Bluewave Dynamics's Terms & Conditions

What we will do

We will gather as much information as possible about what has happened to you and your money. In some cases we may need you to send us documentation to support your case.

We will then assess the circumstances to determine if you meet our internal requirements to take on your claim. If you do not, we will provide you with details on how to take your claim forward yourself.

• If you meet our internal requirements, we will take on your claim and complain either to your bank or the bank that received your money.
• If the bank does not deal with your complaint in a way that we think is fair to you, we will take your case to the Financial Ombudsman Service (FOS) and explain to them why we think you’ve been treated unfairly.
• We will keep you updated throughout the process at key milestones and at least every month.

How long will it take?

• We will progress your case as quickly as possible but unfortunately many delays can occur depending on the circumstances of your case and particularly if your complaint needs to be reviewed by the Financial Ombudsman Service. Below are some indicative timelines:

Stage 1: Information gathering: This takes around 2 weeks. This depends on the completeness of information you’ve provided us with up front and whether we need you to send us additional documentation. Often we will be able to progress your case to a complaint to the bank once you’ve signed our terms and conditions.
Stage 2: Complaining to your bank: Banks have 15 days or 8 weeks to respond and give you a final response depending on the nature of your complaint. Sometimes banks take a little longer to respond.
Stage 3: Complaining to the Financial Ombudsman Service: This takes anything from 3 months up to 2 years. Unfortunately it’s difficult for us to provide any clearer timelines on cases that go to FOS at present. There are 2 internal stages at FOS. If your complaint is resolved at the early stage by a case handler it may only take a few months. However, if you or the bank are not happy with the decision it may need to go to a second stage (to an Ombudsman for a final response), in which case timelines vary and can take many years in the most extreme circumstances.

How and when we will charge you

• You are only charged in the after the case has begun. At any time after our contact with the bank/FOS where a case is successful, our fee is applicable.
• ou must inform us as soon as you find out that you have been successful, if you are informed first.
• In the event that you opted to pay off existing debt rather than receive the funds, you will still have to pay our fees.
• You may receive refunds in stages. For example, the bank may refund you half and FOS awards you the other half later on. In these cases we will charge you when you receive any refund.​

What is a “successful” case

• A case is deemed successful once you are notified that you will receive any money back. This is usually through the sending or beneficiary bank, or through the FOS.

What fees do you pay to Bluewave Dynamics?

• You will be charged a percentage fee of 15% within each tier, as described in the table below
• In addition to the fee, VAT may be applicable

You will be charged per case

If you’ve been a victim of a number of different scams we are helping you with, each scam will be treated as a separate case.

f you’ve been a victim of a single scam that involved you making payments from more than one bank, each bank you made a payment from or to will be treated as a separate case.

See the “Your Cases” section below for details of the cases we are helping you with.

If you do not pay

If for any reason you are struggling to pay us, you should let us know. We will do our best to help, but if we cannot come to an arrangement we reserve the right to pass the debt to debt collectors, or take legal action, to recover the debt (and associated legal fees).

General Information

Bluewave Dynamics Ltd is a company registered in the United States Bluewave Dynamics Limited is a Claims Management Company authorised and regulated by the Financial Conduct Authority in respect of regulated claims activity. We are registered with the Information Commissioner's Office.

Making a complaint

At Bluewave Dynamics we always want to improve our service and are always looking for feedback. If you have cause for complaint please call us, write to us or email us at support@bluewavedynamics.us. We will always respond as soon as possible and no later than within 3 working days. If you remain dissatisfied, you can contact our address at 201 Spear St # 1100, San Francisco, CA 94105, United States.

Data Protection

All of your data is kept in accordance with General Data Protection Regulation and will be used to help us deal with your case. You give us full consent to store this data and authority to disclose and receive information including special categories of personal data regarding any and all fraud cases from all relevant third parties (including sending and receiving banks and the Financial Ombudsman Service.) Please see our privacy policy for more details.

Our contact details

Bluewave Dynamics Limited

201 Spear St # 1100, San Francisco, CA 94105, United States

support@bluewavedynamics.us