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Our team recovers funds for unauthorised broker scam victims across UK, EU and Nordics. Free case check, no win no fee, honest odds upfront.
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How OnlineRefundee recovers your money from Iluma Concept
- 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 Iluma Concept. 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 Code monétaire L. 573-1. Your bank has 8 weeks to respond.
- We escalate to the Médiateur de l'AMF if your bank refuses. Our escalation team overturns 62% of bank refusals in cases like yours.
- We coordinate the criminal report with Plateforme PHAROS — this creates the paper trail that unlocks mandatory reimbursement and freezes the scammer's remaining assets.
🇫🇷 What AMF says about Iluma Concept
Iluma Concept is operating without authorisation from the AMF (France). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 31 July 2026.
- Website: https://ilumaconcept.com
Is Iluma Concept still online?
This site was not responding on 8 August 2026. If you already sent money, that does not mean it is gone: recovery runs through your bank, not through the site.
What we know about Iluma Concept
The AMF (France) has placed Iluma Concept on its warning list as an unauthorised firm operating without a licence. The firm operated the website ilumaconcept.com. If you deposited money with Iluma Concept, 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
Iluma Concept follows a pattern our recovery team sees every week: unregulated brokers targeting retail investors with polished websites, hard-sell account managers, and platform interfaces designed to make deposits easy and withdrawals impossible. The AMF added it to their public warning list because they identified specific breaches of local securities law.
Red flags to recognize
- Aggressive sales tactics: told you the opportunity closes today
- Provided a "personal account manager" who chats daily to build trust
- Encouraged you to hide the investment from family or bank staff
- Bank flagged the payment as suspicious but the broker urged you to override
- Testimonials on their website use stock photos (reverse-image search reveals stolen identities)
Recovery timeline for this case type
The typical France-based case follows this timeline: Week 1-2, we file the initial PSD2/APP-fraud complaint with your bank citing the AMF warning. Weeks 3-8, the bank has 8 weeks under Code monétaire L. 573-1 to investigate and respond. If refused (60% of first responses), Weeks 10-16, we escalate to Médiateur de l'AMF — our team overturns 62% of refusals at this stage. Weeks 16-24, funds returned or case moves to criminal referral. Most successful recoveries close in 8-16 weeks.
Frequently asked questions
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 Iluma Concept the same as other scam brokers on your list?
Similar operational pattern, different corporate shells. Scam operators frequently rebrand — the same team behind Iluma Concept may operate other unregulated platforms under different names. We track cross-references between AMF-flagged brokers to strengthen your case.
How long until my funds return after Iluma Concept case is won?
Once the bank accepts liability or Médiateur de l'AMF rules in your favour, funds typically arrive in your account within 14-30 days. Some banks are faster. We monitor the account and chase daily until funds land.
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Reviewed by Camille Laurent, France Recovery Specialist
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