I have no words to describe the fantastic service I received from Payback Ltd.
When I got scammed by an imposter on a bond investment scam for AUD 200,000, my life turned upside down. That was my only saving. Unfortunately, when I reported the dispute to the bank, I got only AUD 800 from the bank as a refund. That was all what was left in the bank after scammer scooped up the lot.
Me having a never give up attitude (as it was my hard earning money), I researched on the internet intensely for help and found Payback Ltd. I was very reluctant in the first instance, thinking it could be another scammer but carried out more research and the company had very good positive ratings. It was a blessing. I made a perfect decision. Within a month the company helped me to talk through to my bank via highly professional, well executed legal explanation with facts. The bank decided to pay me back the full amount following a thorough re-investigation based on the bank's customer care protocol.
I have no doubt aboutvthe knowledge and experience the company has with regards to Australian, United Kingdom and International legal systems, bank policies and other govt institutions authorised to help layperson like me is quite advanced. They really educated me of how to recover the money. The letters prepared by them on behalf of me are of very high quality, evidence-based facts, clear and concise that no other legal system could easily challenge in my opinion. Payback Ltd had many alternatives proposed to recover my money. However, following only the very first proposed step, I got all my money back within the month after the complaint was lodged. Being a senior in the 70-80 age group, the feeling I had was beyond words. I got my life back. This is a true indication of their expertise background.
I salute Aya who looked after me with immense care. Her professional conduct is commendable. Adam who initiated the process by giving me all the confidence I needed to use their services, was the Xavier.
Undoubtedly, my compliments extend to the team assigned to my case along with Aya's supervisor. Many thanks to your care, empathy, professionalism, competency and confidence given to me.
I recommend Payback Ltd to anyone in my situation; please do not hesitate to use their excellent services.

I paid for their services $1.000 and I have been working with them from January 2023. They have not managed to get any of the money I have lost in online scam (crypto investment with partially payments on October 2022).
They started by writing dispute letters (complaints) that I sent to PayPal, the financial institution via I paid the scammers.
Mr. Nadav D. Was the first person who worked with my case. He is a great professional and very helpful partner. Unfortunately, I realised that he and his successor (Odelia B.) were totally ignorant about the PayPal dispute procedures! Nevertheless I worked with him and sent our letters to PayPal.
PayPal denied to proceed with my case and reimburse me. They suggested me to move forward to CSSF and send them my complaint. Nadav continued diligently to work and communicate with me, in order to proceed with my case! Unfortunately he moved to a new department and I started working with Mrs. Odelia B.! She really looks like doesn't care about my case, and informed me that Payback's Ltd legal team characterised the CSSF as "a waste of time" complaint! She didn't answer to my e-mails and my WhatsApp messages (as Madam did), and phone called me from unknown numbers (2-3 ringtones). I strongly believe that she made these phone calls only because it's her company's policy to communicate with their costumers!
The following months I realized that I had to write and send by myself a complaint to my bank. They informed me that they work with PayPal and it is a matter of time to get a refund from them for a specific amount of money I paid through my debit card to PayPal (the 80% of the money I lost)!
Finally, Payback Ltd advised me to send a complaint to the European Consumer Center (ECC)! I sent them the complaint and the ECC Greek representativs responded that I have to wait for the final decision from the CSSF, and then they will proceed accordingly!
Some weeks ago, I have asked for Odelia to stop our efforts to retrieve my moneyafter the completion of the aforementioned two complaints! As you can understand, she didn't read again my request, and a couple of days ago a new employee of Payback emailed me and announced that she will work with my case!

My advise is to ACT FIRST by yourself and then ask for help!

