Every case is different but as a general guide it takes approximately 1 to 2 months to investigate the sale and determine if mis-selling took place.
If evidence for that exists, it will take 2 to 3 months to present that evidence to the firm that gave the advice and correspond with them about my findings.
Should the firm accept there was mis-selling, it will be necessary for a compensation calculation to be carried out. This is normally outsourced to specialist actuarial consultancy firms and it can take them about 3 months to complete the calculation.
So in total, the average case will last about 4 to 6 months.
Should it be necessary at any stage to involve the Financial Ombudsman, this can add a further 6 to 9 months due to their backlogs.
Please see the Fees page for full details of charges and examples of how the fee will be capped as compensation amounts grow higher.
Yes, of course. There is no obligation to use either me or another firm. I would, however, encourage you to read my Case Histories page to see how complicated, technical and time consuming the process can sometimes be.
Not at all. The investigation will centre on the advice you were given at the time of sale. What you decided to do with the policy at a later, whether that was to stop contributing or transfer it to a different provider, is immaterial
No, your policy will be entirely unaffected. No adjustment will be made to its value or terms and conditions
Yes, you can see past client reviews on the independent review site Trustpilot. Just click here
No. I take all calls personally and deal with every case myself. You can call me at any time it is convenient for you, including evenings and weekends.
I am a qualified financial adviser (although I do not sell products myself) and have been in the financial services industry for over 30 years. You can read much more about me on the About page