the UK: 30 days for faults, 14 days for online orders, and chargeback when the shop says no
The law gives you 30 days to reject faulty goods for a full refund and 14 days to cancel an online order without giving a reason. For the first six months the retailer must prove the fault was not there at purchase. If the shop refuses, the bank pays: Section 75 on credit cards from £100 to £30,000 and chargeback within 120 days on debit cards. A step-by-step guide.