Notes from a recovery house

Occasional writing on how modern fraud actually works — for people who need it, and for those advising them.

01 —

Investment fraud

Featured · 6 min · May 2026

Spotting a cloned broker before you deposit

The most expensive investment scams of 2025 all began the same way: an ad, a familiar-sounding name, and a first small withdrawal that succeeded. Here is what to check in the ninety seconds before you send money.

Read the piece

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UK regulation

The PSR reimbursement rules, one year on

In October 2024 the UK Payment Systems Regulator introduced mandatory reimbursement for most APP fraud victims. We look at what has actually changed for claimants, and where the loopholes remain.

8 min · Mar 2026

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Nordics

How BankID and MitID manipulation actually works

Nordic digital-ID systems are among the most secure in Europe — which is precisely why scams here target the person, not the technology. A calm walkthrough of the four scripts we see most often.

7 min · Jan 2026

04 —

Consumer protection

The second scam: "recovery rooms" that target victims

Within weeks of losing money to one scam, most victims are contacted by a second — a fake recovery firm offering to get the money back for an upfront fee. This is how to tell them apart from us.

5 min · Nov 2025