That this House regrets the rising prevalence of bank transfer scams; recognises the devastating effect of banking fraud on hundreds of ordinary people across the country who are often tricked into losing their entire life savings; notes a recent survey carried out by consumer group Which? which found that of the 650 respondents, £5.5 million was lost through scams, and very few people got their money back; believes that banks have a duty to help their customers get their money back when people get scammed; and calls for heavy penalties to be imposed on banks that do not help scam victims to get their money back.