Why Choose EMCAS?
Quick, Free, No Obligation Assessment:
Our free, quick assessment will allow us to quickly establish if you have grounds for a complaint.
No upfront fees
As we don't charge any upfront fees, there is no risk of you being out of pocket in any way.
No form filling
We complete all of the relevant documents on your behalf - meaning you don't have to spend any of your own time reading instructions and explanations of what to fill in.
Excellent customer service
We pride ourselves on providing excellent customer service - all our advisors are fully trained to give you the best advice in regards to your claim. We do not use or operate any overseas call centres.
No win no fee
If we do investigate your case, our fee is only payable if you win. If you are unsuccessful for any reason there will be no charge to you whatsoever.
Investment Compensation
We have helped many customers win investment compensation, often when clients did not know they could complain and their bank disagreed with their complaint. In fact, we have over-turned bank responses several times to put investors back in a better financial position.
Our trained, Ministry of Justice regulated advisors can very quickly determine if you are eligible to claim.
Call now on 0800 093 4301 for a fast, free, no obligation assessment!
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Free, No obligation assessment
Mis-sold Investments
Whether it's a Bond, Equity ISA or any other investment-backed savings plan, choosing where to invest a lump sum or regular savings is one of the biggest decisions a person will ever make. In our experience, consumers who make such decisions have normally done their homework, seeking advice from trusted organisations.
The FSA states that the advice consumers receive should be ‘clear, fair and not misleading’. But in many cases, the opposite is true and we are able to claim investment compensation where advice was neither transparent nor consistent with a consumer’s goals or needs.
One of the most fundamental questions an advisor should ask is whether a consumer has an emergency fund. It’s a crucial part of the equation in any investment decision that involves a fixed-term investment such as bonds because there are often heavy penalties for accessing the fund before maturity. Yet many of the people who come to us were not made aware of this fact by their advisor.
Advisors should explain and record a consumer’s attitude to risk, yet we have seen countless examples where it’s been ignored altogether or driven up using sales techniques.
Advisors should also explain fully a product’s underlying disadvantages, penalties and/or charges – particularly when it comes to accessing funds. Many of the consumers we speak to about investment compensation have learned, too late, how costly poor advice can be. Most crucially, advisers must ask the most fundamental questions: What is the investment’s objective - growth or income? And what is the target value?
Huge organisations – HSBC, Lloyds, Standard Life and Barclays among them – have now been issued with hefty fines for the poor advice they offered. Meanwhile thousands of consumers have been left with investments that have not met expectations and that carry a much greater risk than anticipated.
Actual Case
Mr W (aged 48) invested £3,000 in a Stocks & Shares ISA with Henderson Global Investors in 2000. When he encashed his ISA 7 years later he was horrified to discover that half of his investment had gone, yielding just £1,500. Mr W's advisor had not made it clear at the time of sale that his capital would be at risk. Henderson upheld our complaint but made a compensatory offer of just £530. We rejected the offer and referred the case to the Financial Ombudsman Service (FOS) for adjudication. The FOS adjudicator agreed with the offer from Henderson. Our claims manager provided the FOS with a detailed explanation report justifying our findings with the correct formula for calculating compensation. This was passed to a senior FOS manager who agreed with our findings and requested that Henderson's recalculate their offer. The revised offer of £2,300 was still less than our customer would have had they had been given suitable advice in 2000, so we rejected this offer also. Finally Henderson's re-submitted a new offer that provided an acceptable redress of £3,660.
| Original Sum invested | £3,000 |
| Value after 7 years | £1,500 |
| 1st compensation offer | £530 |
| 2nd offer | £2,300 |
| Accepted Compensation | £3,660 |
| Difference from 1st offer | £3,130 |
At EMCAS we offer a fast, free, no-obligation assessment of the investment advice you were given. With just a few key questions we can quickly assess the suitability of the advice and if you have a sound reason for complaint.
Our claims management team has highly qualified experts from the financial services industry who will calculate what your position should have been had you been given the appropriate advice and carefully prepare and submit your case for complaint.
If you have any doubts about an investment or savings product you were sold – or are simply unsure – just call us now on 0800 093 4301 for your fast, free, no-obligation assessment.
Our Fee
Our fee is 35% +VAT of any compensation arising from any claim made by us on your behalf for alleged mis-selling of Investments.
Our intial telephone assessment is provided FREE OF CHARGE WITH NO OBLIGATION
We do not charge ANY upfront fees
We operate a 'no win, no fee' policy
- If you cancel our contract within 14 days you will not be responsible for any costs whatsoever.
- If you cancel our contract after 14 days and prior to redress being offered by the organisation responsible for the sale of the Investment, we will be entitled to invoice you for our time at the rate of £85.00 per hour
View our Terms of Engagement for full details.
Call now
0800 093 4301for a quick, free, no obligation assessment
...and no up-front charges.
Latest Thankyou's
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Glenda took advantage of our claims management service because she simply did not have the time to chase a claim herself as her husband was very ill and required constant care. Our claims managers are very compassionate and did everything they could to ensure Glenda and her husband were left stress free throughout the process. We successfully reclaimed their fund and Glenda is using the money to ensure her husband is more comfortable and warm.
It's something special to be able to make someone's Christmas.
