Mis-sold investment bonds
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What is a mis-sold bond?
Investment bonds are often sold as safe, long-term options to grow your money. But sometimes, poor advice or missing information can leave you worse off.
How to spot if you’ve been mis-sold an investment bond:
- You were told it was “low risk” without being warned about the downsides.
- The fees, charges, or penalties weren’t clearly explained upfront.
- You felt rushed or pressured into making a quick decision.
- The bond didn’t suit your financial goals or how much risk you’re comfortable with.
- You were promised unrealistic returns or guarantees.
Mis-selling often happens when advisers put their own commission first, pushing you into decisions that don’t actually work for you. This can leave you with products that aren’t right for your needs or fully explained.
If you think this happened to you, call our team. We will do everything we can to get your hard-earned money back where it belongs – in your pocket.
How we can help
At Spencer Churchill Claims Advice, we’ve helped hundreds of people just like you. From bad advice to straight-up misselling, we’ll fight your corner to get you what you’re owed.
Here’s what we offer:
- Expert Assessment: A free, no-obligation review of your case.
- Full Support: Help with gathering evidence, managing paperwork, and the full claims process.
- Proven Success: A dedicated team with a track record of helping clients reclaim their financial security.
Don’t let poor advice cost you your peace of mind. Take the first step towards compensation today. Contact us for a free consultation.
Real success stories from our clients
We’ve helped many individuals recover losses from mis-sold bonds. Here are just a few examples of the compensation we’ve secured for our clients:
Mr J: Armed Forces Pension Scheme
Compensation: 92,802.70
Mrs T: Inadequate Transfer Advice
Compensation: 50,000
Mr D: Mineworkers' Pension Scheme
Compensation: 159,822.82
Talk to one of our friendly advisors today. We'll review your situation, explain your options, and help you understand how much compensation you could claim.
What are my rights as a consumer?
If you’ve been mis-sold a financial product like an investment bond, UK regulations are on your side. Here’s what you need to know:
Advisors have to play fair
The Financial Conduct Authority (FCS) requires financial advisors to:
- Act in your best interests
- Be upfront about risks, fees, and whether a bond actually suits your needs
- Give clear, tailored advice based on your financial goals and comfort with risk
- Avoid pressure tactics or rushing you into decisions
Your right to compensation
If you’ve lost money because of poor advice, hidden fees, or a product that wasn’t right for you, you have the right to claim compensation. This can often be done through the Financial Ombudsman Service or the Financial Services Compensation Scheme (FSCS).
Legal protection has your back
Laws like the Financial Services and Markets Act 2000 and the Misrepresentation Act 1967 protect you from financial misconduct. If you’ve been misled or sold something unsuitable, these laws give you the power to take action.
Knowing your rights is the first step to getting your money back. If you think you’ve been mis-sold, we’re here to guide you through the process and help you claim the compensation you’re owed.
Spencer Churchill Claims Advice featured on:
Capital investment bonds and mis-selling
Capital investment bonds are often sold as a stable way to grow your savings, but they’re not always the right fit. Mis-selling happens when advisors push products that don’t match your needs or risk comfort.
Common mis-selling red flags:
- You were not informed of high fees or early withdrawal penalties.
- The risks of the bond weren’t clearly explained, leading to unexpected losses.
- The bond was unsuitable for your financial goals or retirement plans.
If any of these apply to you, you might have grounds for a compensation claim. Contact us today to discuss your case with our experts.
Take the first step toward recovery – call us today.
Getting in touch doesn’t commit you to anything. We’re here to listen and provide the support you need to start your mis-sold bond claim. We’ll guide you through the process, step by step, so you’re never on your own. If you’ve got concerns, we’ve got answers.
How does our claims process work?
Reclaiming your money from a mis-sold investment bond doesn’t have to be stressful. Our straightforward process means you’re supported every step of the way:
Mis-sold profits bond
Profits bonds are often sold as a way to get regular returns, but hidden risks can catch you out. Mis-selling happens when those risks aren’t explained, or the bond is made to sound safer than it is.
