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Losses from financial fraud totalled 拢768.8m last year and criminals are using increasingly sophisticated methods to target your cash. If you lose money after paying by credit or debit card, there are protections in place which allow for a refund while the matter is investigated.

However if you're tricked by a fraudster into sending cash by bank transfer, which allows for the movement of substantial amounts of money, there's no similar safeguard. Instead banks have a regulatory right to refuse to reimburse if they decide a customer has acted with gross negligence.

How is gross negligence determined and how much responsibility should lie with customers when bank transfers go wrong?

Joining Paul Lewis to discuss are bank fraud consultant Richard Emery, Nikki Worden Partner at Osborne Clarke who specialises in the regulation of financial services for consumers and small businesses and Pete Moorey, Head of Campaigns at Which?

Has your bank account been targeted by fraudsters? Did you manage to get your money back? Call 03700 100 444 between 1pm and 3.30pm on Wednesday 11 October, standard geographic charges from landlines and mobiles will apply.

Or e-mail your questions and experiences to moneybox@bbc.co.uk

Presenter: Paul Lewis
Producer: Charmaine Cozier
Editor: Andrew Smith.