Free investment check

Concerned about investment advice or how the risks were explained?

An investment falling in value does not automatically mean it was mis-sold. The useful questions are what you were advised to buy, what you wanted to achieve, how much risk you could take and what was explained before you agreed.

Start my free check See when this route may fit

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Does any of this sound familiar?

See whether this looks like the right place to start.

These examples are there to help you choose a route. They do not mean you definitely have a valid claim or that compensation will be due.

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THIS ROUTE MAY BE RELEVANT

You may want the circumstances reviewed if…

An adviser or bank recommended an investment that appears inconsistent with the risk you wanted to take.
A large proportion of your savings was placed at risk when you needed capital security or access to the money.
Important risks, charges, lock-ins or alternatives were not clearly explained before you invested.
You were told a product was low risk or suitable for a particular objective and now question that recommendation.

A DIFFERENT ROUTE MAY FIT BETTER

This check may be less likely to match if…

The investment simply moved up and down with markets and there is no concern about the original advice or sale.
You chose and traded the investment yourself without advice; the relevant issue may not be an advised mis-selling complaint.
You are seeking current investment advice or recommendations about where to invest now.

Still unsure? You can use “Not sure” in the form or start with the general check.

What matters first

The key details around what happened.

We focus on the facts you remember — what was recommended, explained or arranged, and what concerns you now.

The investment did not match the level of risk you understood you were taking.

Too much of your available capital may have been placed in one investment or type of investment.

The risks, charges or access restrictions were not clear to you before investing.

You relied on advice from a bank, building society or financial adviser and now question whether it was suitable.

What we will ask

A few details that help tell the story.

The questions are split into simple steps, starting with the product and then what happened around it.

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About the investment

What type of investment was involved?
Who recommended or sold the investment?
Approximately when did you invest?

Your objectives and the advice

What was the main purpose of the money?
How was the investment risk described to you?
Roughly how much of your available savings was invested?
Did you need to be able to access this money at short notice?
What is your main concern now?
Have you already complained to the firm?

After you send it

What happens next?

The claims firm named at the final step can review your enquiry and contact you if it needs anything else.

Your enquiry is recorded

We keep a record of the details you send and the consent you give.

The claims firm can take a first look

If it needs more information, it can contact you using the details you provided.

You decide what happens next

If the claims firm can help, it will explain what it can do and any fees before you choose whether to go ahead.

Your other options

You can complain without using a claims management company.

Depending on the issue, you may be able to complain directly to the business and use the Financial Ombudsman Service or Financial Services Compensation Scheme yourself for free.

Financial Ombudsman Service ↗Financial Services Compensation Scheme ↗

Investment FAQs

Questions people usually ask.

For general questions about MFCC, privacy or what happens after you send an enquiry, use the main FAQs.

View all FAQs →

Does losing money mean an investment was mis-sold?

No. Investments can fall in value without having been mis-sold. The important questions are what was recommended, what you wanted from the investment, the risks and charges explained, and whether it suited your circumstances at the time.

What if I cannot remember the exact investment name?

You can still start. Include the bank, adviser or provider if you remember it and describe the type of investment as best you can.

What types of investment can I ask about?

The form can capture concerns about investment bonds, stocks and shares products, funds and other advised investments. The claims firm will decide whether the enquiry is within the services it can review.

Can I complain myself?

Yes. You may be able to complain directly to the firm and use the Financial Ombudsman Service or, in some circumstances, the Financial Services Compensation Scheme yourself for free.

Free claim check

Start with the details you remember.

The MFCC check is free. If the claims firm can help, they’ll explain what happens next before you decide whether to go ahead.

Start this check →