Specialist financial mis-selling solicitors

The world of investments, pensions and tax is complex. When it comes to advice in this area, a claim may be on the horizon if you’ve received, and acted upon, inadequate or misleading professional advice and lost money as a result.

For example, being encouraged to make investments which presented more risk than you’d been led to believe, or encouraged to take part in a tax-mitigation vehicle without having had the potential downsides fully explained to you.

Yes, if you’ve been given poor or unsuitable advice from a financial adviser that caused you to suffer financial loss, you may be able to bring a claim for professional negligence. This could involve being advised to invest in high-risk products that were unsuitable, take part in a tax avoidance scheme without being fully informed of the consequences, or transferring or withdrawing pension funds in a way that left you worse off.

Financial advisers have a legal duty to provide accurate, suitable and transparent advice based on your individual circumstances. When they fail to do so – whether through negligence, misrepresentation or breach of regulatory standards – you may be entitled to compensation.

Yes, if you invested in a cryptocurrency or blockchain scheme based on misleading advice, you may have grounds for a claim. Many were led to believe these products were regulated, insured, or low-risk, when in reality they were none of those things. We assess the conduct of the adviser, the regulatory status of the investment and the suitability of the product for your individual circumstances.

A UCIS (Unregulated Collective Investment Scheme) is a type of high-risk investment not authorised for general retail investors. These are often complex and opaque, involving assets like overseas property, forestry, or alternative energy. They should only be promoted to experienced or sophisticated investors, but in many cases, they were recommended to ordinary consumers without proper warnings or suitability checks.

If you were encouraged to invest in a UCIS without understanding the risks, you may have been mis-sold and could be entitled to claim compensation.

Not all tax avoidance schemes are illegal, but many are now being challenged by HMRC – and some turn out to be outright scams. The issue lies in how these schemes were presented to investors: often as “HMRC-approved” or “compliant,” when they were actually high-risk. Misleading tax advice can leave you facing large, unexpected tax liabilities and penalties.

If you were sold a tax saving scheme that’s now under HMRC scrutiny, we can help determine whether you received negligent advice and may be eligible to claim compensation.

Yes, there are time limits, which can be complex and strictly enforced. Typically, you must bring a claim within six years of being mis-sold or three years from the date you first became aware of the issue.

However, different time limits may apply depending on the type of financial product, the provider and whether your claim needs to go to Court or through the Financial Ombudsman.

We recommend seeking legal advice as soon as possible to avoid missing the opportunity to make a claim.

You may be able to claim if a financial adviser encouraged you to withdraw your pension savings before retirement age – particularly if they failed to warn you about the substantial tax penalties involved. These so-called “pension liberation” schemes often result in significant financial loss and are a growing area of regulatory concern. Our team can advise you on whether you have a viable case.

Not necessarily. Generally speaking, claims can be brought (and settlements agreed) whilst the mortgage remains in place or within 6 years of it being redeemed. Our team has in-depth understanding and expertise when handling disputes arising from shared appreciation mortgages and can advise you and your family on your options.