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Missold Investments
Recovery of Mis-Sold Investments – BGM Law
The ​
Work
At BGM Law, we specialize in helping individuals and businesses recover capital lost
due to mis-sold investments. Whether the losses were caused by misleading advice,
insufficient risk disclosure, or fraudulent practices, our team of experienced solicitors
is here to help you reclaim your money and hold the responsible parties accountable.
With a proven track record in handling claims against both regulated and unregulated
investment firms, we provide comprehensive support tailored to your case.
What Are Mis-Sold Investments?
Mis-sold investments occur when a financial product or service is sold in a way that is
misleading, inappropriate, or in breach of regulations. Common examples include:
• Inadequate Risk Disclosure: Failing to inform you of the full risks
associated with an investment.
• Unsuitable Advice: Recommending investments that don’t align with your
financial goals or risk tolerance.
• Aggressive Sales Tactics: Coercing or rushing you into making investment
decisions.
• Misrepresentation or Fraud: Providing false or exaggerated claims about
an investment’s performance or security.
• Inappropriate Pension Transfers: Moving pension funds into high-risk or
unregulated schemes without proper guidance.
These practices can lead to significant financial losses and emotional distress. If you
believe you have been misled or inadequately informed about your investment, you
may be entitled to compensation.
How BGM Law Can Help
Recovering losses from mis-sold investments requires a strategic and technically
sound approach. At BGM Law, we provide expert legal representation to maximize
your chances of success. Here’s how we work:
​
1. Free Initial Consultation
We start with a no-obligation consultation to assess your case, review the details of
your investment, and determine if you have grounds for a claim.
2. Comprehensive Case Analysis
Our team conducts a detailed review of all relevant documentation, including
contracts, promotional materials, and correspondence. We identify breaches of legal or
regulatory obligations by the firm or advisor.
3. Tailored Recovery Strategy
We develop a customized approach for your case, factoring in whether the claim
involves a regulated or unregulated firm, the type of investment, and the
circumstances of the mis-selling.
4. Claim Filing and Representation
We handle the entire claims process, whether through regulatory bodies, negotiation,
or court proceedings. Our team is experienced in advocating for clients in all types of
financial disputes.
5. No Win, No Fee Options
For eligible cases, we offer “no win, no fee” agreements, allowing you to pursue justice
without financial risk.
Regulated vs. Unregulated Investment Firms
Regulated Investment Firms
Regulated firms are authorized by bodies like the Financial Conduct Authority (FCA)
and must comply with strict rules, such as providing suitable advice, clear
communication, and fair treatment of clients. When dealing with regulated firms, we
focus on identifying breaches of FCA rules, including:
• Failure to Conduct Suitability Assessments: Selling investments that do
not match your financial profile or risk appetite.
• Misrepresentation: Providing inaccurate or misleading information about
the investment.
• Non-Compliance with FCA Principles: Violating key principles, such as
treating customers fairly.
If a regulated firm has mis-sold an investment, we pursue compensation through:
• Formal Complaints to the Firm: Regulated firms are required to respond
within eight weeks.
• The Financial Ombudsman Service (FOS): We can escalate unresolved
complaints to the FOS, which can order compensation of up to £375,000.
• The Financial Services Compensation Scheme (FSCS): If the firm has
become insolvent, we file claims with the FSCS for compensation up to £85,000.
• Court Proceedings: For high-value claims or complex cases, we represent
clients in litigation to recover losses.
Unregulated Investment Firms
Unregulated firms operate outside the oversight of the FCA and often deal in high-risk
or speculative products, such as cryptocurrencies, overseas property schemes, and
mini-bonds. Recovering losses from these firms requires a more complex strategy,
including:
• Fraud and Misrepresentation Claims: Filing claims based on deceitful
practices or false statements.
• Tracing Assets: Collaborating with forensic accountants to identify and
recover assets hidden by the firm.
• Litigation Against Directors or Agents: Pursuing those responsible for the
mis-selling directly.
• Group Litigation Orders (GLOs): Combining claims from multiple investors
to strengthen the case and reduce costs.
• Regulatory Reporting: Reporting misconduct to authorities like the
Serious Fraud Office (SFO) or Action Fraud to prompt investigations.
Common Examples of Mis-Sold Investments
We have helped clients recover losses from a range of mis-sold investment products,
including:
• High-risk investments misrepresented as “safe,” such as mini-bonds or
speculative funds.
• Unregulated schemes, such as overseas property investments or storage
pods.
• Complex financial products, such as derivatives or structured
investments.
• Inappropriate pension transfers, including moving defined benefit
pensions into unsuitable schemes.
Why Choose BGM Law?
Specialized Expertise
Our team has a deep understanding of financial regulations, investment products, and
the tactics used by unscrupulous firms.
Proven Track Record
We have successfully recovered substantial sums for clients who suffered losses due to
mis-sold investments.
Client-Centric Approach
We prioritize your interests, providing clear communication and personalized support
throughout the process.
Innovative Strategies
We employ advanced tools for analyzing financial transactions, tracing assets, and
building strong cases against even the most complex schemes.
Confidential and Professional
We handle all matters with discretion and professionalism, ensuring your trust and
privacy.
Time Limits for Claims
It is essential to act promptly, as there are strict time limits for filing mis-sold
investment claims. Generally, you must bring a claim within six years of the
investment or three years from when you became aware (or should have been aware)
of the mis-selling.