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Our team recovers funds for investment platform scam victims across UK, EU and Nordics. Free case check, no win no fee, honest odds upfront.
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Our refund process for Heritageoption victims
- Stop paying immediately. Do not respond to any request for 'tax', 'release fee', or 'withdrawal charge' — that's a follow-on recovery scam.
- Preserve your evidence (60 seconds). Save every screenshot, WhatsApp message, email and bank transfer receipt from Heritageoption. This becomes the core of your bank complaint.
- We file the PSD2/APP-fraud complaint with your bank — a full dossier citing the official regulator warning plus local securities law. Your bank has 8 weeks to respond.
- We escalate to the financial ombudsman in your country if your bank refuses. Our escalation team overturns 62% of bank refusals in cases like yours.
- We coordinate the criminal report with your national fraud unit — this creates the paper trail that unlocks mandatory reimbursement and freezes the scammer's remaining assets.
🇳🇿 The FMA NZ warning against Heritageoption — explained
Heritageoption is operating without authorisation from the FMA NZ (New Zealand). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 31 July 2026.
- Website: heritageoptiontrade.com
Is Heritageoption still online?
We check this site every morning. On 8 August 2026 it was still responding at heritageoptiontrade.com. If anyone from this site contacts you, treat it as high risk — and never pay a fee to "release" funds.
What we know about Heritageoption
The FMA NZ (New Zealand) has placed Heritageoption on its warning list as an unauthorised firm operating without a licence. The firm operated the website heritageoptiontrade.com. If you deposited money with Heritageoption, a free case review will tell you honestly whether it can be recovered.
Full guide: How to recover money lost to investment fraud →
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Message us on WhatsAppHow this scam works
Heritageoption was added to FMA NZ's watchlist because it is not authorised to provide investment services in New Zealand. Unregulated brokers use offshore payment processors and shell companies to move victim funds fast — but PSD2 rules and financial ombudsman in your country give you real recovery routes.
Red flags to recognize
- Requested a "release fee", "tax", or "withdrawal charge" before you could access funds
- Not listed in the FMA NZ public register of authorised firms
- Refused to provide FCA/CONSOB/BaFin licence number when asked
- Website domain registered within the last 6 months (young domain = red flag)
- Uses "regulated by" claims from offshore jurisdictions (Vanuatu, St Vincent, Marshall Islands)
Recovery timeline for this case type
Recovery from Heritageoption follows a clear process. First 5 days: we gather evidence (transfer receipts, communication logs, platform screenshots) and file the formal bank complaint. Next 6-8 weeks: the bank investigates under PSD2 obligations set by local securities law. If the bank refuses, we escalate to financial ombudsman in your country within 72 hours. Ombudsman decisions typically take 3-4 additional months. In parallel we coordinate criminal reporting.
Frequently asked questions
Can I recover funds from Heritageoption if my bank already refused?
Yes — this is one of the most common scenarios we win. Under local securities law, your bank must justify a refusal in writing. We appeal the decision, submit evidence they missed, and escalate to financial ombudsman in your country. Our team overturns 62% of first-round bank refusals.
How much does recovery cost with OnlineRefundee?
Nothing upfront. Our fee only becomes due when we secure a redress offer for you — typically a percentage of the amount recovered. Case assessment is free. No win, no fee. Full details in our fee structure page.
Is Heritageoption the same as other scam brokers on your list?
Similar operational pattern, different corporate shells. Scam operators frequently rebrand — the same team behind Heritageoption may operate other unregulated platforms under different names. We track cross-references between FMA NZ-flagged brokers to strengthen your case.
Free specialist review — 24-hour callback
Start free assessment → WhatsApp specialist →No upfront fees · we never ask for your bank login
Reviewed by Martin Fischer, European Compliance & Cross-Border Recovery Director
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