1 Missold Package Bank Account
2 Missold ISA’s
3 Missold equity release mortgages
We can look at both fees and charges applied to mortgages as well as the selling process primarily in relation to interest-only mortgages which were all the rage in the mid-2000s.
4 Refused/rejected Insurance Claim
5 Refused/rejected Business Insurance Claim
6 Declined charge back or credit card refund
7 Missold Amigo Guaranteed Loan
8 Missold Insurance
9 Missold Pensions & Annuities
There are a variety of pension difficulties at the moment and we see that the pension market, following various changes in regulations in recent years is going to be a breeding ground of complaints in the future, where people will be mis-sold the product but will not realise the difficulties as a result of the mis-sale for maybe 15, 20 or even further into the future when they come to look at their pension arrangements.
Annuities are part of pensions and have also had difficulties in the past. Again, they are an area where we are seeing a number of complaints, primarily the validity of the transfer to an annuity and whether it was appropriate for the individual and their situation.
10 Missold Investments
Investments have, and always will be, a big problem for people, where advice can be provided offering particularly riskier investments where the sales individual promoting the product can (not always) but on occasion look at investments which are riskier than the client should have had looking at this route in order to obtain greater commission from the sale.
11 Missold Car Finance
12 Business Banking Complaints
13 Traditional bank complaint
14 Fraud
Fraud can take many guises, from incorrect transfers of accounts, missing monies, stop-checks, misappropriation of funds (where we see this with businesses, clubs and societies) where individuals take money against authority which was lodged with the bank.
15 Inapproriate Business lending/lending re covid
16 Consequential loss
Consequential loss can be looked at for a number of different aspects, primarily if you have had any refund for financial missale and there has been a considerable financial knock-on effect as a result. We can look at obtaining a refund in relation to not only any redress due but also any fees and charges that have, and we can prove, have been associated with the missale being applied.