Vernora

Legal help recovering your money after fraud on trading, investment and digital-asset platforms

Vernora is a British practice that acts for people across Europe over money placed with fraudulent trading, investment and digital-asset platforms. We assemble the records, put the claim to the banks, payment providers and supervisors that can return it, and stay with the file until they answer.

Ask us to take up your case Follow a case through
We do the asking The letters to your bank and to the platform are written and sent by us
From EUR 3,000 The smallest loss this practice takes on
Banks, providers, supervisors The correspondence is put where the decision actually sits

No recovery can be guaranteed: whether money comes back is decided by a bank, a payment provider, a platform or an authority, never by us. What we change is how well the claim reaches them — and how early, which is why the first week matters more than the first month.

Before you write to us

A small British practice that does one thing: the legal work behind a recovery claim. The first reading of your file costs nothing.

Ask us to take up your case

  • Write in your own language

    A file is read in the language it arrives in. Each institution is then written to in the one it answers in.

  • Missing papers are part of the work

    What is missing is worked out here, along with where to ask for it. Holding all of it is not a condition of being read.

  • An older file is not turned away

    Some of the steps that follow carry time limits. Sending the file is not one of them.

Where a case fits

What We Take On to Recover, and What We May Decline.

Four things decide whether we can act on a matter. The two patterns below are indicative rather than exhaustive.

  • The amount

    Matters from EUR 3,000. Below that a review costs more than it can return.

  • There is somewhere to write to

    The money reached a company, a payment service or a bank — each of which keeps records and can be asked for them.

  • What can be shown

    Statements, transfer references and the correspondence that survived.

  • When it began

    Routes close as months pass, so an early file has more of them open.

Where the information cannot be verified, where the matter sits outside the jurisdictions we work in, or where too little documentation remains for a review to mean anything, we say so instead of opening a file.

A trading platform open on a laptop screen.

Trading and Broker Platforms

An unlicensed site, an “account manager” whose calls stop the day after each deposit clears, then a withdrawal that disappears behind verification steps or a tax payable in advance. We review the deposits, the statements and the correspondence together, and set out which of the bank, card-scheme and supervisory routes may be open to a matter of that shape.

What this covers

  • Withdrawals held back behind a fee, a tax or one more deposit
  • Accounts opened for forex, CFDs or binary options
  • A trading product sold on an AI or algorithm story
  • An adviser who managed the account for a share of the gains

Routes through banks, card schemes and supervisors

Send us the file
A laptop and papers on a desk being worked through.

Digital-Asset Platforms and Wallets

An exchange with nothing behind the website, a wallet approval signed while a stranger talked you through it, a coaching group that moves deposits on within the hour. Where the money left in crypto, the public ledger records which service received it, and that record is part of what a review examines.

What this covers

  • Wallet approvals signed while somebody talked you through it
  • Exchanges that exist only as a website
  • Support staff of a real exchange, impersonated by name
  • Group chats where everybody but you is part of the arrangement
  • Token sales that went quiet the moment the raise closed

Following the ledger to whoever received it

Send us the file

Beyond what we take: romance and relationship-based schemes, arrangements that never left a messaging app and never reached a platform, shopping and marketplace disputes, and money passed over in person. Say so in the form if that is where your matter sits — you will get a straight answer instead of a file kept open for the look of it.

Following the money

Where the Money Went, and Who Can Still Be Asked.

A transfer is rarely a single step. It passes through parties that keep records of their own, and each of them can be written to. What follows is the chain a review works along; how far it can be followed depends on the facts of the matter.

  1. The platform

    Where the money was sent, and the first name on the trail.

  2. The payment route

    A card, a transfer or an exchange — each leaves a different record.

  3. The receiving account

    Money lands somewhere real: an account, at an institution, in a name.

  4. Your own bank

    The one that let the payment go. The first place a claim is put.

  5. The card scheme

    If a card was used, its own dispute rules apply, on its own clock.

  6. The supervisor

    Providers answer to an authority. That authority can be written to.

  1. The platform

    The site itself is the starting point: what it called itself, who it said was behind it, which company name appeared on a receipt or a contract. Screenshots taken before it went quiet are worth more than a description written afterwards, and a domain that has since disappeared can still be shown to have existed.

