Mis-sold investment claims
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What is a mis-sold investment?
A mis-sold investment is when you’re given poor financial advice and end up with a product that isn’t right for you. This might be because the risks weren’t properly explained, the fees were hidden, or the investment simply didn’t suit your needs.
You might have been mis-sold if you felt pressured to invest or didn’t fully understand what you were signing up for. Bonds, ISAs, and unit trusts are common examples. If this sounds familiar, you could be owed compensation for the losses you’ve suffered through investment mis-selling.
How do I know if I’ve been mis-sold an investment?
You might have been mis-sold an investment if the advice you were given wasn’t right for your financial situation. Common signs include:
- The risks not being properly explained
- Feeling pressured into investing
- Not getting a suitability report
- Unrealistic or guaranteed returns
- Hidden or unclear fees
If any of the above sounds familiar, you could have a valid claim. Even if it’s been a few years, you could still be eligible to seek compensation for a mis-sold investment.
What is the process of claiming for a mis-sold investment?
Claiming for a mis-sold investment typically involves four key steps:
- Check your eligibility – Review whether you were given poor or unsuitable advice and suffered financial loss as a result.
- Gather evidence – This includes paperwork, emails, or statements showing what advice you were given and the outcome.
- Make the claim – Submit your complaint to the adviser, firm, or through a regulated claims company.
- Escalate if needed – If your claim is rejected, you can take it to the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS).
The process is straightforward, and with the right professional support, you won’t need to deal with it alone.
Start your mis-sold investment claim today – no upfront costs
If you lost money after buying an investment or receiving poor financial advice, call our team today. We’ve helped hundreds of people claim compensation for mis-sold investments, and we’re here to do the same for you.
Spencer Churchill Claims Advice will help you:
- Understand if you’ve been mis-sold and what you could claim for
- Deal with all the paperwork, deadlines, and legal steps
- Build a strong case using our decades of experience
- Claim with confidence using our no-win, no-fee agreement
- Get the most compensation you’re entitled to
What types of mis-sold investments can you claim for?
You can claim for a wide range of mis-sold investment products. Some of the most commonly mis-sold investments include:
- Mis-sold bonds (including 10-year bonds or loan notes)
- Unit trusts and OEICs
- Unregulated Collective Investment Schemes (UCIS)
- Storage pods
- Eco products or ethical forestry
- Carbon credits
- Overseas property and hotel schemes
- Chinese stock or overseas investments
- Farmland and car park schemes
- Forex trading and CFD trading
- Unquoted shares and preference shares
If you were sold any of these without the proper advice, you could be entitled to mis-sold investment compensation.
When should you make a mis-sold investment claim?
You should claim for a mis-sold investment if you’ve experienced any of the following:
Unsuitable investment advice
You were sold an investment that didn’t match your financial goals or risk tolerance.
Misrepresentation of high-risk investments
You weren’t told how risky the investment was, or the risks were played down.
No disclosure of fees and charges
Important details about fees, commissions, or charges were left out or hidden.
Promoting unregulated investments
You were encouraged to invest in high-risk or unregulated schemes without any safeguards.
Hidden or excessive fees
Your investment included unexpected fees that reduced your returns.
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How much mis-sold investment compensation could you get?
The amount of compensation you could receive for a mis-sold investment depends on how much money you lost and the details of your case. In general, claims try to return you to the financial position you’d be in if you hadn’t been mis-sold the investment in the first place.
This could include:
- The full amount you lost
- Interest on your losses
- Compensation for fees
In some cases, payouts can reach tens of thousands of pounds. Every claim is different, so it’s important to get expert advice to find out what you could be owed.
Time limits for mis-sold investment claims
There are strict time limits for making a mis-sold investment claim, so it’s important to act quickly. In most cases, you have:
- Six years from the date the investment was made
OR
- Three years from when you first realised something was wrong
This is known as the limitation period. If you miss the deadline, you could lose your right to claim, no matter how strong your case is.
What happens if you miss the deadline for mis-sold investment claims?
If you miss the deadline, you may no longer be able to claim compensation. That’s why it’s important to act as soon as you suspect something went wrong. In some cases, exceptions apply, so it’s always worth getting advice, even if you think you’re out of time.
How does our claims process work?
It’s worth finding out if you can get your money back. Here’s how our simple process works:
Funding your mis-sold investment claim
There are several ways to fund a mis-sold investment claim, many of which do not require you to pay legal fees upfront. These options make claims more accessible, even in complex or high-cost cases.
Conditional fee agreements (no-win, no-fee)
A conditional fee agreement (CFA) allows you to claim without paying legal fees unless the case is successful. If you win, a fee is taken from your compensation. If you lose, you don’t pay the legal fees.
Contingency fee agreements
With a contingency fee agreement, your solicitor takes on the case and is only paid if compensation is awarded. The fee is usually a set percentage of the final settlement. No fee is charged if the case is unsuccessful.
