– Not understanding the investment risk and/or appetite for loss with regards to your investment funds

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

– 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 has not been taken into account meaning big tax bills in relation to your investment

– There is a lack of ongoing suitability reviews even though you were/are paying for it

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

– Your health and/or  future circumstances were not taken into account