Expert representation for victims of Authorised Push Payment (APP) fraud, wire scams, and bank impersonation schemes.
Authorised Push Payment (APP) fraud occurs when an individual is tricked into instructing their bank to send funds to an account controlled by criminals. Because the customer authorized the payment themselves, financial institutions often initially deny liability and refuse reimbursement.
However, banks have strict regulatory duties of care. Banks must monitor transactions for unusual activity, issue effective fraud warnings, and actively intervene when high risk transfers take place. Zelvix holds sending and receiving banks accountable under banking codes and financial ombudsman standards to secure full reimbursement for victims.
Scammers posing as bank fraud department agents over spoofed telephone lines, convincing victims to move money into safe holding accounts.
Interception of email communications between businesses or home buyers to substitute fraudulent bank account details on real payment invoices.
Interference in real estate transactions where home deposit funds are redirected to criminal beneficiary accounts right before settlement.
Deceptive callers claiming your bank account is compromised and urging immediate transfer of balances to temporary security vaults.
Targeting corporate accounts department employees with urgent executive requests to wire funds to new overseas suppliers.
Complex cross border wire transfers where funds are routed through correspondent banking networks to offshore destination entities.
We draft technical legal complaints demonstrating where your bank failed its security obligations and statutory duty of care.
We coordinate with sending and receiving institutions to track beneficiary money mule accounts and freeze remaining balances.
If your bank rejects reimbursement, we escalate your claim to statutory Financial Ombudsman services for a binding resolution.
Yes. Banks frequently issue standard rejections to APP fraud victims. Under banking regulation and regulatory precedent, banks must reimburse victims if the bank failed to implement adequate fraud detection warnings or delayed intervention.
Immediately. Reporting within the first 24 hours increases the probability of receiving banks freezing funds before money mules withdraw cash or transfer capital overseas.
Yes. Most banking regulatory frameworks allow formal fraud complaints and Ombudsman escalations for events occurring within six years of discovery.
Do not accept initial bank rejections. Contact our banking dispute specialists today to review your claim.