After a broker or crypto loss, search results fill with helpers who promise to claw the money back through something called a “Refund Reserve”. Sites in this family have included names such as RefundMoney, RefMoney, FinansUrist and Broker-Refund. In ordinary payments language, a merchant reserve is money a processor holds back from a seller. It is not a public compensation fund that reimburses people who were fleeced by fake desks. Dressing that phrase up as an “official procedure” is the con.
The packaging repeats. Several domains share contact details and nearly identical success stories. Guaranteed hit rates float between “85%” and “almost 100%”. Copy insists there is no upfront fee, then softens you for “extra costs” mid-case — a transit account, a tax, insurance, a transfer charge. Broker-Refund style pages pose as exposé blogs about “bad brokers”, then funnel you into the same reserve story; leftover template text (“Lorem ipsum”, generic consulting slogans) sometimes sits next to claims of thousands of wins. That is a lead factory, not a law office.
Do not upload passports, bank statements or wallet keys to these forms. Do not pay to “unlock” a decision that only exists in their email. Verify any solicitor or firm through the regulator or bar register you find yourself, and treat unsolicited recovery offers as classic refund scams. Report the original loss and the second contact through Get help; your bank and local police still matter more than a glossy “reserve” landing page.
This article is for general information only. It is not legal or financial advice. Details change. If you have lost money, contact your bank or card issuer and use the routes on the help pages.