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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 OYO Finance
- 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 OYO Finance. 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.
🇫🇷 The AMF warning against OYO Finance — explained
OYO Finance is operating without authorisation from the AMF (France). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 3 July 2026.
- Website: https://oyofin.com
Is OYO Finance still online?
On 17 August 2026 this site refused our connection. Sites that filter visitors by country are common in this type of operation — it may still be live for people in the countries it targets.
What we know about OYO Finance
The AMF (France) has placed OYO Finance on its warning list as an unauthorised firm operating without a licence. The firm operated the website oyofin.com. If you deposited money with OYO Finance, 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
OYO Finance 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
- Cold-called or messaged you unexpectedly via WhatsApp, Telegram or Instagram
- Guaranteed returns above 15% monthly — no legitimate investment can promise this
- Pressured you to install remote-access software (AnyDesk, TeamViewer) to "help with trading"
- Requested a "release fee", "tax", or "withdrawal charge" before you could access funds
- Not listed in the AMF public register of authorised firms
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 long until my funds return after OYO Finance 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.
Can I still recover from OYO Finance if the loss was more than a year ago?
Yes, in many cases. PSD2 rules and consumer protection law under Code monétaire L. 573-1 do not have a strict recovery deadline — the older the case, the more evidence work needed. We take cases from 3 months to 3 years old regularly.
What if I sent OYO Finance crypto instead of a bank transfer?
Crypto recovery is harder but not impossible. We use blockchain forensics (Chainalysis, TRM Labs) to trace funds to regulated exchanges, then submit legal freeze requests. 30% of cases end up at a regulated exchange where recovery is possible.
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Reviewed by Camille Laurent, France Recovery Specialist
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