Tim was scammed out of $222,000. He says the bank should have to give his money back

Tim Watkins was the victim of a bank impersonation scam through a text message. Photograph: Christopher Hopkins/The Guardian

If Tim Watkins had still been living in the UK when he was scammed out of $222,000, he thinks he might have got all the money back.

British banks are already subject to a voluntary code for reimbursing scam victims and when new rules come into force next year they will be required reimburse victims.