After an attack

If money has already gone

Speed matters, and so do deadlines. Pick your country, add the dates you know, and see what to do by when, with draft letters to your bank and the authorities. Nothing you enter is stored or sent.

Redress pack

Getting your money back

Your deadlines, and draft letters to your bank and the authorities. Only the dates below are used. Your name, bank, and account details are left as blanks for you to fill in by hand. Vireth never asks for them.

Where you are

Your dates

When the money left

When you complained to the bank

Leave blank if you haven't yet.

Date of the bank's final reply

Leave blank if none yet.

Call 1930 now if money has gone
Now
There is no deadline, but every hour matters: fast reports give the best chance of the money being frozen before it moves on.
Report to your bank within 3 working days
Add a date
Under RBI's current rules, reporting an unauthorised electronic transaction within 3 working days of the bank's alert gives you the strongest protection (zero liability where a third party was at fault). New RBI rules apply to transactions from 1 January 2027.
Bank should credit the disputed amount (shadow reversal)
Add a date
Within 10 working days of your report, under RBI's rules for unauthorised transactions.
Bank must resolve your complaint
Add a date
Within 90 days of receiving it, under RBI's rules.
You can go to the RBI Ombudsman from
Add a date
If the bank hasn't replied within 30 days, or sooner if you're unhappy with its reply. File at cms.rbi.org.in; help on toll-free 14448.
Last day to go to the RBI Ombudsman
Add a date
If the bank never replies: 90 days after its 30-day window ends. If it does reply, the 90 days run from its last communication instead.

Deadlines checked against official sources in September 2026. Rules change; confirm with your bank or the official source.

Choose a draft

Where to send it: Call 1930, then file at cybercrime.gov.in. Paste this as your description.

Report of a suspected fraud

Reported by: [Your full name], [Your phone number or email]
Bank: [Bank name], account ending [last 4 digits]
Amount involved: [amount], on [date and time of the payment]

What happened:
[Describe what happened, in order, with dates and times. Include who contacted you, what they asked for, and what you did.]

Payment and contact details:
[Transaction IDs, UPI or payment references, account or phone numbers the money went to]

These are plain-language drafts, not legal advice. Check every detail, fill in anything in [brackets], and keep a copy of everything you send.

Vireth keeps no record of anything. If you may need evidence, take screenshots of the messages, keep your call log, and keep your bank statements yourself.