Regulatory Recovery
Regulated Broker Recovery
Even FCA-regulated brokers can fail their clients through mis-selling unsuitable products, churning portfolios for commission, executing orders poorly, or trading without authority. Where this happens, you have strong rights through the FOS and FSCS.
Regulatory Breaches
How regulated brokers fail their clients
Even firms authorised by the Financial Conduct Authority can breach their regulatory duties. We identify these specific failings to build your case for compensation.
Suitability Failures
Advisers recommending high-risk or complex products that do not match your risk profile, knowledge, or financial goals.
Unauthorised Trading
Executing transactions on your account without your explicit consent, knowledge, or proper mandate.
Churning and Overtrading
Generating excessive trades solely to earn commissions for the broker, which severely erodes your portfolio value.
Best Execution Breaches
Failing to secure the best possible price, speed, and terms when executing your orders in the market.
Our Approach
Our Recovery Process
Review
We obtain account history, suitability assessments, and KYC documentation.
Assess
We identify breaches of the FCA Conduct of Business Sourcebook and your client agreement.
Claim
We file the formal complaint, escalate to the FOS, and prepare FSCS claims if the firm has failed.
Recover
We secure compensation up to FOS/FSCS limits or pursue civil action above them.
Legal Authority
We leverage UK financial regulations
When a regulated broker breaches FCA rules, the regulatory frameworks provide powerful mechanisms to force compensation. We hold these institutions accountable.
Financial Ombudsman Service (FOS)
We escalate disputes to the FOS, which has the statutory power to force the broker to pay compensation up to £430,000 per claim.
Financial Services Compensation Scheme (FSCS)
If the regulated firm has collapsed or gone into administration, we file claims to recover up to £85,000 from the FSCS safety net.
Civil Litigation
For losses exceeding regulatory limits, we pursue direct civil action against the firm and individual advisers to recover your funds.
Your Right to Compensation
The FOS can award up to £430,000 per investment complaint. Where the firm has failed, the FSCS pays up to £85,000. For larger losses, civil action against the firm and individual advisers remains available.
Limitation Periods
Generally, you have six years from the date of the loss, or three years from when you reasonably knew of the problem, to bring a claim. Some specific pension claims have longer windows. We will assess your exact timeline during your consultation.
£120,000 Recovered from FCA-Regulated Wealth Manager
Our client was advised by an FCA-regulated wealth management firm to transfer their pension into high-risk offshore bonds. The adviser failed to conduct a proper suitability assessment and ignored the client's low-risk tolerance. When the bonds collapsed, the client lost £120,000. We gathered the original KYC documents and risk profiles, proving a clear breach of FCA Conduct of Business rules. We escalated the case to the FOS, which ordered the firm to fully restore the pension fund.
Failed by a regulated broker or financial adviser?
Speak with our specialists today for a free, confidential consultation.
Common Questions
Frequently Asked Questions
Generally six years from the date of the loss, or three years from when you reasonably knew of the problem. Some specific pension claims have longer windows.
Market risk is not a valid defence against suitability or execution failures. We separate honest market losses from compensable regulatory breaches.
If the firm was FCA-regulated and has ceased trading, you can claim compensation through the Financial Services Compensation Scheme (FSCS) up to £85,000. We handle these claims directly.
Take Action Today
Failed by a regulated broker?
Our team of expert fraud lawyers can help you recover your lost funds. No win, no fee.