At CLKD Consulting we are committed to protecting our customers, the public, and ourselves from fraud.

Beware of Fraudsters Impersonating CLKD Consulting

Fraudsters may pose as representatives of CLKD Consulting, contacting you through email, text messages, or phone calls. These criminals may offer advice, request payments, or send links to fake websites.

Our Email Domains

We will only ever email you via the following email domains:

• @clkdconsulting.com
• @clkd.co.uk

If you receive correspondence from any other emails, please forward these to fraud@clkdconsulting.com

Making Payments

We never accept payments in crypto currency.

Our banking information for payments is only ever available via our two official product portals:

• client.clkdconsulting.com
• portal.clkdconsulting.com

What to do if you suspect fraud

Criminals are continually employing new and inventive ways of defrauding both companies and individuals.

If you suspect you have received a fraudulent call or email, please contact us at fraud@clkdconsulting.com and immediately end any type of communication with the suspected scammer.

Under UK regulations, you may be entitled to claim reimbursement if you are victim of an APP scam payment. Criminals are continually employing new and inventive ways of defrauding both companies and individuals.

What is an APP Scam?

Authorised push payment scams are where a person uses a fraudulent or dishonest act or course of conduct to manipulate, deceive or persuade someone into transferring funds from their account to an account where:

• the recipient is not who they intended to pay, or
• the payment is not for the purpose that they intended.

Types of Scams

APP scams can come in many different forms, but some common types are:

Phishing, where a scammer impersonates a trusted organisation to deceive victims into sending money. For example, they might pose as the tax authority and instruct the victim to pay a fake tax bill into their account.

Purchase Scams, where fraudsters offer products or service to a victim, which they never intend to deliver. These fraudsters usually require prepayment, and then cease all contact with the victim once the funds have been sent.

Who can be reimbursed for APP Scams?

• Private Individuals;
• Microenterprises, which is a business whose annual turnover and /or balance sheet total does not exceed €2 million (or the equivalent in Sterling) and employs fewer than ten people;
• Charities whose annual income is less than £1 million.

I’ve been scammed – what do I do?

If you are an CLKD Consulting client, get in contact with us right away at compliance@clkdconsulting.com. If not, please contact your Payment Service Provider (PSP) immediately.

Additionally, you should report the fraud to the police. You can do this online through Action Fraud, or by calling 0300 123 2040.

How does the claim process work?

When you submit a claim to CLKD Consulting by emailing, fraud@clkdconsulting.com, you’ll receive a short list of questions to answer. Please provide as much detail as possible in your responses. We understand this can be a challenging time, but thorough information helps us assist you more quickly.

Your claim will be reviewed by our internal investigations team if CLKD Consulting processed the payment otherwise the relevant Payment partner institutions investigation team, who may reach out with additional questions. We will keep you updated throughout the process.

We aim to inform you of the outcome as quickly as possible, and no later than 35 business days after receiving your claim. If your claim is approved, the Payment Partner institution will reimburse you up to £85,000 which will be sent to your bank account within 35 business days of receiving your claim.

What claims are eligible for reimbursement?

An APP scam must meet all the criteria below to be eligible for reimbursement:

• The victim must be a client of CLKD Consulting
• The victim must have authorised the APP scam payments.
• The APP scam payments must have been made on, or after, 7th October 2024.
• The scam payments must have been carried out via the UK Faster Payment scheme or Clearing House Automates Payment System (CHAPS).
• The claim to CLKD Consulting must be made within 13 months of the last scam payment.
• The scam payments cannot be the subject of a current, or potential future civil legal dispute.
• The scam payments must be to and from Scotland, Wales, England, or Northern Ireland.
• The scam payments must be from a private individual, microenterprise or eligible charity.
• The victim must adhere to the following requirements and not disregard them through a significant degree of carelessness:
• Victims must have regard to any interventions given by their PSP or competent national authority.
• Victims must promptly report the scam to their PSP upon learning or suspecting of falling victim to a scam.
• Victims must comply with appropriate information requests from their PSP to support the assessment of the claim.
• Victims must report the scam to the police or allow their PSP to do so on their behalf.

External Resources

Scams can happen to anyone. Please be aware that criminals can use different methods to defraud you. For more information on how to protect yourself, you can visit the following resources:

Action Fraud

Action Fraud is the UK’s national reporting centre for fraud and cybercrime to whom you should report any fraudulent activity.

www.actionfraud.police.uk

Financial Conduct Authority (FCA)

The FCA is a conduct regulator financial services firms and financial markets in the UK.

www.fca.org.uk

Take Five

Take Five is a national campaign offering straight-forward and impartial advice that helps prevent online fraud, including mobile phone and email related scams.

www.takefive-stopfraud.org.uk