Financial Services Disputes

Personal financial services disputes

When you trust a bank, lender, insurer or financial adviser with your money, you expect to be treated fairly and given suitable advice.

When that does not happen, the consequences can affect your savings, pension, investments, property and future financial security.

Our solicitors help individuals who have suffered loss because of negligent advice, unsuitable financial products or unfair treatment by a financial services provider.

We will listen to what has happened, explain your options clearly and help you decide how best to pursue the matter.

Speak to our financial disputes team

Disputes with banks and lenders

A disagreement with a bank or lender can quickly become stressful, particularly where your home, savings or access to money is affected.

We can advise on disputes involving:

Mortgage and secured lending arrangements
Personal loans and credit agreements
Unauthorised or disputed transactions
Frozen or closed bank accounts
Unfair charges or lending practices
Errors in the management of an account
Guarantees and personal liabilities
Financial fraud and scams
The enforcement of debts or security

We can review the relevant documents and correspondence, explain whether the provider may have acted unlawfully or unfairly and help you pursue an appropriate remedy.

Claims involving financial advisers

Poor financial advice can cause losses that may only become clear years later.

You may have been advised to invest in a product that was unsuitable for your circumstances, transfer a pension or take on a level of risk that was not properly explained.

Our solicitors advise individuals on claims involving:

Negligent investment advice
Pension transfer advice
Unsuitable or high-risk investments
Mis-sold financial products
Failure to explain fees, risks or restrictions
Losses caused by poor tax or financial planning advice
Breaches of professional duties
Advice that did not reflect your needs or objectives

We can assess the advice you received, the information available at the time and the financial loss you have suffered.

Contact our solicitors about negligent financial advice

Insurance disputes

Having an insurance claim rejected can leave you facing costs you believed would be covered.

We advise policyholders on disputes involving:

Rejected insurance claims
Delayed claim payments
Disagreements over policy wording
Alleged non-disclosure or misrepresentation
Underpaid claims
Cancelled or voided policies
Disputes involving life, income protection, property or critical illness insurance

We can communicate with the insurer on your behalf and challenge decisions where there are grounds to do so.

Have you been the victim of financial fraud?

If you would like to speak with a legal expert about financial fraud and/or to the actions of an insurer, bank, brokerage, building society or other professional service provider, we can help.

Our solicitors are experts at representing victims of fraud and can assit you with:

Authorised push payment scams

Authorised push payment scams happen when a fraudster persuades you to send money from your own bank account to an account they control. This could involve impersonating your bank, a solicitor, HMRC, a supplier or even someone you know. The payment is “authorised” because you made it yourself, but it may still have been made as a result of deception, pressure or false information.

If you have lost money this way, you may have rights to reimbursement depending on the circumstances, the type of payment and whether the bank complied with its obligations. Current rules can require payment service providers to reimburse eligible victims of APP fraud, subject to limits and exceptions.

For legal advice for this type of fraud, please get in touch.

Authorised pull payment fraud

Authorised pull payment fraud usually involves money being taken from your account through a payment method you have approved or allowed, such as a Direct Debit, standing authority, recurring card payment or other payment instruction. Unlike push payment fraud, where you actively send the money, a pull payment allows another party to collect money from your account. If you were misled into giving authority, did not understand what you were agreeing to or the payments taken went beyond what you authorised, we can help review the agreement, the payment authority, the conduct of the recipient and whether the bank, lender or service provider should have acted differently.

Please speak to our team for more information.

Undisclosed commission arrangements

Undisclosed commission arrangements occur where a broker, intermediary or dealer receives commission from a lender or provider but does not properly tell the customer. This can be an issue where the commission created a conflict of interest, affected the cost of borrowing or meant the customer was not given clear information before entering into the agreement.

These have been especially relevant in motor finance, where the Financial Conduct Authority has confirmed an industry-wide redress scheme for customers who were treated unfairly between 2007 and 2024.

The concern is not simply that commission existed, but whether the customer was properly informed and whether the arrangement made the relationship unfair.

For details of this or help with your situation, please contact our team.

If you have been the victim of financial fraud or a scam recently, we strongly suggest that you follow the advice of the Financial Ombudsman and, where appropriate, contact the police on 101 and/or your bank or payment services provider immediately.

For legal guidance, please do not hesitate to reach out to our team.

Get in touch

How our solicitors can help

Our Litigation Team will help you understand both the legal and practical options available.

Depending on your circumstances, we can:

Review the advice, policy or financial agreement
Gather evidence of what happened
Calculate and evidence your financial loss
Make a formal complaint to the provider
Advise on complaints to an ombudsman or compensation scheme
Negotiate a settlement
Pursue mediation or another form of dispute resolution
Bring court proceedings where necessary

We focus on finding a proportionate solution while ensuring your position is properly protected.

Seek advice as early as possible

There may be strict deadlines for making a complaint or bringing a legal claim. Waiting too long could reduce the remedies available to you, even where you have suffered a genuine loss.

Early advice can help preserve evidence, prevent further losses and give you a clearer understanding of what to do next.

Speak to us about your personal financial services dispute