Virtually every type
of life policy or investment but the list below will help identify
the types of products frequently mis-sold.
• Pension Mortgages
• Protection policies (including whole of life plans) where
you have been asked to increase your premiums (taken out for family
protection, inheritance tax planning or to protect a borrowing)
• ISA’s/PEP’s (mortgage & non mortgage based)
• All types of endowment policies NOT linked to a mortgage
• Unit linked or With Profits Savings plans taken out for
any reason
• All types of investment Bonds (including MVA/MVR complaints)
Even if the plan has matured, lapsed, surrendered some years ago
or even if it made a gain you can still claim.
• Policies taken out before 29 April 1988 that were
sold by an independent financial adviser unless they were an independent
financial adviser of a bank or building society because complaints
against the latter can be pursued through the Financial Ombudsman
Service the majority of whom have signed up for voluntary jurisdiction.
• Investment
performance claims – However, in these cases we would still
review the quality of the advice to see if the sale was suitable.
If it is deemed the sale was unsuitable you could still be eligible
for compensation. So check with us anyway.
• Execution
only sales unless the sale was not a genuine execution only one
(i.e. where you did not make the request yourself for the product
and the company but were asked to sign the forms).
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