Mis-Sold Investment Types

Self-Invested Personal Pension (SIPP)
What is a Self-Invested Personal Pension (SIPP)? SIPPs are a Government approved personal pension schemes. They are similar to standard personal pension schemes, however they offer much broader investment powers than generally available. They allow you to hold multiple investment products to grow your pension fund. It is an individual contract between you and the read more
With Profit Bonds
What is a With Profits Bond? A With Profits Bond is a type of investment which is seen as “low risk” investment.  Technically a With Profits Bond is a type of life insurance investment however the life cover offered by such a product is negligible and they are primarily used as an investment in order read more
Unregulated Collective Investment Schemes
What is an Unregulated Collective Investment Scheme? An Unregulated Collected Investment Scheme (UCIS) is an investment type which falls outside of the FCA regulation in respect of items such as spread of assets, cash reserves, liquidity, dealing frequency and limitations on borrowings.  Whilst not always the case, the traditional model is that a UCIS is read more
Annuities Explained An annuity is another word for a regular annual income derived from your pension pot. You purchase an annuity from an insurance company or an independent financial advisor (IFA). The annuity provider is then responsible for paying the annual income for the rest of your life. When purchasing an annuity, you have to read more
Overseas Property Schemes
What is an Overseas Property Scheme? Many people are attracted by the idea of investing in overseas properties, as it is claimed they can grow your capital and have higher rental income than properties within the UK. A further advantage is having a holiday home you can visit when it is not rented out. While read more
Open Ended Investment Company and Unit Trusts
What are Open Ended Investment Company and Unit Trusts? An Open Ended Investments Company (OEIC) and Unit Trusts are types of collective investment funds which are professionally managed.  The money invested in them is pooled together and is used to buy assets such as bonds, shares and property.  Akin to many similar investments the idea read more
Mis-Sold Mortgages
Mortgages are one of the most important and complete financial products that we will take out in our lifetime. They can be quite complex, and choosing a mortgage that is most suitable for you can seem daunting. In a lot of instances, people will decide to seek assistance from a mortgage broker, independent financial advisor, read more
Investment Bonds
What is an Investment Bond? An investment bond is a life insurance policy with a single premium of a lump sum. Your money will be invested into a variety of different investments funds, offering growth and the possibility to generate an income. They can either run for a fixed term, or some have no set read more
Film Schemes – Tax Avoidance
What are Tax Avoidance Schemes? Tax avoidance schemes are complex mechanisms set up by businesses as a means of avoiding having to pay all or some taxes due. Tax schemes are complex and highly risky, with investors often unable to determine the extent of their liability at the outset, so they could be exposed to read more
Enterprise Finance Guarantee Loan
What is an Enterprise Finance Guarantee Loan? An Enterprise Finance Guarantee Loan (more commonly known as an EFG Loan) is a Government scheme which was launched in January 2009 to encourage Banks to loan to Small and Medium sized businesses (SME) following the Credit Crunch. Under an EFG Loan the Government would agree to act read more
Capital Protected Bonds
What are Capital Protected Bonds? A Capital Protected Bond is an investment sold by the UK banks and insurance companies, and is marketed as being a structured investment. A structured product is a fixed-term investment, where the pay-out relies on the performance of something else, like a stock market index. Capital Protected Bonds offer customers read more
Autopilot Bonds

An Autopilot Bond “the Bonds”, sold by NatWest and its parent Bank the Royal Bank of Scotland, is an investment bond, marketed as being a structured deposit investment.

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Stock and Shares ISA and Personal Equity Plans

Stock and Shares Individual Savings Accounts (ISA) and Personal Equity Plans (PEP) are both examples of tax privileged investment accounts.

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Managed Portfolios

This allows us to specialize in all dimensions of trades and stocks, because we have a specialist within the team for every scenario.

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Currency Claims

We work with our clients and do a deep analysis of their business. We help prepare possible outcomes to different decisions.

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Tax Avoidance Schemes

This stops companies from taking drastic measures like downsizing or closing down sites; those things happen only with no or bad financial projections.

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how can we help you?

Have any questions? Get in touch with the Cooper Stern team today by submitting an inquiry online.

There are no substantial up-front costs, and our clients like that. The claims we have settled so far have been on a full redress basis. The banks are misbehaving by making offers to businesses, partially repaying what they have paid, and saying they do not need legal advice and making very low offers. I would urge businesses who are affected to get in touch with us before it is too late.

Dan Fallows
Director, Cooper Stern

Have any questions? Get in touch with a member of the team today!