If you suspect you are experiencing relationship fraud, it's imperative you keep a record of all your conversations, texts, messages and emails so that you have evidence to show the police. Iona adds: "You can try to apply for a refund as banks should now technically reimburse victims of authorised push payment (APP) fraud. Unfortunately, this doesn't apply if the bank believes you acted with 'gross negligence'." In the instance that you disagree with the bank's assessment, you can complain to the Financial Ombudsman
but there's no guarantee that the decision will be overturned.