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Mis sold Investment Plans
Mis sold Investment Plans
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Banking Claims » Mis sold Investment Plans

If you bought a new car for your daily motorway commute to work, and discovered once you bought it that it wouldnt go over 30mph, you could rightly claim you were mis-sold to by the dealer - and get the product you really wanted. A mis-sold savings or investment product isnt as simple. It might be years before you discover the problem - and by then you could have lost critical funds that you and your loved ones were relying on for the future. All because someone failed to give you suitable advice - or took the time to understand your unique circumstances, and what you wanted to achieve with your product.

Sadly, many consumers have discovered that such trust was misplaced. According to the Financial Conduct Authority (FCA), the advice investors receive should be clear, fair and not misleading', and suitable for the clients investment objectives. But in many cases, the opposite has turned out to be true - and the advice has been neither transparent nor consistent with customers needs.

To give you an idea of what can happen as a result of poor advice - and how the EMCAS claims process can help right a wrong - read the case study below.

Mr W (aged 48) invested 3000 pounds in a Stocks and Shares ISA with an investment group (lets call them ABC Investments) in 2000. When he cashed his ISA seven years later, he was in for a nasty shock. Half his investment had gone, leaving him just 1500 pounds.

Now although ABC agreed with our complaint, they made a compensatory offer of just 530 pounds which didnt even cover the loss of the clients original investment.

The revised offer from ABC was for 2300 pounds however our experienced Claims Managers indentified that this offer was still below the amount that should have been paid so went back to ABC to insist it recalculates the offer.

Original Sum invested 3000 pounds

1st compensation offer 530 pounds

Accepted Compensation 3660 pounds.

We recommend asking yourself these questions to help identify if you may have received unsuitable financial advice about your saving and investment products.

Ask about your attitude to risk, investment objective and target value?

Discuss with you what you would do as an alternative if an investment didnt perform?

Take into account your level of investment experience?

Discuss alternative products with you?

Outline the advantages and disadvantages of your product in full?