Important information for consideration
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Wealth Warning
1. Risk of Loss: The value of investments can fluctuate, and there is no guarantee that you will recoup your initial investment. You may experience losses that could exceed your investment amount.
2. Market Volatility: Financial markets can be volatile, and prices of investments may change rapidly. This volatility can be influenced by various factors, including economic conditions, political events, and investor sentiment.
3. Past Performance: Past performance of financial products is not indicative of future results. Just because an investment performed well in the past does not guarantee similar returns in the future.
4. Complexity of Products: Some financial products can be complex, involving intricate features and terms. It is important to fully understand the product’s structure, costs, and associated risks before investing.
5. Financial Advice: Consider seeking professional financial advice before making investment decisions. An advisor can provide personalized guidance based on your individual circumstances and risk tolerance.
6. Diversification: Spreading your investments across different asset classes and sectors can help mitigate risk. Diversification does not guarantee profits or protect against losses, but it can potentially reduce the impact of adverse market movements.
Regulatory Protection: Not all financial products are covered by regulatory compensation schemes. Check if the product you are considering benefits from such protections.
Remember, investments should align with your financial goals and risk appetite. Take the time to understand the product’s features, associated costs, and potential risks before making any investment decisions.
This wealth warning is for informational purposes only and should not be considered as financial advice. Consult with a qualified professional for personalised guidance tailored to your specific circumstances.
Complaints Procedure
If you have a complaint about any aspect of the service you have received we recommend that you bring your concerns to our attention as soon as possible in order that we can resolve your complaint promptly.
We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.
On receipt of your complaint, the matters raised will be investigated by an independent Complaint Handler within the company.
For further information or to make a complaint please contact the Complaints Department at the correspondence address shown in our footer, or email by clicking here.
Where your complaint relates to regulated activity that falls under the jurisdiction of the Financial Ombudsman and we are unable to resolve your complaint to your satisfaction, you have the right to refer your complaint to the Financial Ombudsman Service free of charge by phone (0800 023 4567) or email (complaint.info@financial-ombudsman.org.uk)
Further information about the Financial Ombudsman Service can be found by visiting www.financial-ombudsman.org.uk