Red flags of mis-sold profits bonds:
- You were assured the bond offered guaranteed returns, but this wasn’t the case.
- You weren’t informed of the potential impact of market performance on your payouts.
- You were advised to invest without a full assessment of your financial situation.
If this sounds familiar, you could be entitled to compensation. Let us help you reclaim what’s rightfully yours. Contact us today for a no-obligation chat.
Bad investment advice cost you?
It doesn’t have to end there. We’ll help you recover your losses and get your finances back on track. Start your claim today.
You don’t pay unless your claim is successful, keeping the process fair and risk-free. With us, what you see is what you get.
We’ve helped people just like you recover compensation for mis-sold bonds, whether they were pressured into high-risk investments or misled about fees and risks.
From your first contact, we keep everything transparent. You’ll get straightforward updates and advice every step of the way.
Mis-sold bond solicitors you can trust
At Spencer Churchill Claims Advice, we understand the challenges of dealing with financial losses caused by mis-sold bonds. Our expert mis-sold bond solicitors provide clear guidance and unwavering support to help you reclaim your money.
Take the first step toward financial recovery. Call us today for a free, no-obligation consultation: 01204 929929
Start your mis-sold bond claim today
If you’ve been mis-sold an investment bond, taking the first step can feel scary, especially if you’ve been let down before. But we’re here to make it simple. No pressure, no upfront costs – just straightforward support to help you claim what you’re owed.
Here’s how we can help:
- Free initial consultation – We’ll assess your case and let you know if you’re eligible to make a claim.
- Expert guidance – Our specialists will handle the paperwork and regulations, and keep you informed at every stage.
- No-win, no-fee* – You only pay if your claim is successful, so there’s no financial risk to starting your case.
Why wait? Every day, people like you are getting their money back. Don’t leave your financial future hanging – fill out the form below or call us for a free, confidential chat.
Fill in this form and one of our team will be in touch for a free, friendly, no-obligation chat to assess your situation.
We’ll go through your options, your rights to making a mis-sold investment claim and discuss how we can move forward. And don’t worry, this a free assessment and we don’t take any up-front costs.
FAQs
We know dealing with a mis-sold investment bond can be confusing and stressful. To help you take the first steps toward claiming compensation, we’ve answered some of the most common questions people ask us.
What qualifies as a mis-sold investment bond?
A mis-sold investment bond happens when you receive advice that wasn’t suitable for your financial situation or goals. Examples include being pressured into high-risk products, not being told about fees or risks, or being guaranteed unrealistic returns.
Can I still claim if I’ve already withdrawn money from my bond?
Yes, you can. Even if you’ve accessed or withdrawn money from your bond, you may still be entitled to compensation if the investment was mis-sold. Contact our team for a no-obligation review to find out more.
What if my financial adviser has gone out of business?
You can still claim. If the adviser responsible for mis-selling your bond is no longer operating, we may be able to help you file through the Financial Services Compensation Scheme (FSCS), which exists to protect consumers in these situations.
How long do I have to make a claim?
Typically, you have six years from the date of the advice or three years from when you realised (or should have realised) the bond was mis-sold. If you’re unsure, speak to us – we can confirm whether you’re within the time limits.
How much compensation could I receive for a mis-sold bond?
The amount depends on your individual circumstances, including the size of your investment and the financial loss you’ve experienced. While we can’t promise a specific outcome, our team works tirelessly to secure the maximum compensation possible.
Do you know how people complained about mis-sold investments and pensions in the last year?
A lot. Over twenty thousand complaints were made about mis-sold pensions and investments in 2020/21, a figure which had doubled since the year before.. It’s no secret how serious this problem is, and it just seems to keep getting worse.
Have you been a victim of financial mis-selling?
Spencer Churchill Claims Advice will:
- Speak to you in plain English
- Provide you with a dedicated claims specialist
- Pay attention to the small details of your case
- Keep you up to date with the status of your claim
- Make sure you understand our charges
- Do absolutely everything we can to win your claim