Since a motor accident in June my mental health has spiked even more than ever. I have suffered with stress and health anxiety for years and it’s been a huge problem i have been trying to get on top of that for the last few months well at least to reduce it.

Other day i was subjected to Authorised Push Payment scam, not sure if i was tired after work, coming of my antidepressants to try some new ones, my anxiety/stress in general or what. I know you can get brain fog and stuff like that but looking back i feel such an idiot and it was so obvious it was a scam but at that moment of time i was oblivious and all i wanted to do was protect my bank but i did the opposite. I basically ended  up emptying my bank account to a scammer.

Did all the right things contacted my bank and everything, they refunded me the loss of overdraft money which was not allot but my own physical money they rejected. I know its not the banks fault and all that but surely they should have some insurance in place for when these things happen to people especially the elderly. Their reason was because i approved the payment so they can’t refund it but i approved the payments which were in my overdraft but they refunded that so it doesn’t make sense. They aren’t signed up to the APP code thing but follow strong principles but somehow i don’t believe that. 

Basically i just want some advise and help, i never mentioned my mental health to the bank, would it be a pointless thing to do? and in two minds if i should take it further or not. 

This has to be the worst year in a long time, just really want my money back for me and my family.