Australia Scam Complaint & Recovery Demand
First-person self-help letter to your bank, card issuer, online platform, or a business, reporting a scam and demanding investigation and recovery/refund. Records your report to Scamwatch (run by the National Anti-Scam Centre). For banks and card issuers, escalation is to the Australian Financial Complaints Authority (AFCA). You complete and send it yourself. Kept factual — it does not over-claim statutory liability.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
One-time price:$9≈ A$14Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
What happened
This letter formally puts the bank, card issuer, platform, or business on notice of a scam and asks them to investigate and act. Report the scam to Scamwatch (scamwatch.gov.au) as well — it is run by the National Anti-Scam Centre.
This letter will cite
Scam reports: Scamwatch / National Anti-Scam Centre (scamwatch.gov.au). Financial disputes: Australian Financial Complaints Authority (AFCA, afca.org.au).
Banks and card issuers are members of AFCA — if they do not resolve your complaint, you can escalate to AFCA free of charge.
State the facts: how you were contacted, what you were told, what you paid and to whom, and when you realised it was a scam.