Банки не отстают от лейбористов .
Внимательнее к разным подпискам и просьбам дай хоть фунт на пропитание ;-)
Метро банк категорично не будет платить за обман меньше 100ф
We’re getting in touch to let you know about The Payment Systems Regulator’s new mandatory reimbursement requirements for authorised push payment (APP) fraud claims.
What are the new mandatory reimbursement requirements?
From 7 October 2024, The Payment Systems Regulator will require Payment Service Providers to reimburse most APP fraud victims within five business days (Monday to Friday, excluding Bank Holidays).
The new requirements being introduced aim to enhance customer protection — with both the sending and receiving Payment Service Provider required to split the costs of reimbursement equally.
APP fraud explained
Authorised push payment (APP) fraud is where individuals are victims of a scam due to fraudsters tricking them into sending money. Some examples of these are:
Impersonation scams where fraudsters pretend to be from your bank or the police
Purchase scams that trick you into paying for goods or services that never show up
Romance scams involve building trust online before asking you for money.
Who is eligible for fraud reimbursement under the new rules?
The new reimbursement requirement applies to individuals, small businesses, and certain charities, where an APP scam payment is made using Faster Payments or CHAPS in the UK and sent to a relevant account in the UK. To be eligible, you need to raise a claim as soon as you realise it’s a scam, but no later than 13 months of the final payment made to a fraudster as part of the same scam.
The new rules require you to take caution when making payments — this is known as the Consumer Standard of Caution. Under the Consumer Standard of Caution, you should always remember to:
Take note of fraud protection alerts and information provided by Payment Service Providers
Report the fraud to your bank as soon as it happens
Share all information necessary when reporting your claim to help the investigation
Report the fraud to the police, or consent to the Payment Service Provider reporting on your behalf.
Every claim will be reviewed individually based on the information you provide as well as any information available from the receiving Payment Service Provider or the police.
How long will it take?
The sending Payment Service Provider must reimburse any eligible APP claim to the victim within five business days of the victim reporting the scam. The Payment Service Provider may take longer under certain circumstances and pause the five business day reimbursement timescale. The timescale for deciding whether to reimburse is then moved to 35 business days.
How much can be reimbursed?
The maximum reimbursement amount per claim is £85,000. However, this amount may change in the future. Payment Service Providers can choose to apply up to a £100 excess on any APP fraud claim. If Payment Service Providers choose to apply this excess, customers will be reimbursed the full amount minus £100. For claims under £100, no reimbursement would be provided.
Барклиз может и заплатит если доказать что 99% не виноват в случившемся и предпринял все меры предосторожности ;-)
From 7 October 2024, new UK-wide banking regulation comes into effect from the Payment Systems Regulator (PSR), which will change the way authorised push payment scams are dealt with. These new mandatory rules are designed to make the process more consistent across the UK payment industry. There’s not much change to how we already handle scam claims because we’ve been a signatory to the voluntary Contingent Reimbursement Model (CRM) code since May 2019 – but you may notice a difference if you have accounts with other How we manage refunds – if your claim is valid, you should get your money back within five business days of your scam claim. In some cases, it can take up to 35 business days as we may need to gather extra information
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A new claims limit – there will be a maximum repayment limit for claims and you’ll find the limit on our website once it’s confirmed by the PSR. If your loss is more than the limit, you might not receive any more. But if we manage to recover more, we’ll return it to you
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A £100 excess may apply – any claims following a scam may be subject to a £100 excess. For example, if you make a claim of £1,000, you’ll get £900 back. You may not get any money back if your claim is under £100.
These rules apply to faster payments, third-party transfers and CHAPS payments. They don’t apply to overseas payments or any payments using cash, cheque or card payments.
Reasons we might not reimburse you
If you haven’t:
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Followed any warnings we’ve given, such as an alert that the payment you’re making could be a scam
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Acted upon any instructions from the police
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Reported the scam as soon as you can, and no more than 13 months after the last scam payment was made.
We may ask you for additional information about your claim. You need to make sure you respond to these requests by the deadline we give you. Once you’ve made a claim, we may ask you to report the details of the fraud to the police. You should do this so the police can carry out their own investigation and take any necessary action.
What to do if you think you’ve been scammed
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Talk to us straight away – it’s important you let us know if you’ve been scammed, no matter how small the amount. The sooner you let us know, the sooner we can investigate. Speaking to us directly also means there’s more chance of you being fully reimbursed
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Always log a claim – even if the amount scammed is less than £100. We might be able to recover your money from the account you sent it to. Plus, any information about active scams helps us better protect you and track the criminals
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Please keep all the evidence you can that relates to your scam claim. We assess every claim on a case-by-case basis, and will look at all the evidence we’re sent by you, any service providers or a third party such as the police.
We’ll be writing to you in 2025 to update your terms and conditions to take account of the change in regulation.
