"You could recover your money" refers to a future possibility not a past action or possibility.
"You could have recovered your money" refers to not a past action but rather to something that could have been done in the past.. The English is confusing , however much the hint says it is a past action.
I understand that using "could" without context is going to make you think about a conditional (podría in Spanish in this case) but "could" can also be talking about a past action (this is why use are giving the hint) -I have nevertheless changed the verb to "were able to..." so there is no other interpretation here but a past action. I hope this helps.
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