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    Investment Claims

    Investment Bonds 

    Investment Bond mis-selling is, unfortunately, a very common form of financial malpractice. Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed term; others have no set investment term.

    How were they mis-sold? 

    Financial Advisors often have sales targets, with substantial commission attached. This can lead to high pressure selling and not always explaining the facts to you. This intense pressure resulted in many investors being mis-sold Investment Bonds that were often not suitable for their personal circumstances. Bank staff were often put under unbearable pressure to sell these investment bonds, which led to high street banks being given record fines for not taking customer’s circumstances into account.

    At Return My Money we have many years’ experience in helping people such as you that may have lost out, recovering over £50 million for our clients. We make the claim process simple for you.

    1. Give us the authority to act
    2. We investigate
    3. We write your complaint
    4. We make sure we maximise your compensation
    5. We send you a cheque

    With Profit Bonds

    With Profit Bonds are suitable for investors who require low risk investments With-profits policies are medium- to long-term investment funds offered by insurance companies.

    The money you invest is pooled together with money from other people and invested in the insurance company’s with-profits fund.

    You get your share of profits in the form of annual bonuses added to your policy. There are two kinds of bonus:

    1. Annual bonuses, also called regular or reversionary bonuses
    2. Final bonus, otherwise known as the terminal bonus

    How were they mis-sold? 

    Financial Advisors often have sales targets, with substantial commission attached. This can lead to high pressure selling and not always explaining the facts to you.

    Often, customers were not made fully aware of the various charges and penalties that accompany With-Profit Bonds. If you received a penalty on your bond and weren’t informed, you may be able to pursue a claim for mis-selling with Profit Bonds compensation. Market Value Reductions (MVR) are a way of ensuring that customers remaining in with profit bonds are not disadvantaged when there is a fall in stock markets or when investment returns are below the level we would normally expect.

    When investments performed well, the capital growth may be less than the bonus given, which meant the fund manager could keep part of the bonus in reserve. Occasionally bonuses were added to the fund even if the bond had a bad performance.

    At Return My Money we have many years’ experience in helping people such as you that may have lost out, recovering millions for our clients. We make the claim process simple for you.

    1. Give us the authority to act
    2. We investigate
    3. We write your complaint
    4. We make sure we maximise your compensation
    5. We send you a cheque

    If you feel like this might apply to you, or even if you’re unsure, you should get in touch today!

    Meet our happy customers!

    Unsure whether or not to choose Return My Money to help get back your lost pension?

    Take a look at our video and find out how our happy customers found our service. We recovered the lost money from: Blueinfinitas Limited, Cherish Wealth Management, Rowanmoor, Storage Pods, Guinness Mahon, AIGO Fund, With our average claim worth £38,000, and some of the best rates in the market, you can understand why our customers are so happy!

    If you were advised to transfer your pension into a SIPP or were advised to transfer out of your Final Salary Pension scheme, we may be able to help you.
    Contact us on 0800 061 4585

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