Stephen fell victim to a highly convincing authorised push-payment scam after a professional email advertised a “one-year bond” at 11%, using real staff names and official-looking logos. Polished follow-up calls reassured him, and he sent £70,000 in three transfers, receiving a fake certificate. When “withdrawal fees” were demanded, he grew suspicious, sought help, and the case reached The Guardian and the Financial Ombudsman. Under late-2024 UK rules requiring refunds within five working days when victims act responsibly, his bank and the Ombudsman agreed he wasn’t reckless, and he was fully reimbursed. Stephen reported severe stress and embarrassment, highlighting the scammers’ credible impersonation and use of legitimate UK accounts.