Recovery concierge

Lost money or data to a scam? Answer a few questions to get your steps in the right order, the rules your bank should apply, and drafts you can send.

General information, not legal advice. Vilkax cannot get money back for you and is not an insurer.

Vilkax does not store your answers. The case stays only on this device until you erase it.

How did the money leave? Roughly how much?

Date of the (first) payment Did you make the payment yourself? Country of your bank

What did you share or lose? Card details Bank login Email password Other passwords ID document Remote access to a device A one-time code

What happened (optional, only goes into your drafts)

Your steps, in order

Steps and drafts are in English so a bank or police officer anywhere can read them.

Lock down your accounts

Rules that may apply

Where to report

Dispute letter (draft)

Police report (draft)

Anyone who asks for a fee to get your money back is running another scam. Banks, police and regulators never charge for this.

You're not alone

This happens to careful, intelligent people every day. Scammers are professionals who use pressure and trust on purpose. What happened is the scammer's crime, not your failure.

Call your bank

Call your bank on the number printed on the back of your card, or use your bank's official app. Never use a number from a message, email or caller.

If you feel overwhelmed

Talking to someone helps. These services are free and confidential.

If you or someone else is in danger, call your local emergency number now.