✉ info@oakbridgeclaims.co.uk
Compliance-Led Claim Support
UK, Europe & International Cases
Compliance-Led Claim Support
UK, Europe & International Cases
Our experience comes from decades inside the consumer claims world — from timeshare sales and Spanish court claims to modern APP scams, crypto fraud, investment fraud and complex financial disputes.
Our experience started in the late 1990s and early 2000s working as timeshare sales representatives across Spain, Cyprus and Greece. During those years, we saw how the timeshare industry operated from the inside — including the professional side, but also the darker practices that left many consumers financially exposed, misled or trapped in long-term commitments.
After seeing how the industry worked, our focus changed from selling timeshare to helping consumers understand their rights and pursue fair outcomes.
We later worked with Timeshare Reclaim Consulting in Gran Canaria, one of the first companies in the sector to successfully help clients progress timeshare-related claims through court, resulting in clients receiving payouts on successful claims.
We still cooperate with trusted contacts from that sector where appropriate, especially on complex holiday ownership, timeshare and consumer contract matters.
Useful background reading: Timeshare Claims in Spain – Spanish Court Claims Process
Fraud has changed dramatically. Victims are now affected by a wide range of financial scams including APP scams, investment fraud, crypto scams, FTX-related losses, Ponzi schemes, invoice scams, fake companies, romance scams and impersonation fraud.
Oakbridge Claims Ltd now focuses strongly on APP scam support and wider financial scam claim preparation. We help clients understand their position, organise evidence, prepare claim applications, and identify the correct route — whether that is a bank, card provider, payment provider, ombudsman route or legal partner.
The UK’s mandatory APP scam reimbursement rules came into force on 7 October 2024. These protections apply to in-scope APP scam payments made on or after that date. The Payment Systems Regulator explains that the protections began on 7 October 2024 and apply to relevant payments made from that date.
In simple terms, the rules were designed to make banks and payment firms take more responsibility for reimbursing victims of Authorised Push Payment fraud, subject to exclusions and case-specific checks.
A bank may be liable where a customer was tricked into authorising a payment to a fraudster and the case falls within the APP scam reimbursement framework.
Liability may arise where the bank failed to provide suitable warnings, failed to intervene when a transaction looked suspicious, or did not respond properly once fraud was reported.
Responsibility may be shared between the sending bank and receiving bank where the receiving account showed fraud indicators or the receiving institution failed to act appropriately.
Where payment was made by credit card, consumers may have additional protection depending on the transaction, merchant, value and type of loss.
Debit card and card-payment cases may sometimes be reviewed through chargeback routes, especially where goods or services were not provided or were misrepresented.
Card payments used to fund crypto platforms, trading accounts or failed investment schemes can be complex. The claim route depends on who was paid and what was promised.
A client may be partly or fully responsible where they ignored clear warnings, acted dishonestly, failed to report the scam promptly, or continued making payments after obvious red flags were present.
Some cases may involve split liability. This means responsibility can be shared between the victim, the sending bank, the receiving bank, the card provider, the payment platform or other involved parties.
We work closely with more than 10 UK law firms across consumer claims, fraud, financial disputes and litigation-related matters.
We maintain relationships with more than 20 law firms across Europe, supporting cases involving cross-border payments, overseas companies, timeshare claims and European jurisdictions.
Related background: Timeshare Claim Resource
For US-based victims or matters involving US jurisdiction, we work with Karpman Law Firm.
We understand the importance of reporting fraud correctly. Where appropriate, we help clients prepare information for law enforcement reports, fraud reporting bodies, financial institutions, regulators and complaint-handling organisations.
We also maintain professional contacts within the wider legal, enforcement and financial regulatory environment. However, we do not claim special influence over police, regulators, banks, courts or ombudsman bodies.
Bank transfer fraud where victims are tricked into authorising payments.
Fake exchanges, wallet transfer scams, FTX-related losses and fraudulent platforms.
Fake bonds, fake trading platforms, Ponzi schemes and unrealistic return promises.
Business email compromise, fake supplier invoices and altered bank details.
Fraudulent companies, cloned firms and false trading identities.
Spanish timeshare claims, holiday ownership disputes and contract-related consumer issues.