Date of experience: 21 March 2024

I got scammed last month unfortunately and reached out to PaybackLtd for help. They sent me an email, to inform me that they recovered my funds. They said that they would need to be on call for 20-30 minutes with me to verify me and then recover the funds. I was led all over the place, having to share my screen and having instructions on what to do to recover my funds. Be careful with this Company, they are very dodgy, there was no explanation of the 10% fee of the recovery of funds, untill I brought it up, as I read it online.I kept asking about it, there was also no mention of the fee being upfront before the recovery of the funds. I kept asking about the fee and anything else I should be aware of on the phone with the man. The man on the phone also informed me that the scammer had invested me money into crypto and it had multiplied, so the fee would be higher because the funds that needed to be recovered was much larger than the money I lost last month. That perplexed as I wasn't expecting to be recovering the amount I was informed of. The part where it got extremely strange was when the employee transferred me to the expert to help me further, as I was struggling with the crypto wallet. The Expert, then informed me that I needed to have a certain amount of money in my bank account in order for me to be able to recover my funds. I then informed him that I did not have the funds in my account, and asked how I would be able to go about this. He then asked me if I could get help from anyone I know, to be able to help me with this, and my response was no. It was quite difficult to understand him throughout the entire phone call with him, as he sounded like he had a very strong thick Spanish accent when speaking English. After I told him I didn't have anyone to help me, he then told me, to put on my camera, I will not go into detail, as it is quite shocking, because I couldn't quite understand, I was confused as to why he would ask me to do that, how would putting on my camera help with this. I then understood him finally, the scary thing is my screen was shared and he could see my face, he asked to see inappropriate things of me and said that if I did as he asked, he would send the money to me and I immediately refused. I was so shocked, I froze and he hung up the phone. I of course did report that incident to the authorities. The only reason why I thought I could trust that company was because I saw it was a real company and I saw a lot of reviews, I clearly didn't do enough digging. If I could give it a negative star, I would. That was a terrible experience, very all over the place, not honest and disgusting. Think twice about going to PaybackLtd for help, they clearly aren't very helpful and I regret not doing more research, as I have now encountered very bad reviews and I would agree with all of them.

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PayBack is useless. They are disorganised and get no results, do NOT pay $15k up front, you will see no result, just (late) correspondence which is meaningless.
I could not even upload my files to the site, had to send snail mail to Tel Aviv.

Then 3 case managers in a row within a year. I fired Payback for bad advice and service. The communication was ok but like other "recovery" companies they have absolutely no clout or power when it comes to trying to get stolen funds back.

They say they have a "legal department", it is meaningless and you have to send everything yourself to institutions. I got the impression we were just going through a routine leading absolutely nowhere.

They do this day in day out so why waste my time with a wild goose chase?

When I left a poor review PayBack then claimed I did not have an agreement. I did and TP kept my review up. Then they got some clown from another company "Active Refund" calling me... which has PayBack on the webpage!

Nothing about PayBack rings true and beware of any company that has nothing but 5 star reviews. It's a con, it is dishonest and I have nothing good to say about PayBack given the non existent result and actions following my honest review of them.

These companies operate very much incognito and in the shadows. TH CONSULTING was another non performer I hired but even their communication was woeful.

My impression after all this is that NONE of there refund companies are worth bothering with. None have legal expertise on board sufficient to chase scammers and indeed may well be linked to scammer outfits.
I say this because I received at least 12 calls from "recovery companies" after I'd been scammed, unsolicited emails and phone calls (always anonymous VOIP calls showing different country codes) - they are a total nuisance and I am brutal with them (very thick skinned).

Also the mannerisms and sales talk tend to be identical in character to the scammers. Arrogant, condescending and pushy.

Just hang up (abuse as required!) and block their email. They can't stand being told where to go and become hilariously indignant that you should question their ethics. Ask a question and you get an evasive answer with a BS line as long as your arm.

Avoid PayBack.com and the dodgy companies they pass your information to.

Like many here, I foolishly fell victim to a multi-layered crypto scam stemming from a YouTube comments section with visions of financial grandeur in the making!

Payback has been an essential component to fighting back against the bank and although the bank denied my responses, we went back and fourth a few times (as expected when dealing with bank claims). Payback wrote very professional and detailed letters while understanding common banking laws and schemes to squeeze out of personal responsibility on their end when it comes to protecting their clients.

Don't be discouraged that the process is lengthy, for some more than others but time is a critical aspect of recapturing your lost funds and going through all the financial regulators that need to oversee the situation when the first few approaches don't work. These situations take time and are not easy, but the teams at Payback are the best prepared I have ever seen in the industry and have the resources to pull together amazing results.

My bank is Wells Fargo and if you've heard of them, you know how bad their reputation really is. Their inhuman response letters to me really cemented that fact! I have been dealing with several financial regulators: Consumer Financial Protection Bureau, Federal Trade Commission, Office of the Comptroller of the Currency, and currently dealing with Financial Services and Pensions Ombudsman.

My crypto fraud scam was dealt through the crypto platforms MoonPay and Coinmama respectively, Payback has been here every step of the way guiding me and giving me inside knowledge to combat the bank and crypto platforms in retrieving my funds! I would not have the patience, diligence, or expertise to do this on my own at all.

