The Black Swordsman

A practical guide for victims of online fraud in Sweden: report to Polisen, call your bank, and use your refund rights under the Swedish Payment Services Act (PSD2). Covers the EUR 50 cap on unauthorised payments, the BankID gross-negligence carve-outs, and how to escalate a dispute to ARN.

A practical, victim-facing guide to reporting cybercrime and online fraud in Ireland: who to call first, how to report to An Garda Siochana, and how PSD2 refund rights work for unauthorised payments versus scams where you were tricked into paying.

A practical guide for victims of online fraud and mobile money scams in Ghana: who to call first (Ghana Police 191 or 18555, the Cyber Security Authority on 292, your bank or MoMo provider), how recovery actually works, and what evidence to gather.

A practical, victim-facing guide to reporting cyber fraud in Colombia: call 123 in an emergency, file online through the Policia Nacional CAI Virtual and the ADenunciar portal, contact your bank immediately, and use the Superintendencia Financiera for bank disputes.

A practical, victim-facing guide to reporting cybercrime and online fraud in Belgium: who to call first, how to report to the police and Safeonweb, how to block your cards with Card Stop, and how the PSD2 refund rules decide whether you get your money back.

If you were scammed online in Argentina, report to the cybercrime prosecutor UFECI, call your bank immediately and, if it stalls, escalate to the Banco Central. Here is the exact route and the refund reality.

A practical, victim-facing guide to reporting online fraud in Vietnam: the police number, the official NCSC scam-reporting portal, the 156 hotline, and the honest truth about getting your money back.

Lost money to an online scam in Spain? Here is exactly how to report it to the Policia Nacional or Guardia Civil, call INCIBE on 017, and claim a refund under PSD2.

A victim-facing guide to reporting cybercrime and voice phishing in South Korea: emergency numbers (112, 118, 1332), the police ECRM online report system, and how the bank account payment-suspension and refund process actually works for telecom financial fraud.

A practical, victim-facing guide to reporting online fraud and cybercrime in Saudi Arabia: the Kollona Amn app, emergency numbers, your bank, SAMA consumer protection, and the honest truth about getting your money back.

A step-by-step guide to reporting online fraud and cybercrime in Poland: the 112 emergency line, the Police and gov.pl crime-report route, CERT Polska's incydent.cert.pl form and the free 8080 SMS shortcode, plus how the PSD2 unauthorised-payment refund and the Financial Ombudsman dispute route actually work.

A practical, victim-facing guide to reporting online fraud and cybercrime in Mexico: call 911 in danger, report to the Guardia Nacional Policia Cibernetica (CERT-MX) on 088, freeze your accounts, and dispute unauthorised charges through your bank and CONDUSEF.