Debt Instrument Mis-Selling
Debt instruments including corporate bonds, high-yield bonds, structured notes, and loan notes are often presented as safe, steady-income investments. However, many investors have been mis-sold inappropriate debt instruments carrying credit risk, illiquidity, and potential for total capital loss. We help investors recover losses from unsuitable bond portfolios, defaulted loan notes, and high-risk debt instruments that were misrepresented as low-risk alternatives to cash savings.
Not All Bonds Are Safe
While government gilts are low-risk, corporate bonds and alternative debt instruments can carry significant credit risk, market risk, and liquidity risk. Financial advisers must ensure debt investments match your risk tolerance and explain that capital is at risk.
Common Debt Instrument Mis-Selling
Mini-Bonds & Loan Notes
Unregulated mini-bonds offering high returns but carrying extreme credit risk, often resulting in total loss when issuers collapse.
High-Yield Corporate Bonds
Junk-rated corporate bonds with high default risk, unsuitable for risk-averse investors seeking secure income.
Structured Notes
Complex structured products with counterparty risk, capital at risk, and opaque terms not properly explained.
Illiquid Bond Funds
Property bond funds and other illiquid debt investments suspending redemptions, trapping investor funds.
Emerging Market Debt
High-risk sovereign and corporate bonds in developing countries with currency risk and political risk.
Perpetual Bonds
Bonds with no maturity date carrying reinvestment risk and vulnerability to issuer call provisions.
What Advisers Must Disclose
FCA rules require clear disclosure when recommending debt instruments:
Our Claims Process
Investment Analysis
We review your bond portfolio, investment documentation, and suitability assessments. We identify whether debt instruments were appropriate for your risk profile and whether risks were properly disclosed.
Expert Evidence
We instruct independent financial experts to assess suitability of debt instrument recommendations. Expert reports analyse credit quality, diversification, liquidity, and whether investments matched your stated objectives.
Formal Complaint
We submit detailed complaints to your adviser or bond provider, setting out regulatory breaches, misrepresentations, and losses. We negotiate compensation for unsuitable recommendations and inadequate risk disclosure.
Ombudsman & Court
If complaints are unsuccessful, we escalate to the Financial Ombudsman Service or pursue court proceedings. We work on a no win, no fee basis for qualifying claims, removing financial barriers to justice.
Why Choose Us
Fixed-Income Specialists
Extensive experience in bond mis-selling claims including mini-bonds, corporate bonds, and structured notes.
No Win, No Fee
We offer no win, no fee agreements for qualifying debt instrument claims, so you can pursue compensation risk-free.
Credit Analysis Expertise
Deep understanding of credit risk, bond markets, and FCA conduct requirements for debt instruments.
Proven Results
Strong track record of successful bond mis-selling claims through Ombudsman and court proceedings.