  2. The payment route

    How the money moved decides what can be asked of whom. A card payment sits under one set of rules, a bank transfer under another, and a purchase of digital assets under a third. The route also fixes the clock: some of these have deadlines counted from the payment, not from the day the loss became obvious.

  3. The receiving account

    However the trail is dressed up, the funds end somewhere with a licence and an address. That institution keeps records of who opened the account and what happened to the balance, and it answers to the same rules as any other. Naming it is often the step that turns a story into a matter.

  4. Your own bank

    The bank at your end holds the fullest record of what left and when, and it is the counterparty you already have a relationship with. What it can do depends on how the payment was made and how much time has passed — which is why the file is put to it in a form it can act on, rather than as an account of what happened.

  5. The card scheme

    Card networks run their own dispute procedures, separate from the bank's own goodwill. They have categories, evidence requirements and time limits of their own, and a claim framed for the bank is not automatically a claim the scheme will look at. Where a card was involved, both routes are considered.

  6. The supervisor

    Payment firms, exchanges and banks are licensed, and their regulators take complaints about them. A supervisor will not return money, but it can require answers, and a matter recorded there stops being one person's private difficulty. Which authority applies depends on where the provider is licensed, not on where you live.

First message to closed file

How a Claim Is Built and Put, Stage by Stage.

  1. Enquiry Received

    An account of what happened, in whatever order it comes out, with the transfer details still to hand. The reply sets out what further information would help a review.

  2. Examination of Records

    Each transfer is set against a statement line and a message, and whatever is missing is named as missing rather than assumed.

  3. The Claim Prepared

    Which procedural routes may be open, in what order they would be approached, and what each asks of you. Nothing is filed before you have agreed to it.

  4. Filed, and Followed Up

    If a matter is accepted, the scope of the work and any fees are set out in writing. Replies are passed on as they arrive, the unfavourable ones included.

Before you write

Common Questions on Recovery, Cost and Timing.

No — and nobody honest will tell you otherwise. Whether money comes back is decided by a bank, a payment provider, a platform or an authority, never by the adviser writing to them. A promise made before anyone has opened your documents is the same promise the platform made you.

Matters are reviewed from EUR 3,000 upwards, and acceptance depends on the surviving documentation, the jurisdictions involved and the facts of the individual matter. What we can answer for is narrower, and it is all within our own control:

  • That a person reads your file, rather than a form sorting it
  • That you are told what the documents carry and what they will not carry
  • That a weak matter is called weak at the outset, not after months of billing
  • That nothing leaves this office before you have read it and agreed

Declining a matter costs us a client. Accepting one that cannot move costs you a great deal more — which is why the first exchange is the bluntest one you will have with us.

Send it over

Hand Us the Case.

A short account of what happened and the transfer details you still hold are enough to begin, on matters from EUR 3,000. Romance and relationship-led schemes, arrangements that never left a messaging app, marketplace complaints and money passed over in person fall outside what this practice takes.

A first name is needed here.
Enter a valid email address.
Pick the range that fits best.
Pick whichever type comes closest.

Sending this form does not create a client relationship, and it does not guarantee that the matter will be accepted for review.

Notes from the desk

Practical Notes on How These Matters Work.

Short pieces on how a file looks from this side of the desk: what to hold on to and when, what a border does to the work, and the moment people usually first feel that something is off.

Please read this part

Scope, limits and small print.

The work we take

We take disputes tied to investment and trading sites and to digital-asset exchanges and wallet services — cases where the money reached a platform, a payment provider or a bank account that can be identified. Falling outside that: romance and relationship-led fraud, messenger-only schemes where the funds never reached a regulated platform, e-commerce complaints and transactions made offline.

The smallest case we open

We open files on documented losses of EUR 3,000 or more. Anything under that we cannot take.

No outcome is guaranteed

How a case ends turns on its own facts, on the state of the documentation, on timing, and on third parties beyond our reach. What happened in earlier cases guarantees nothing about a later one.

This site is information, not advice

Everything published here is general information. None of it is legal, financial or investment advice, and the service is offered only to people aged 18 and over.

We never ask for keys or release payments

Nobody here will ever ask you for cryptocurrency, a seed phrase, a wallet key, or a payment made in advance to „unlock” or „release” anything. A request like that is the mark of a second fraud — tell us if one reaches you.