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Mrs W is an elderly widow and was advised to put more than half her savings into a Lloyd’s structured investment product. It performed poorly (naturally) and matured after five years with little in the way of profit.

A structured investment is the catch-all term often used to describe a product whose returns are linked to the performance of a stock market index, but with some underlying guarantee in case the market suffers a major fall.

This is a classic case of mis-selling, showing how even a highly intelligent person can be led up the garden path by their bank. Mr D was (and still is) an accountant, but was branching out into a secondary business with a partner.

Mrs H was referred to me by her new financial adviser, whose clients I had helped in the past. He was concerned that an investment portfolio established by a previous adviser had lost a considerable amount of money – perhaps as much as £1 million – through poor choice of investments.

This is the story of one that is probably one of the most satisfying cases I have dealt with in recent years. Mr M initially came to me through a referral from another client. Initially, the case seemed a pretty straightforward payment protection insurance case.