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Mis-Sold Capital Protected Bond

Capital Protected Bonds offer you the opportunity to grow your cash while protecting your initial contribution. That’s why so many high street banks favour them, but you may not know you face the possibility of losing a significant portion of your assets if you cash in before the bond term ends.

If you’re prepared to invest in a Capital Protected Bond for the entire term, you can expect a full return of your capital regardless of any changes in the market. The FTSE 100 is often used as a performance indicator for these types of bonds, and any rise in the FTSE 100 can be reflected as profit to you over the agreed period.

The Capital Guarantee offered with the bond – this is the Capital Protected part – means the bank will absorb any losses to your funds, but they will also charge management fees for protecting your capital.

Have you been mis-sold Capital Protected Bonds?

Banks and financial companies have been accused of mis-selling Capital Protected Bonds. It has occurred when the bank has over-emphasised the potential for the bond to yield higher returns based on good previous performance – without having properly explained that external factors can prove highly influential.

For example, many customers got back only their original capital at the end of their bond term as a result of the global economic downturn. This led to major disappointment, particularly if the customer was somehow reliant on getting good returns.

Inflation will reduce the actual spending power of an investment product over time. In cases where only the original capital is returned, then, the true impact on the bond’s value is often viewed as a loss.

Capital Protected Bonds Claims

A poor return on your Capital Protected Bond is not grounds to stake a claim for having been mis-sold. However, if you were firmly led to believe that a decent return was practically guaranteed, then you may have a case. Your chances are greater still if:

  • You were either retired or close to retirement at the time
  • You had very little prior experience (or none at all) of investing
  • You were identified as a likely investor after receiving a cash windfall
  • You were advised to invest a large chunk of your savings in one go

How we can help

Claiming compensation for mis-sold Capital Protected Bonds is our speciality. We know what risks they carry, and who should and shouldn’t have been sold them. It’s our mission to help clients who may have been victims of mis-selling by helping them claim a significant rebate.

If you would like more information about Capital Protected Bonds claims, or to simply talk through your situation, call our friendly team of experts on 0808 163 1659, email enquiries@goodwinbarrett.co.uk or enter your details into our handy call back box and we’ll get back to you straight away.

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William Thornley

from Bolton
compensation from Halifax

Alan Burke

from Bolton
compensation from Santander

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  • No lengthy paperwork to complete.
  • Your own dedicated claims expert.
  • Claims settled within 8 weeks on average.
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Customer Stories

We've helped thousands of people win compensation as a result of unsuitable financial advice.

William Thornley I’m absolutely delighted with the service we got from Goodwin Barrett, I couldn’t believe how easy it was and i’ve nothing but praise for them
Alan Parton This was an excellent result which my wife and I never expected. My sincere thanks to you for such an excellent achievement, I cannot thank you enough
Stuart Snowden After sending a report to Santander, they agreed with our findings and awarded Mr Snowden an amount of £7,000 made up from a refund of the losses together with interest and compensation.
William Miller This was a fantastic result I never expected. My sincere thanks for such a prompt and efficient service.
Margaret Long I am so grateful to your company but especially to Steve Wise for getting me the money back
Janet Rynkiewicz We reported our findings to Halifax and within a matter of weeks had secured our client the sum of £26,700 in compensation.
Fred Hardman After we sent a detailed complaint to Halifax, Fred was delighted to receive £6,916 from the bank in a matter of weeks.
Stephen Montague Having investigated the complaint Lloyds TSB agreed that the advice was unsuitable and agreed to pay the clients £10,000.

Figures shown are before the deduction of our fee.