English centre / Unauthorised payments and banking fraud
How the issue is assessed
Notify the bank promptly through its official channel and identify each disputed transaction. Whether a payment was authorised, how authentication occurred, and the customer’s and bank’s conduct can affect liability. A criminal investigation into fraud and a civil claim against the bank are different processes. A fraud allegation alone does not establish automatic bank repayment.
Documents to prepare
Transaction dates, reference numbers, bank notifications, device and login information requested from the bank, complaint references and relevant communications.
Key distinctions and deadlines
Card-payment disputes and EFT, FAST or bank transfers do not share one universal chargeback route. An investigation should distinguish recipient recovery, bank responsibility and any interim remedy.
Preparing a focused claim
- Record what was promised, what happened and the dates of each event.
- Identify the legal person named in the agreement and the recipient of payment.
- Preserve the original records and organise exhibits in date order.
- State the requested remedy and explain each item in the amount claimed.
- Check jurisdiction and deadlines before filing; a message to a business does not automatically stop procedural time limits.
Committee or court?
For a qualifying consumer dispute in 2026, the committee threshold is below TRY 186,000. At or above this amount, assess the consumer court route, mandatory mediation and statutory exceptions. The classification of the transaction must be established first; private sales and public healthcare disputes can require a different route.
Can I act from abroad?
Discuss representation, service of documents and the necessary power of attorney. Where documents are in another language, the translation requirements depend on the intended filing. Avoid assuming a website inquiry is a formal application.
How legal assistance works
A consultation can examine the contract, chronology, evidence and possible remedies. Representation and any expert or translation costs are agreed for the actual scope of work. Sending an inquiry does not itself create representation or file a claim.
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Official sources
- Consumer Protection Law and regulations
- Consumer arbitration committees: 2026 procedure
- Distance contracts and withdrawal
Related English guides
Consumer rights · Committee applications · Consumer court · Foreign consumers