Question 1

Can you guarantee that my money comes back?

Accepted Answer

No, and anyone who guarantees it is either mistaken or lying. What determines the outcome is who received your money, which institution holds it, and whether that institution will cooperate. We will tell you what we think the realistic outcome is after we have reviewed your documents, and we will put that in writing before you commit to anything.

Question 2

What does it cost?

Accepted Answer

Opening an account is free, and we do not charge a recovery fee unless money is actually returned to you. If money comes back we charge 15–25% of the amount that actually reached you, at the rate agreed in writing before the case starts. If nothing is returned, no success fee is due. The only other charges that can arise are account-level ones, such as clearing a restriction on an account held for verification, and those are shown to you in the app with the amount before you authorise them.

Question 3

Are you a bank?

Accepted Answer

Solariem Trust Bank holds money for customers in multi-currency accounts, and money we recover for you is credited to the Solariem account it belongs to. Balances held with us are not covered by the FSCS, the FDIC, or any other deposit guarantee scheme, so treat a balance with us differently from money sitting in a bank current account. If you want to know which authorisations we actually hold, ask us directly and we will answer in writing rather than give you a marketing line.

Question 4

Is my money insured?

Accepted Answer

No. There is no deposit guarantee or deposit insurance behind a balance held with us. Treat money held with Solariem differently from money in a bank current account. The account agreement sets out exactly what protection, if any, applies, and we will give you a copy before you fund an account.

Question 5

How long does recovery take?

Accepted Answer

Most cases that succeed take between four and twelve months from the first filing. Cases that end in nothing usually end within three months, because the receiving institution confirms there is nothing to recover. A freeze order, if one is granted, is the single biggest factor in how fast money moves.

Question 6

What do you need from me to start?

Accepted Answer

Bank statements covering the period of the fraud, the transaction references for each payment you made, any messages or emails from the people who took the money, and a short written account of what happened and when. Missing documents are the most common reason a case stalls, so send everything you have even if it seems irrelevant.

Question 7

What if the money went to cryptocurrency?

Accepted Answer

Crypto transfers cannot be recalled the way a bank transfer can. What we can do is identify the wallet address that received the funds, work out which exchange or custodian it belongs to, and file a legal claim against that exchange. A chargeback does not exist on the blockchain side of a payment, so anyone offering one for a crypto transfer is describing something that is not possible.

Question 8

Will you keep my case confidential?

Accepted Answer

We treat your case as confidential and we do not sell or share your details. But we will never ask you to keep a case secret from your own lawyer, your bank, or your family. Legitimate firms have nothing to hide from advisers, and a request to do so is a warning sign rather than a reassurance.

Question 9

Do you work with regulators or law enforcement?

Accepted Answer

We are not affiliated with any regulator, police force, or government body, and we will never claim to have special access to them. We work through banks, exchanges, ombudsman schemes, and the courts. If a firm tells you it has contacts inside a regulator, that is not true.

Question 10

Who can open an account?

Accepted Answer

We accept applicants from the United Kingdom, the United States, Singapore, and the United Arab Emirates. You must be at least 18 years old and pass identity verification. Some restricted jurisdictions cannot be served, and we will tell you if that applies to you.

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