Money left and you did not send it

The first hour is when a bank can often still hold the money. This page needs no sign-in. Nothing you type or tick here is sent anywhere.

When did it happen?

The timer counts from the moment you give. It does not start on its own.

It happened at

Do these, in order

Steps for

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Keep this evidence

Keep it in your own notes. The ticks stay in this browser; nothing on this list is typed into the site.

The date, the time and the amount of each payment, as your statement shows them.
The bank's or the app's reference for each payment, from the app or the statement.
Screenshots of the message, the call log, the page or the app that led to the payment.
The number, email or handle that contacted you, and when.
Every report number: the fraud line, the police or cybercrime portal, and the bank's case number.
A copy of every letter you send and every reply you get.

0 of 6 kept

Dispute letters

Each letter is a template with placeholders. It names no account, card or ID number on purpose: you add the date and the amount from your own statement in your copy. The legal lines are marked for a lawyer to confirm before launch.

To the bankA payment you did not make: block, reverse, reference.
To the payment appThe same dispute, to the app that carried the payment.
To the ombudsmanWhen the bank has not answered in 30 days, or you do not accept its answer.
To the credit bureauAn entry on your report that is not yours.
To the lenderA loan or card opened in your name without you.

Track it on your checks

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