After-the-event insurance
After-the-event (ATE) insurance covers legal costs if your claim is not successful. It is commonly used alongside no-win, no-fee agreements and is particularly useful when the outcome of a case is uncertain.
Third-party litigation funding
Third-party litigation funding involves an external funder covering the legal costs of your case. In return, they receive a portion of any compensation awarded. This option is often used for high-value or complex claims.
Mis-sold an investment? We can help.
Bad financial advice can throw your plans off track, but it doesn’t have to stay that way. We’re here to help you take back control.
Our team specialises in mis-sold investment claims, helping you recover what’s rightfully yours.
From the moment you contact us, we’ll keep you informed and provide support at every step.
With years of experience, we’ll do everything we can to get your hard-earned money back in your pocket.
Why choose Spencer Churchill Claims Advice for your mis-sold investment claim?
When you work with Spencer Churchill on a mis-sold investment claim, you get a team that stands in your corner and knows what it’s doing.
- Dedicated case worker – One point of contact handles your claim from start to finish.
- Proven experience – With hundreds of successful claims, we know how to build strong cases that get results.
- No win, no fee – You won’t pay us a penny unless your claim is successful.
- Straight-talking support – We’re honest and transparent and keep you updated at every stage.
If you’ve been mis-sold an investment, let us help you claim back what you’re owed.
Real success stories: How we’ve helped clients just like you
We’ve helped hundreds of clients reclaim their hard-earned money after being mis-sold investments. Here are just a few examples:
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 expert advisors today. We'll review your situation, explain your options, and help you understand how much mis-sold investment compensation you could claim.
Start your mis-sold investment claim today
Fill in the form below to get started with a free, no-obligation assessment of your case. Our team will:
- Review your situation.
- Explain your options and rights.
- Help you take the next steps in recovering what’s rightfully yours.
Don’t worry – there are no upfront costs, and we’re here to make the process as straightforward as possible.
Receive a free call-back from a specialist to get started
Mis-sold investment claims FAQs
Do you have questions about mis-sold investment claims? Here are some answers to the most common ones we get.
What kinds of investments can I claim for?
You may be able to claim compensation for a variety of mis-sold investments, such as:
- Stocks and share ISAs
- Bonds
- Unregulated or high-risk schemes
- Pensions
If you were advised to invest in a product that wasn’t suitable for your needs, you could be entitled to a claim. Call our team today to check.
How do you start your mis-sold investment claim?
Start your mis-sold investment claim by contacting a claims advisor who will assess your case. They’ll review your documents, check your eligibility, and guide you through the next steps. Most claims begin with a free consultation.
How long do you have to make a mis-sold investment claim?
You typically have six years from the date you invested or three years from when you first became aware the investment may have been mis-sold. It’s best to act as soon as possible to avoid missing the deadline.
How much compensation could I receive?
The compensation you’re entitled to depends on several things, including:
- The size of your investment.
- The financial losses you’ve experienced.
- The quality of advice you were given.
We’ll assess your case and do everything we can to recover the maximum compensation possible. Contact us today for a free review and take the first step towards getting your money back where it belongs.
Will you have to go to court for your mis-sold investment claim?
In most cases, no, you will not have to go to court. Mis-sold investment claims are usually resolved through the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS).
What if your financial advisor or provider has gone out of business?
If the firm is no longer trading, you can still make your claim. Your case may be handled by the FSCS, which can pay compensation up to set limits if the advisor was regulated at the time.
What happens if my adviser is no longer trading?
If your adviser is no longer in business, you may still be able to claim through the Financial Services Compensation Scheme (FSCS), which protects consumers in cases of financial misconduct. Not sure where to start? We’re here to help – just give us a call.
What are common examples of mis-sold investments?
Common examples of mis-sold investments include:
- Unregulated Collective Investment Schemes (UCIS)
- High-risk overseas property investments
- Green energy projects
- Investment bonds
If you were advised to invest in these or similar products without being properly informed of the risks, you might have grounds for a claim.
Is there a time limit to make a claim for a mis-sold investment?
Yes. There are strict time limits – six years from the date of sale or three years from when you first noticed the issue. Claims outside this window may be rejected, so it’s important to act quickly.
Can you claim if you’ve already withdrawn money from your investment?
Yes. You can still claim compensation if you suffered a financial loss due to mis-selling – even if you’ve already withdrawn or closed the investment. What matters is the quality of the advice you received.
Do you need proof of the advice you received to make a claim?
While evidence such as emails, brochures, or statements is helpful, it’s not always essential. Claims firms and ombudsmen can investigate using available records and may request documents from the adviser or provider.
Take the first step towards clarity and compensation
Talking to us doesn’t commit you to anything. Our experts are here to answer your questions, offer support, and guide you through the mis-sold investments claims process. Get in touch today for clear, no-pressure advice.