I already paid. What do I do now?

THE FIRST HOUR - Contact your bank or card provider immediately. Ask to block the card and, for card payments, to start a chargeback (SEPA recall for transfers). - For crypto: nothing can be recalled, but report the wallet address — we log it on SCAMEND so others can check it. - Change passwords on anything you shared, starting with email — it is the key to everything else. THE FIRST DAY - Keep every message, screenshot, receipt and payment confirmation. Do not delete anything. - Note the exact amount, date, time and the account or wallet the money went to. - Report the fraud to your national police fraud unit (most European countries have an online reporting form) and to your bank's fraud team. - File a report on SCAMEND with the evidence — it warns others and feeds the identity graph. THE FIRST WEEK - Watch for follow-up scams: “recovery agents” who promise to get your money back for a fee are scammers. Genuine institutions never charge to help. - Ask your bank about the national fraud refund scheme — many EU countries have one for authorised push-payment fraud. - Tell the platform where you met the scammer (marketplace, dating app, social network) and report the profile. REMEMBER The money may be gone, but the story is not. Every report makes the next victim harder to reach.