What Is a Mis-Sold Investment Claim?
A mis-sold investment claim arises when a financial product was sold, promoted, or marketed to you in a way that did not meet the standards required under UK financial regulation – and you suffered a loss as a result.
This does not only apply to cases where a financial adviser gave you unsuitable advice. It also covers situations where a product was sold directly to you without proper explanation of the risks, where an introducer or promoter misrepresented what you were buying, where the charges or terms were not made clear, or where the product itself was not appropriate for retail investors but was marketed as though it were.
Under FCA rules, anyone involved in promoting or selling a regulated investment to retail consumers has obligations. Those obligations include being honest about what the product is, who it is suitable for, what the risks are, and what could go wrong. If those obligations weren’t met and you lost money as a result, you may have grounds for a complaint.
The Financial Ombudsman Service considers a wide range of mis-selling complaints each year. Where the firm involved has since failed, the Financial Services Compensation Scheme can pay compensation of up to £85,000 per eligible claimant. The question is not simply whether your investment performed badly. It is whether the way it was sold to you met the standard it was legally required to meet.
How Compensation Adviser Reviews Mis-Sold Investment Claims
We carry out a free initial case review to assess whether the investment was sold, promoted, or marketed to you in a way that meets the required standards under FCA rules.
We identify whether the product was appropriate for retail investors, whether the risks and charges were properly disclosed, and whether the way you came to invest — through an adviser, platform, introducer, or direct promotion — raises concerns.
We review the evidence available — including any documentation you received about the product, how you were approached, and what you were told — to determine the strongest complaint route.
We prepare and submit your complaint to the relevant firm, setting out clearly where the obligations owed to you may not have been met and the losses you experienced.
If the firm refuses or under-compensates, we escalate to the Financial Ombudsman Service and manage the full process on your behalf. Where the firm has failed, we manage claims through the Financial Services Compensation Scheme.
FCA regulated, no upfront fees – 15% + VAT success fee only your claim is successful.
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Can You Claim Compensation for a Mis-Sold Investment?
The viability of a claim depends on several factors. How the investment was sold to you, who was involved in that process, whether any regulated firm or individual played a role, and what evidence is available. It does not depend solely on whether your investment lost money, and it does not require that you received formal financial advice.
Where a regulated firm was involved in selling, promoting, or introducing the investment — even if that firm was not your personal financial adviser — a complaint route may exist. If that firm is still operating, complaints are made to them directly. They have eight weeks to respond. If their response is unsatisfactory, your complaint moves to the Financial Ombudsman Service, which can award compensation of up to £430,000 for acts or omissions after April 2019.
If the firm has since failed and been declared in default, the Financial Services Compensation Scheme steps in. The FSCS can pay up to £85,000 per eligible claimant where the loss arose from the regulated activity of an FCA-authorised firm.
In both routes, the aim is to put you back, as far as possible, in the financial position you would have been in had the investment been sold to you properly — covering investment losses, charges paid, and opportunity costs where applicable.
