Why HT Legal is Your Partner Against Pension and Financial Mis-Selling Claims

Financial mis-selling has unfortunately impacted thousands of individuals across the UK. Financial mis-selling has created severe financial losses taking hard earned money out of the pockets of UK Consumers and sometimes even putting retirement plans at risk. At HT Legal Claims, we made it our mission and resolution to battle for justice on behalf of clients who had been failed by regulated companies like financial advisers, pension providers, or investment firms.

So, what is financial mis-selling exactly, and why would you want to bring your case to HT Legal?

This article explains the basics of financial mis-selling, what can be done about it, and how as Financial mis-selling solicitors we can help you to reclaim your financial losses.

What Is Financial Mis-Selling?

Financial mis-selling is the sale to a person, financial product or service, where that product or service is unsuitable for their needs and/or high-risk risks have not been satisfactorily explained. There are many examples of common mis-selling, including in particular:

Pension Mis-Selling, for example: Transferring Pensions into high-risk or unsuitable schemes, by using Self-Invested Personal Pensions (SIPPs) or Defined Benefit (DB) Pension transfers where clients are convinced to transfer from a top-quality pension scheme with many added benefits in favour of a personal pension so that the financial adviser can charge them fees.

– Investment Mis-Selling: Where UK consumers are presented with ‘an opportunity’ to invest in high-risk investment products, which are unsuitable for their personal circumstances and ends up losing some or all their money.

– Financial Adviser Misconduct: In this case, an adviser behaves negligently, fraudulently, or otherwise in such a way that advice given is outweighed by the fees being charges rather than the client’s best interests and in most commonly charging for services like annual reviews that their clients simply have not received.

At HT Legal, we have seen the devastating consequences of such mis-selling firsthand. Our clients come to us with concerns over lost pension savings, poorly advised investments, and mounting financial stress. If you’ve experienced any of these issues, you may be entitled to compensation.

Why Choose HT Legal?

1- Specialisation in Mis-Selling Claims

When dealing with something as critical as your pension savings, it’s essential to have a team of experts by your side. At HT Legal we deal with financial mis-selling claims day in day out. Our experience means we are able to better understand and explain the intricacies of both pension transfer claims and investment advice, among other financial products and services. This means we can not only give you the best chance of receiving compensation but also advise on whether the amount of compensation being offered is sufficient and/or fair.

2- A Client Focused Approach

We are very aware that dealing with and facing up to the fact you may have been Mia-sold can feel very personal, it is not just about money, it is about your financial future, your retirement plans or even the ability to care for your family. We at HT Legal understand that client care must be our number one priority. We start by listening to your story and provide empathetic advice while guiding you step by step through each stage of your claim and being able to pursue compensation within our no-win, no-fee service, means there is no further risk to your personal finances.

3-Maximise Compensation Payable

While many claimants when claiming against a company who is in administration believe their only path to compensation is through the Financial Services Compensation Scheme (FSCS) where there is a cap of £85,000, this is not always the case. HT Legal ensure that any compensation payable is maximised and have a proven track record of successfully pursuing claims via direct complaint to providers, the FOS, the FSCS and claims against closed firms via their professional indemnity insurers. When this is possible, securing far greater settlements for our clients sometimes as high as £400,000.

What We Can Help You With:

• Claim for Mis-Sold Pensions
• Claim for Mis-Sold Investments
• Claims Against Financial Advisers
• Car Finance Claims
• Irresponsible Lending Claims (Mortgages, Secured Loan, Hire Purchase, Credit Cards, Doorstep Lenders)

What to Expect When We Work for You

It starts with a call to our team on to discuss your circumstances and ho we may approach reclaiming your lost finances. Right from the first consultation, once instructed we will then gather all the, the documents, contracts, and with a little help from you provide you with a free valuation of your claim so we can path the best route forwards. Our job is to make sure that your claim has the best chance of success, and our no-win no-fee approach means you can be confident we share the same goal.

Our process includes:

• Evidence Collection: We will help you acquire all relevant documentations to support your claim.
• Free Valuation: We will use all the evidence to quantify your loss, so we know what to expect from your providers.
• Complaints Submission: We’ll submit a formal complaint on your behalf, outlining your case to your pension provider, investment firm, financial adviser or via the FSCS.
• Escalation through FOS or issuing proceedings through court: If necessary, we will escalate your case to the Financial Ombudsman Service or pursue your claim through the courts with view to achieving the maximum redress available.

Take the first step today

You don’t need to suffer in silence. If you think that you have been a victim of pension or financial mis-selling, then please do not hesitate to contact HT Legal for a free consultation. Our experience and no-win, no-fee agreement mean there is no reason whatsoever to delay getting the justice and compensation that you deserve.