| If the money left your account because you did a thing, even if you did the thing because you were defrauded, a bunch of banks are going to decline to repay you. Here's news about a new protection scheme in the UK. But this is new (only came in last year), and it doesn't cover all banks. https://www.bbc.co.uk/news/business-48385426 > New protection for individuals tricked into transferring money to fraudsters has now taken effect - but not all banks are signed up to the scheme. > Some 84,000 bank customers lost money - sometimes tens of thousands of pounds - last year after being caught out. > Only a fraction of the amount lost was refunded by banks. Now a new code should mean more will be reimbursed. > The refund will come from a central pot in cases when neither the bank nor the customer are to blame. See especially this bit: > Some of the more elaborate frauds see the con-artists using social media and other avenues such as data breaches to gather information about their victim, making it more likely that potential victims believe they are genuine. > In all these cases, the individual authorises the payment. Banks have often refused to refund these frauds as a result. |