Fraud & Financial Crime

Fraud & Financial Crime Solicitor Birmingham

Fraud offences range from benefit fraud and mortgage fraud to large-scale financial crime. David Roy has acted as litigator in significant fraud trials including R v S (the Kieren Fallon horse race fixing trial) and Operation Hornet (HBOS Reading branch fraud). He defends individuals facing fraud allegations across Birmingham and the West Midlands.

Fraud Act 2006 offences

The main fraud offences are fraud by false representation (section 2), fraud by failing to disclose information (section 3), and fraud by abuse of position (section 4). Each requires proof of dishonesty and an intent to make a gain or cause a loss. The maximum sentence is 10 years imprisonment.

Early advice is critical

Fraud investigations often begin with a request for documents, a voluntary interview, or a search warrant. What you say and produce in the early stages can determine whether you are charged or the case is dropped. David advises clients before any formal interview.

Serious and complex fraud

For serious or complex fraud investigated by the Serious Fraud Office or HMRC, see David’s dedicated business crime pages. This page covers Fraud Act 2006 offences prosecuted by the police or Crown Prosecution Service.

Frequently asked questions

Common questions

What is fraud by false representation?
Fraud by false representation under section 2 of the Fraud Act 2006 involves making a false representation dishonestly and with intent to make a gain or cause a loss. The representation can be express or implied and can be made by any means.
Can I be convicted of fraud if no one actually lost money?
Yes. The Fraud Act 2006 offences are complete when the dishonest act is done with intent to make a gain or cause a loss. Actual loss is not required.
What should I do if I receive a letter from the police about a fraud investigation?
Do not respond without taking legal advice first. David advises on the best course of action in the specific circumstances.
Is legal aid available for fraud cases?
Legal aid is available for fraud cases in the magistrates’ court and Crown Court, subject to a means and merits test.

Facing a charge in Birmingham? Call David Roy.

Free police station advice available. Call 07525 802931 for a confidential, no-obligation discussion.

Call 07525 802931