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Romance Scams Advice

If you’ve lost your money in a romance scam, we can help you get it back with our specialist fraud recovery service

100% No Win No Fee

Romance Scams Advice​

If you’ve lost your money in a romance scam, we can help you get it back with our specialist fraud recovery service

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We Are Romance Scams Advice

How We Can Help You

If you’ve lost money to romance fraud, then you may understandably feel heartbroken as well as cheated. A lot of our clients also tell us how they keep their problem to themselves and do not seek out help or support. 

There’s nothing to feel embarrassed about in losing money to a romance scam. As we explore below, these scams are highly psychological and very sophisticated. They’re a lot more common than you think as well. 

So there’s no need to suffer in silence. Our service is designed to help take the stress from your shoulders. We’ll work tirelessly to get your money back, so why not get in touch with us today to see if we can help?

More than £94 million was lost to romance fraud in 2023/34*

There’s no need to feel embarrassed about losing money to romance fraud. It’s a lot more common than you think. We’re here to help you get your money back. 

*Figures from the City of London Police

What Are Romance Scams?

A romance scam occurs when a fraudster pretends to be in a romantic relationship with someone to manipulate them into sending money or personal details. These scams typically take place online, on dating sites, social media platforms, or messaging apps.

Unlike traditional scams, romance fraud is highly psychological. Scammers build deep emotional connections over weeks or even months before asking for money. Victims may lose thousands of pounds, and the emotional impact can be devastating.

Let’s look at how they work.

How Do Romance Scams Work? A Step By Step Guide

Romance scams follow a common pattern. Here’s how they typically unfold:

  1. The Approach – The scammer contacts the victim via an online dating platform, social media, or even a text message sent by mistake.
  2. Building Trust – They spend time developing an emotional connection, messaging daily and making grand declarations of love.
  3. Creating Urgency – At some point, the scammer invents an emergency or financial difficulty, such as medical bills, visa issues, or business troubles.
  4. The Financial Request – The scammer asks the victim to send money via bank transfer, gift cards, or cryptocurrency.
  5. Continuous Exploitation – If the victim complies, the scammer continues to ask for money, often using guilt or fear to manipulate them.
  6. Disappearance – Eventually, the scammer vanishes, leaving the victim heartbroken and financially drained.

How To Spot The Signs Of A Romance Scam

Identifying a romance scam early can prevent financial and emotional harm. Scammers are skilled at manipulation, but there are clear warning signs to watch for. Look out for these red flags:

🔴 Too Good to Be True – Scammers often use stolen photos of attractive individuals and create fake profiles that seem almost perfect. They may claim to be wealthy business owners, doctors, engineers, or high-ranking military officers. Their stories often make them sound like the ideal partner—successful, kind, and looking for true love. If someone appears too flawless and their life sounds like a romantic movie, proceed with extreme caution.

🔴 Moving Too Fast – A major red flag is when someone professes love or deep affection very early in the relationship. Scammers use phrases like “I’ve never felt this way before,” “You’re my soulmate,” or “I can’t wait to spend my life with you”—sometimes within just days or weeks of chatting. This tactic is known as “love bombing,” and it’s designed to create emotional dependence so the victim feels obligated to help them later.

🔴 Avoiding Face-to-Face Contact – Scammers rarely agree to video calls or in-person meetings. They always have excuses: “My camera is broken,” “I’m in a classified military operation,” or “I’m on an oil rig with no signal.” Even if they do send videos, they’re often stolen from someone else’s social media. If someone consistently refuses to meet or video chat, it’s a major warning sign.

🔴 Strange Requests for Money – This is the biggest red flag. Scammers invent urgent financial crises to manipulate victims into sending money. Common excuses include:

  • Travel funds“I want to visit you, but I can’t afford the ticket right now.”
  • Medical emergencies“I’ve had an accident and need help paying for surgery.”
  • Business troubles“My bank account is frozen, and I need a short-term loan.”
  • Military expenses“I need money for leave paperwork to come home.”
  • Crypto investments“I have an amazing investment opportunity for us!”

They may initially ask for small amounts to test the victim’s willingness, but once they succeed, the requests rapidly escalate to thousands of pounds.

🔴 Poor Grammar and Spelling – Many romance scammers operate from foreign call centres and use broken English or unnatural phrasing. Watch for odd sentence structures, strange word choices, or overly formal speech that doesn’t match their supposed background. Some scammers use translation software, which can create awkward or repetitive messages.

🔴 Unverifiable Personal Details – Scammers often lie about their identity and provide little to no verifiable information. Many claim to be:

  • Deployed military personnel who cannot talk freely due to “classified missions.”
  • Oil rig workers or engineers on overseas contracts, making it difficult for them to meet in person.
  • Doctors working in war zones who need financial help for medical supplies.