I make my best effort to communicate with them on time and send all confirmations of my actions taken as requested via e-mail. I see some people say they haven't responded to them in like months or a year? Well, I can't speak for anyone else but personally I have not had to wait more than a few days to get a response and certainly not more than a single week. It seems odd to me they would promptly communicate with me for over a year now, while ignoring others for months at a time. While I don't know anything about those other complaints by certain users, I 1,000% vouch for their professional services and passion to pull the rug under cybercrimes and help those most vulnerable to them! I started with the case manager Yaniv Dolinger (who got Covid early on), got routed to a second case manager, and I'm currently with my third case manager.

I contacted them online when I landed on their website shortly after I was scammed and humiliated by my foolish, shortsighted greed to gain huge returns without putting in the proper work and research. Payback has not only made tremendous effort in moving my case forward with the bank, crypto platforms, and financial regulators, they have personally taken the time to console me in my huge state of distress and financial worries. Treated me as a good human being and sympathized with my plight as I wondered if I would ever see a dime of my lost funds through the scammers Robinson's Trading Services (WhatsApp) over the crypto platforms Coinmama and MoonPay.

We are getting much closer to finally retrieving some funds now and more negotiations are to come with the bank, crypto platforms, and financial regulators over the coming months. Payback LTD has instilled in me integrity, discipline, honesty, and confidence that I will soon get a portion of my funds back, as we pursue the lost funds from the second crypto platform as we have more talks with the FTC and CFPB in that regard.

If you've fallen victim to an online scam or crypto scam specifically, I must recommend Payback LTD as they have personally served me well and educated me in the entirety of the financial and cybercrime space! I appreciate all the effort, dedication, and passion put fourth so far by the Payback LTD investigation team and have truly enjoyed the experience of working with them.

I will be sure to update my review when my funds have been retrieved (even partially), cheers everyone and keep the hope alive.:)

Update: I would like to announce I have recovered a majority of my lost funds some months ago from my bank! I was so relieved when I got there and it took so long...but I understood the path we were going down was going to take time (with higher chances of success). The bank finally conceded and held a mediation meeting with me and a third-party mediator to resolve the matter for an agreed upon amount to be reimbursed to my account. I got a little over 4K returned to my account and now I am awaiting the letters to send to the next patch of financial entities to continue pursuing funds from the crypto platforms.

I recommend Payback 1,000%!

They require a 10% down payment up front and another 10% of funds recovered, if recovered at all. The initial stage of funds recovery is the pursuit of money (POM). During this stage, they hold your bank liable for your loss by failing to detect the red flags of a scam. They would create a very detailed ADR protocol letter, which also includes all the evidence, documents, and bank statements you submitted at the start of the investigation, for you to submit to your bank. If the bank refuses to recover your funds, then the case will be escalated and Payback will create another letter for you to submit, and so on. The very last stage of escalation is a letter to your bank's ombudsman, who has the final say of whether the bank will reimburse you for your loss.

During the stage, the representative overseeing my case was very responsive and professional. However, unfortunately, Payback Ltd. was unable to recover any of my funds thus far. After speaking with the ombudsman over the phone, they stated that ultimately, we are responsible for who we send our money to and the ADR protocols stated were more relevant to UK, not Canada, which is where I'm from.

After forwarding the case manager the decision made by the ombudsman in early March, he said the next attempt for funds recovery is pursuit of identity (POI), which is where they attempt to pursue the actual scammer. I sent the case manager a follow up email some time last month to see the status of the case, but no response.

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Update (September 2022)

My case was forwarded to the investigations department and they prepared a preliminary investigations report, which is a document about 80 pages long specifying the fraudulent platform's entities and details, including IPv4 addresses, hashes, domains, GPS coordinates, DNS names, Google Analytics Tracking IDs, banners, tags, etc. I had a few phone calls with the representative from the investigator, who went over the document and the plan going forward.
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Update (November 2022)

I reached out to the investigations department via email to follow up, but not response. I also tried calling the investigator who was looking over my case, but his number was no longer in service, so I contacted Payback's main line and asked the customer service representative forward my inquiry to the investigations department.
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Update (January 2023)

The investigations department sent me 2 letters to send to GoDaddy.com, which is what the perpetrators used to create their platform. The letters specified the details of the scam, as well as GoDaddy's legal responsibility to disclose the information of the perpetrators.
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Update (February, 2023)

GoDaddy encouraged me to contact law enforcement on the matter. This response was forwarded to the investigations department, who proceeded to open a case on my behalf with GoDaddy. However, GoDaddy was not yet able to identify the scammers because the platform that they were operating on has been shut down. Their response was forwarded back to the investigators.

