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Unregulated Investments

What is Investment Mis-selling?

Investment mis-selling is when the advice you received regarding an investment has resulted in you investing in a product that wasn’t suitable for you or wasn’t what you were told it would be.  Poor investment advice is the recommendation to invest in a product that is not compatible to you or your needs.  Or it may be that the advice to invest was deliberately misleading or reckless.

Most people accept they are willing to take some risk, and they knew they may lose money.  But many people have lost more than they can afford.

If you have lost more than you could afford, you may be able to claim compensation.

Advisers must assess your needs, circumstances, level of risk and affordability before making a recommendation to invest your money. They have the job of making sure that the investment is suitable for your level of risk, your experience and knowledge in investments, and how much you can afford to lose

If you have lost money because of unsuitable or misleading advice, you may be able to claim compensation for investment mis-selling.  We can advise you on how you make a claim, or if you don’t want the hassle, we can make the claim on your behalf.

Investments in Mis-sold SIPPs

Taking a look at the investments in your SIPP may help indicate if you’ve been mis-sold.

If you’re invested in something high-risk and unregulated which is possibly unsuitable for you and your circumstances this could be mis-selling.

The reason many people are mis-sold SIPPs is because the risks involved with investments they contain does not match their attitude to risk.

In many mis-sold SIPP cases clients were not adequately told of the risks and sometimes even promised guaranteed high returns if they invested.

This is usually the case when an Unregulated Pension Introducer is involved. They are not subject to the rules of regulated firms and can make misleading statements regarding products so as to generate their commissions.

In a lot of cases clients only become aware they have been mis-sold when they see unexpected losses to their pension funds as the value of scheme decreases.


From overseas property schemes to renewable energies and storage pods; high risk, unregulated investments are generally regarded as only being suitable for certain investors.

Unfortunately, too many people who aren’t suitable for these types of investment schemes have ended up invested in them anyway, usually as part of their SIPP.

If you have concerns about your investment advice or SIPP, get in touch and talk to one of our team. Our free no obligation assessment to help check if you may have been mis-sold and if you could have a case for compensation. We will also be happy to answer any questions you may have about pension mis-selling and making a claim.

How can I tell if I’ve received unsuitable investment advice?

Many people have received unsuitable investment advice without realising it.  Most people begin to think something is wrong when they see their investment has lost unexpected value or there’s an unexpected charge.

Here is a list of common indicators that investment mis-selling may have happened:

Important Information!

You are not required to use our services to pursue your claim. You can also seek further advice or shop around subject to any time limits within which a claim must be made.

It is possible for you to present the claim for free, either to the firm or person against whom you wish to complain or to the statutory ombudsman (Financial Ombudsman Service or Pension Ombudsman Service) or the Financial Services Compensation Scheme, whichever is applicable to your claim.