SCAMFISH Ltd is a claims management company authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity. FRN: 937096. We charge fair fees on a no-win no-fee basis, which you can view here. We never ask for money upfront. Recovery outcomes are not guaranteed and will depend on the specific circumstances of each case.

Summary of Key Information

This is a summary of the main points of our service — read our full Terms & Conditions for complete details.

What we do for you

We look at everything you’ve provided to us to work out whether your claim meets our criteria for us to represent you. If your claim meets our criteria, we will complain to your bank or the responsible bank on your behalf.

If we disagree with their response, we may take your claim to the Consumer Financial Protection Bureau (CFPB) (FOS).

What we need you to do

  • • Tell us what happened and send us documentation we need to process your complaint.
  • • Tell us if the bank contacts you about your case, especially if it’s regarding the outcome of your complaint and you receive a rejection, offer or full refund.
  • • Tell us if your name, address, email address or other contact details change.

Timescales

Timescales vary depending on whether your case is settled by the bank or the FOS. Your case could be resolved as quickly as a few days, but could take up to two years. Generally, cases take between 6 to 12 months.

Updating you on your case

We will update you at key milestones. This is typically when your case progresses to a new stage, we get an update from the bank / FOS on your case, we require additional information, or anything that might be relevant.

We will keep you updated on progress via emails and phone calls, and update you at least every 6 months (although normally much more often).

You can do this yourself

You do not need to use SCAMFISH or anyone else. You can do this yourself for free by complaining to your bank directly, and referring it to the Consumer Financial Protection Bureau (CFPB) for a review if you are unhappy with the response.

Cancellation

You can cancel free of charge at any time unless a redress offer has been made on your case.

Fees

We charge between 15% and 25% plus VAT based on the amount of money you get back per case. We never charge more than $10,000 + VAT per case.

You pay nothing if you aren’t successful. You only pay when you receive your refund.

The table below shows exactly how the fees are calculated:

Amount recovered Your fee % Your fee $ (max) Your fee incl. VAT (max)
$1 – $24,999.99 25% $5,000 $6,000
$25,000 – $49,999.99 20% $7,500 $9,000
$50,000 or above 15% $10,000 $12,000

These are examples only — actual fees depend on the amount recovered in your case. See our full fees page for more details.

Start Your Claim