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Home / Fraud / Banking and Insurance Fraud

Banking and Insurance Fraud

Banking and insurance fraud can carry heavy penalties. If you are being investigated for banking or insurance fraud, get in touch with our bank and insurance fraud lawyers to protect yourself. Our bank fraud lawyers are highly experienced in achieving the best outcome for clients.

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Bank Fraud

Banking fraud is often referred to as a white-collar crime. Types of offending behaviour include payment card and bank account fraud. Bank card fraud, involving the use of payment cards and bank accounts, includes use of another person’s card, cloning another person’s card, taking over or sending instructions relating to another person’s bank or card account, and use of another person’s cheque.

Over recent years, scams have become more intelligent and much harder to spot due to the rise of online banking. As a result, online banking scams are rife.

Your bank should attempt to refund you for any stolen money as soon as possible, but if they suspect that you are committing fraud or have been negligent (i.e. telling someone your PIN), you would have to take the fraudster to court to claim your money back. Whether you have been targeted by bank fraud or if you are being investigated for it, it is always best to hire a bank fraud lawyer to protect yourself.

Insurance Fraud

Insurance fraud can take many different forms, but in its most basic form, insurance fraud involves fraudulent claims by or against an insured person in order to elicit money from them. Some examples include:

  • Motor insurance fraud and ‘crash for cash’

This is a form of scam wherein a road traffic collision is deliberately caused or fabricated to claim against the insurance. There are three main forms of crash for cash incidents – staged, induced, or ghost claims.

– A staged incident could be a crash orchestrated between two people who are both involved in the scam or mimicking damage from a legitimate crash.

– An induced incident is one of the more well-known forms of crash for cash – targeting an innocent driver and creating a situation where they are the ‘at fault’ driver. This is often achieved by braking suddenly in front of another car to cause the driver to crash into the back of the fraudster or flashing their lights to encourage a driver to pull out and then crashing into them.

– A ghost claim is entirely fabricated and sent through to the insurance provider for financial gain.

  • Home insurance fraud

This can involve anything from staging a burglary, exaggerating claims when faced with a legitimate loss, making false claims or damaging your own property to claim the insurance money from it.

  • Ghost brokers

These are people who either buy and doctor legitimate insurance policies or create entirely false ones and then offer them to the unsuspecting public as a great deal. Those who buy their insurance from a ghost broker are essentially not insured and may face penalties.

  • Supplier fraud

This is where any kind of supplier (such as builders, motor repairers or other tradespeople), who an insurer has engaged to repair insured property, charges for work they have not completed or inflates the cost of their work.

An insurance fraud lawyer can help you defend your best interests if the claim goes to court.

Obtaining Credit Through Fraud

Obtaining credit through fraud includes the illegitimate acquisition of:

  • Mortgages
  • Loans
  • Interest-free credit
  • In-store credit
  • Goods or services on a ‘buy now pay later’ basis
  • Car finance
  • Credit cards
  • Store cards
  • Bank accounts

Sometimes this is done using false information, but if it is done using another person’s name and personal information, this is identity theft and can carry heavy penalties.

Find a Banking and Insurance Fraud Lawyer

In direct relation to banking and insurance fraud, the principle offences likely to be used to prosecute are fraud under the Fraud Act (2006), section 1, and false accounting contrary to the Theft Act (1968), section 17. According to the Fraud Act, the maximum penalty for certain fraud offences is ten years imprisonment.

Contact a bank fraud lawyer at St Pauls Chambers for legal advice and strategy guidance on all aspects of financial crime, including banking and insurance fraud. Our barristers are highly experienced, offering guidance and advice for all banking and insurance fraud law areas.

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Our barristers are highly experienced, offering guidance and advice for all areas of banking and insurance fraud law. Get in touch for further assistance.

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KCs

  • Sam Green QC Joint Head of Chambers

    Sam Green KC

    Call: 1998

    Silk: 2015

  • Nigel Sangster QC

    Nigel Sangster KC

    Call: 1976

    Silk: 1998

  • Richard Barraclough QC

    Richard Barraclough KC

    Call: 1980

    Silk: 2003

  • Simon Myerson QC

    Simon Myerson KC

    Call: 1986

    Silk: 2003

  • Bryan Cox

    Bryan Cox KC

    Call: 1979

    Silk: 2005

  • Jane Bewsey QC Associate Tenant

    Jane Bewsey KC

    Call: 1986

    Silk: 2010

  • Simon Bickler QC

    Simon Bickler KC

    Call: 1988

    Silk: 2011

  • John Harrison QC

    John Harrison KC

    Call: 1994

    Silk: 2016

  • Jonathan Sandiford

    Jonathan Sandiford KC

    Call: 1992

    Silk: 2020

  • Cameron Brown Associate Tenant

    Cameron Brown KC

    Call: 1998

    Silk: 2020

There are no KCs suiting filter condition

Members

  • Denise Breen-Lawton Joint Head of Chambers

    Denise Breen-Lawton

    Call: 2000

  • Jeremy Barnett- Barrister

    Jeremy Barnett

    Call: 1980

  • Philip Standfast

    Philip Standfast

    Call: 1980

  • Nikki Saxton

    Nikki Saxton

    Call: 1992

  • Robert Smith

    Robert Smith

    Call: 1995

  • Derek Duffy

    Derek Duffy

    Call: 1997

  • Nick Worsley Barrister

    Nicholas Worsley

    Call: 1998

  • Alasdair Campbell

    Alasdair Campbell

    Call: 1999

  • Andrew Stranex

    Andrew Stranex

    Call: 2000

  • Jane Brady | Barrister Leeds

    Jane Brady

    Call: 2001

  • James Bourne-Arton

    James Bourne-Arton

    Call: 2001

  • Danielle Graham

    Danielle Graham

    Call: 2003

  • Hal Watson

    Hal Watson

    Call: 2003

  • James Lake

    James Lake

    Call: 2005

  • Andrew Nixon

    Andrew Nixon

    Call: 2006

  • Helen Chapman

    Helen Chapman

    Call: 2006

  • Voldi Welch - Barrister at Law

    Voldi Welch

    Call: 2008

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    Hannah Hinton

    Call: 2008

  • Angus MacDonald

    Angus MacDonald

    Call: 2009

  • Sophie Mitchell

    Sophie Mitchell

    Call: 2010

  • Hannah Lynch

    Hannah Lynch

    Call: 2011

  • Stephen Flint

    Stephen Flint

    Call: 2012

  • George Hazel-Owram

    George Hazel-Owram

    Call: 2012

  • Kristina Goodwin

    Kristina Goodwin

    Call: 2013

  • Stephen Elphick

    Stephen Elphick

    Call: 2014

  • Charlie Greenwood

    Charlie Greenwood

    Call: 2015

  • Frances Pencheon

    Frances Pencheon

    Call: 2015

  • Jessica Heggie

    Jessica Heggie

    Call: 2017

  • Harry Crowson

    Harry Crowson

    Call: 2018

  • Temitayo Oguntade

    Temitayo Dasaolu

    Call: 2018

  • Ayman Khokhar

    Ayman Khokhar

    Call: 2018

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    Emma Handley

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    Matthew Moore-Taylor

    Call: 2020

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