ISA Mis-Selling Claims
Individual Savings Accounts (ISAs) are tax-efficient investment vehicles that should provide safe, suitable returns. However, many investors have been mis-sold inappropriate ISA products, including high-risk stocks and shares ISAs, illiquid innovative finance ISAs, and unsuitable structured products wrapped in ISA tax wrappers. We help investors recover losses from mis-sold ISAs and hold financial advisers accountable.
Tax-Free Doesn't Mean Risk-Free
Just because an investment is held in an ISA wrapper doesn't make it suitable or safe. Financial advisers must recommend ISA investments that match your risk tolerance, investment objectives, and financial circumstances.
Common ISA Mis-Selling Scenarios
High-Risk Stocks & Shares ISAs
Concentrated portfolios, high-volatility funds, or speculative investments unsuitable for risk-averse investors.
Innovative Finance ISAs
Peer-to-peer lending platforms and crowdfunding investments with illiquidity, default risk, and platform failures.
Structured Products in ISAs
Complex structured products with counterparty risk, capital at risk, and opaque terms hidden behind ISA tax advantages.
Excessive Charges
Excessive management fees, platform charges, or adviser fees that erode returns and weren't properly disclosed.
Unsuitable Asset Allocation
Portfolio allocation inconsistent with your investment timeframe, capacity for loss, or stated objectives.
Lack of Diversification
Over-concentration in single sectors, regions, or asset classes creating unnecessary risk exposure.
Regulatory Requirements for ISA Advice
Financial advisers must comply with strict FCA rules when recommending ISA investments:
Our Claims Process
Free Initial Assessment
We review your ISA investments, advice documentation, and suitability reports to assess whether you have grounds for a claim. We'll examine the advice process, product selection, and risk disclosures provided.
Complaint to Adviser/Provider
We submit a detailed complaint to your financial adviser or ISA provider, setting out the failures in advice, regulatory breaches, and losses suffered. We negotiate directly for fair compensation.
Financial Ombudsman Service
If the adviser rejects your complaint or offers inadequate compensation, we escalate to the Financial Ombudsman Service. We prepare comprehensive submissions with expert evidence of unsuitable advice.
Court Proceedings if Necessary
For high-value claims exceeding the Ombudsman's jurisdiction (£430,000), we can pursue court proceedings. We work on a no win, no fee basis for qualifying cases, removing financial risk.
Why Choose Us
Investment Law Specialists
Deep expertise in FCA regulations, suitability requirements, and ISA investment claims.
No Win, No Fee Available
We offer no win, no fee agreements for qualifying ISA claims, so you can pursue your claim risk-free.
Financial Services Experience
Proven track record of successful claims against major ISA providers and financial advisers.
Expert Witness Network
Access to leading independent financial advisers who provide expert evidence on suitability breaches.