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Complete Guide to Mis-Sold Investments

If you were sold an investment that did not meet your needs or was misrepresented in any way, you might be eligible to claim your money back.

If you have lost money on an investment, it can be difficult to know if you have received unsuitable advice or been mis-sold an investment.

Our team of advisors can help to determine whether the advice you received met professional standards of the Financial Conduct Authority (FCA), who are the UK regulator for the financial services industry.

Whether you have discussed your case with the Financial Ombudsman Service or looked into the Financial Services Compensation Scheme (FSCS), we can still offer you a free consultation to determine whether we will be able to help.

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What would count as financial mis-selling?

To give you a better idea of what would count as financial mis-selling, here are some questions you should ask yourself about the advice you received for your investment.

  • Were you advised of how much money you could lose over your investment?
  • Did the advisor explain what alternatives were available if the investment was unprofitable?
  • Did the advisor explain all the annual management charges to you?
  • Were you allowed to explain your hopes for the investment, and was this given due care and consideration by the advisor?
  • Did you have the full terms, including any early withdrawal penalties, explained to you?
  • Was how the investment worked fully explained to you by the advisor?
  • Were all the risks involved properly explained by your advisor?
  • Were you advised that there was a risk of losing money at the end of your investment period?
  • Were you asked by your advisor whether you had plans for any returns on your investment such as health care, retirement, holidays or school fees?
  • Did your advisor take the time to ensure you fully understood the investment opportunity?
  • Did the advisor enquire about other investments you may have had at the time?

You might have been mis-sold an investment if you had said no to any of these questions. If any of the following scenarios are similar to the experience you had, you may have been pressured into your investment.

  • You felt under any pressure to invest.
  • The advisor focused on one product and did not offer any alternatives that may suit your needs.
  • You were advised you would get a higher return by moving funds from an existing investment to a different one.
  • The advice led you to believe that you were as good as guaranteed a good return on your initial investment.
  • You were advised that the initial capital was safe even if the investment did not yield a profit.
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What kind of investment products could have been mis-sold?

Any investment opportunity that has been improperly sold to you can be classed as a mis-sold investment. This can include being misinformed, being led to believe the risk is negligible, not being given enough information about the investment opportunity or not being informed of other investment opportunities and focusing on one.

Here are some examples of investments that you may be able to claim compensation for if they were mis-sold to you.

  • Mini-bonds
  • Bonds investment
  • PEP claims
  • Unregulated collective investment schemes
  • Unit trusts
  • Open-ended investments

If you have invested in any of these and feel that they were not properly represented, get in touch with us for a free consultation to let you know if you would be eligible for a claim. Our service can help you get what you are entitled to.

Make A Mis-Sold Pension Claim

Fill in the form below 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 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.

Information that can help claims for mis-sold investments

The following information can help with a mis-sold investment claim;

  • Paperwork from your investment
  • Details of when you were first contacted regarding the investment opportunity
  • Whether the investment was moved
  • What the adviser recommended you
  • The name of the advisor or advisors you spoke to
  • The total amount you invested

Don’t worry if you no longer have or can remember all of the information mentioned above, as we can still help.

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Making claims for mis-sold investments advice

If you are ready to make a claim, our team of expert advisers can help. As a authorised and regulated service, you will have peace of mind knowing that we are in the perfect position to help all of our clients with their personal claims.

You may be entitled to compensation if your complaint is upheld and it is found that the financial adviser that sold your product did so without your full understanding of the financial product or risk involved.

By getting in touch with us today, we can give you a free initial assessment with no obligation, so you’re fully informed about the options available to you.


How can I start a claim?

If you are ready to start your claim after speaking to us for your free consultation, just let us know, and we will be able to send you the paperwork needed to begin.

How much compensation could I receive?

The amount of compensation you may be entitled to can differ depending on the initial investment and the amount lost.

We will always look to win you the maximum amount possible and keep you informed during your claim process to keep you aware of what is happening.

Is there a cooling-off period for a compensation claim?

After you have signed up, you will have a 14-day cooling-off period, which means you can cancel at any time within the 14 days for any reason with no cost.

How long will a compensation claim for a mis-sold investment take?

The length of time it takes to process a claim varies depending on the claimant’s individual circumstances, so we can’t promise a case will be resolved within a set amount of time.