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Update (April, 2023)

The investigations department submitted to a complaint to ICANN. Unfortunately, addressing complaints about illegal activities, fraud, website content, spam, scamming, phishing, or otherwise abusive websites is outside of ICANN's scope and authority. ICANN does not provide domain name registration services or control web content, and has no ability to activate, suspend, or delete domain names. ICANN relies on governmental regulatory authorities and courts to police illegal activity and recommended contacting law enforcement as well.

The investigations department proceeded to submitting a complaint to the Internet Crime Complaint Center (IC3). Since the IC3 is an entity that is affiliated with the FBI in the US, they usually do not provide updates on the case, so a complaint to the International Consumer Protection and Enforcement Network (ICPEN) was also submitted.
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Update (June 2023)

The investigations submitted a complaint to the International Consumer Protection and Enforcement Network (ICPEN) at the end of April, but haven't heard from them yet.

One of their representatives called me in mid-May and left a message. However, when I tried to call them back MY PHONE APP NOTIFIED ME THAT THE NUMBER I WAS DIALING WAS FLAGGED FOR SCAM. When I emailed Payback about this, they did not respond, and I haven't heard from them, despite my follow up emails.
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Update (Jan 1,2024)

Still haven't heard from them regarding the recovery of my funds. However, I'm pretty sure that they've sold my information to other scammers, as I've been receiving numerous emails from various Payback imposters, as well as some parties that claimed that they've "won a legal case against Payback Ltd" and want to return the money I paid them. I wouldn't recommend dealing with them.

A few years ago, i lost over AUD 40k worth of bitcoins at golbtc. I had sent my money from my bank accounts at ANZ and Commonwealth Bank of Australia to bicoin traders at a third party bitcoin peer to peer exchange called localbitcoins to purchase bitcoins before sending these bitcoins to golbtc. After finding out it was a scam, i paid payback to recover these funds for me. After arguing with payback, i made several negative reviews directed at them. Since then, i have sued payback in an Israeli court through my lawyer, Yoram Fay, and won by default as they didn't file a defence.

I have received a copy of the court order demanding payback pay me compensation and cover my legal expenses. My laywer, Yoram Fay, is currently in the process of executing this court order to recover my recovery fee and legal expenses from payback.

There were many glaring problems with their recovery strategies. One of them was their claim of negligence by the third party website localbitcoins. I checked a regulator for this claim of negligence, and the person replied saying that it is legally wrong. The legislation payback wanted to use did not even mention anything related to compensation. Payback also wanted my banks to reimburse me the money i lost. There was no legal justification provided to achieve this. They just made the baseless claim that the third party website, localbitcoins and the bitcoin traders, are a "scam company", and that my banks didn't follow proper banking regulations. Payback mentioned SWIFT banking standard violations, which isn't a law. SWIFT wasn't even used as i wasn't even provided with a SWIFT code to use in the first place. I warned payback about retrieving money from the bitcoin traders at localbitcoins before they finalised this strategy, but they just ignored it and went ahead by drafting complaint letters.

As you can see, Payback did not provide any real legal arguments for any of their claims, and their website states that they don't provide legal advice. This strategy of providing fake legal threats to recover money from innocent third parties is laughable at best and shouldn't even be called scam recovery. I don't understand how a complaint letter drafted by payback is any more effective than a letter written by myself. Payback have obviously made every attempt to claim innocence, including lying to the Israel Consumer Council and maintaining that they had always told me they wanted to retrieve compensation from localbitcoins and the bitcoiun traders there before i paid my recovery fee.

As i have said in earlier reviews, the US Securities and Exchange Commission (SEC) have critiscized the scam recovery industry for being ineffectual in its scam recovery. Now, i have a successful lawsuit against payback to prove that they don't really recover anything. In my opinion, payback knows that their complaint letters don't do much. These letters are just there to fulfil their contractual obligation to you. Other people have made similar complaints if you look at other negative reviews. If they recover stolen money, it's not because of their skill, it's because the legal system involved (police, regulators e.t.c.) is able to recover it for you. There are a lot of positive reviews for payback. I have accused them of being fake in previous reviews, but those reviews were taken down, so i won't do it again here for fear of having this review taken down.