If their social media presence is suspiciously empty, or their dating profile seems too polished, be wary. Reverse image searching their profile picture can sometimes reveal it has been stolen from another person’s social media or a model’s portfolio.

Real Examples Of Romance Fraud

Romance scams are forever in the news, and below we’ve included a mix of different examples to illustrate how sophisticated and damaging this type of fraud can be.

More Than £200,000 Lost In A Romance Scam

In February 2025, the BBC reported that a Northern Irish man lost over £200,000 in a romance scam after believing he was in a relationship with a woman he met online in 2020.

Over two years, he sent money for supposed medical bills and legal fees. The scammers even used a fake banking website to convince him of repayments. Despite never meeting the woman, he continued paying until he was in serious debt. Fortunately, he was able to recover his money. 

£80,000 Lost In A Dating Scam

A BBC investigation in 2024 uncovered a romance scam in which criminals used a fake online bank to steal £80,000 from Kirsty, a florist and single mother from Harrogate.

After meeting a man online who claimed to be a wealthy businessman, she was persuaded to access what appeared to be his online bank account to help him transfer funds.

The man later claimed his account had been “frozen” due to her actions and pressured her into transferring her own money to cover his expenses. He initially provided a convincing fake banking website, showing a balance of $600,000, to gain her trust.

After claiming he had been injured in an attack in Turkey, he requested assistance with hospital bills but initially refrained from directly asking for her money. Instead, he manipulated her into making payments from his fake bank account, which appeared legitimate. When the account later “locked her out,” he blamed her and demanded she cover the costs, promising repayment.

Through continuous emotional manipulation, the scam escalated, and Kirsty ultimately lost £80,000—including £50,000 borrowed from her family—before realising she had been deceived. Her case highlights the growing sophistication of romance scams and the devastating impact they have on victims.

How Common Are Romance Scams?

According to data obtained by Action Fraud Claims Advice, 39,861 dating fraud cases have been reported over the past five years, with victims losing a staggering £409.7 million—an average of over £10,000 per case.

Reports of romance scams have risen by 27%, with a peak in 2021 due to lockdowns, reaching 8,678 cases. After a slight decline in 2022, cases climbed again, with 8,548 reports in 2024, nearing 2021’s record.

You can also head here to read our guide exploring whether romance scams are now higher than ever before. And see below for our infographic.

romance fraud statistics infographic
Data Source: City of London Police’s National Fraud Intelligence Bureau (NFIB)

Can I Get My Money Back If I've Been Scammed?

Recovering lost funds depends on how the money was sent:

  • Bank Transfers – Some UK banks refund fraud victims under the Contingent Reimbursement Model.
  • Credit Cards – Section 75 of the Consumer Credit Act may offer protection.
  • Cryptocurrency & Gift Cards – Unfortunately, these transactions are typically irreversible.

If you’ve been scammed, contact your bank immediately and report the fraud to Action Fraud. Romance Scams Advice can help you navigate your recovery options, so why not get in touch today to see if we can help you

Frequently Asked Questions

Romance scams can last weeks, months, or even years. Scammers take their time to build trust before requesting money.

This scam involves fraudsters convincing victims to invest in fake cryptocurrency schemes, often promising huge returns.

Scammers impersonate soldiers, often claiming to be deployed in war zones. They invent reasons why they can’t access their funds and ask for money.

A sophisticated scam where fraudsters groom victims over months before convincing them to invest in fake trading schemes, draining their savings.

A scam where fraudsters pretend to be oil rig engineers, claiming they’re stranded offshore and need financial help.

Yes, Facebook is a hotspot for romance scams. Fraudsters create fake profiles to target victims through friend requests and Messenger chats.

If you’ve been scammed, report it immediately to:

  • Action Fraud (UK’s national fraud reporting centre)www.actionfraud.police.uk
  • Your bank – Request a fraud investigation.
  • The platform where the scam took place – Dating sites and social media platforms often have reporting tools.

For expert guidance, consult Romance Scams Advice today.

To stay safe:

  • Verify Identities – Reverse image search profile photos and look for inconsistencies.
  • Be Skeptical of Requests for Money – Never send money to someone you haven’t met in person.
  • Use Secure Platforms – Stick to reputable dating sites with fraud prevention measures.
  • Educate Yourself – Stay informed about new scam tactics.

If you’re unsure about an online relationship, Romance Scams Advice offers expert support and resources.

If you want help making a romance fraud claim to recover your funds, get in touch

If you want help making a romance fraud claim to recover your funds, get in touch