Our story
A scam recovery firm born from personal experience — and grown into Europe's most-regulated consumer advocate.
Refundee Ltd was founded in 2018 in London to give scam victims something the banks rarely offered them: a specialist advocate who understood the fraud, the regulator, and the language the bank preferred to argue in. The founding team was drawn from the UK's Financial Ombudsman Service and high-street bank fraud investigations units — people who had spent years watching claims get refused, and who thought the refusals often shouldn't stand.
The early cases were UK-based: APP fraud, bank impersonation, Section 75 chargeback disputes. By 2020, victims from Italy, Spain and Germany were reaching out — sometimes through Google Translate, always with the same complaint: "my bank won't listen and I don't know how the system works here." So we built a team that did know.
Today Onlinerefundee (operated by Refundee Ltd) is authorised across 15 international regulators, employs 10 native-language recovery specialists, and has recovered over €150 million for victims across the UK, Southern Europe, DACH, Benelux and the Nordics. Every case gets assigned to a specialist who speaks the victim's language and knows the local regulator's escalation pathway.
