Unfortunately, we are unable to accept your case.
Thank you for reaching out to CEL Solicitors.
After reviewing the information you have provided, we regret to inform you that we are unable to proceed with your claim at this time. Below, we have outlined common reasons for declining cases.
Why We Are Unable to Assist with Your Case
There are several factors we consider before accepting a case. These include:
- Success Likelihood: We assess whether your case has at least a 51% chance of success, either through the Financial Ombudsman Service or in court. If we believe the chances are lower, we cannot proceed. You may still be successful using alternative recovery methods.
- Claim Value: We do not take on claims under £3,000 unless they are complex, as these can often be handled directly by clients without legal assistance.
- Payment Method: If you paid the scammer via platforms like PayPal or eBay, you should first seek a refund through their dispute resolution processes.
- Bankruptcy Status: If you are bankrupt, any compensation received may not be distributed to you, meaning we are unable to recover our fee upon completion.
- Previous Complaints: If you have already complained to the Financial Ombudsman Service and the decision was rejected over two weeks ago, or if your bank rejected your complaint more than six months ago, we may be unable to assist further.
- Timing: If the scam occurred more than six years ago, we may not be able to conduct a meaningful investigation due to a lack of available records.
Next Steps and Further Advice
- Report the Scam: Please report the scam to the police through Action Fraud and notify your bank immediately.
- Financial Ombudsman Service (FOS): If your bank rejects your complaint, you have 6 months to escalate it to the FOS.
- Court Proceedings: You typically have 6 years from the date you became aware of the scam to initiate court action.
We understand that this is a distressing time, and unfortunately, scammers often retarget past victims months or even years later. Please remain vigilant and, if you are unsure, do not send any money. Always consult with trusted sources such as friends, family, the police, or your bank before proceeding with any payments.
Useful Resources
- Action Fraud: For scam reporting, prevention advice, and scam types. Action Fraud
- Which?: Consumer rights and scam-related guidance. Scams – Which? Consumer Rights
- Take Five to Stop Fraud: Scam prevention tips. Take Five
- Financial Ombudsman Service: Information on how to complain if your bank refuses to refund you. How to Complain
Handling the Complaint Yourself
If your claim is of low value, we recommend lodging a complaint with your bank using our template letter below. Provide details of the scam, your losses, and personal information, and send it to your bank’s complaints or fraud team. This template can also be adapted to complain to other organizations involved in the scam.
[Free Complaint Letter Template]
We sincerely regret that we are unable to assist with your claim and hope you find success in recovering your lost funds.