– A lack of understanding with regards to your investment risk appetite

– Your fund portfolio selection was not in line with your risk appetite

– The documents you received were not clear and easy to understand or not the same versions that the provider holds on file

– The product recommendation was not inline with your risk or investment experience

– Your tax position is not in line with your product recommendation 

– There is a lack of ongoing suitability reviews even though you were/are paying for a service out of the product or separately

– You were advised to invest in unregulated investments, e.g. storage pods, overseas property, ethical forestry etc

– Your future circumstances were not taken into account