| 词条 | Misselling |
| 释义 |
TypesVarious common types of misselling may occur. More recently, banks have been at the center of misselling with products such as ISAs and investments.[2][3] Material misrepresentationThis may include misrepresentation of the commercial situation.[4] SuitabilityThe sale of unsuitable products, such as invalid insurance, is misselling, and has led to substantial compensation orders.[5] Financial missellingFinancial misselling refers to deliberate false statement made by individual, usually a financial organization representative to sell off their financial products or services usually not profound to the customer. For example, HomeServe an emergency home repair insurance company based in United Kingdom was fined for £30m for misselling to its customers by Financial Conduct Authority in February, 2014 as they failed to explain actual price and its coverage of their financial products.[6][7] According to a news in The Telegraph, Britain's financial services industry has PPI (payment protection insurance, (sold with credit cards) claims worth around £13bn from 2008 to early 2014.[8] Another on going misselling scandal relates to interest rate swaps sold to small and medium enterprises by UK banks.[9][10] References1. ^{{cite web|url=http://www.investopedia.com/terms/m/misselling.asp#axzz1phhWenym |title=Misselling Definition |publisher=Investopedia |date= |accessdate=2012-03-23}} 2. ^{{cite web|url=http://goodwinbarrett.co.uk/investment-mis-selling-the-facts/ |title=Investment Mis-selling: The Facts |publisher=goodwinbarrett.co.uk |date=2016-01-20 |accessdate=2016-01-20}} 3. ^{{cite web|url=http://www.isahelpline.co.uk/isa-news/ |title=ISA Helpline - Banks not giving proper ISA advice|publisher=isahelpline.co.uk |date=2013-03-27 |accessdate=2013-03-27}} 4. ^{{cite web|url=http://conversation.which.co.uk/energy-home/doorstep-seller-salesperson-cold-caller-energy-switching/ |title=Fed up with doorstep cold callers? | Which? Conversation |publisher=Conversation.which.co.uk |date=2011-05-19 |accessdate=2012-03-23}} 5. ^{{cite web|url=https://www.bbc.co.uk/news/business-14307628 |title=BBC News - Santander profits hit by PPI mis-selling costs |publisher=Bbc.co.uk |date=2011-07-27 |accessdate=2012-03-23}} 6. ^{{cite news | url=https://www.theguardian.com/money/2014/feb/13/homeserve-misselling-regulator-fine | title=HomeServe fined £30.6m for poor complaints handling and mis-selling | work=Theguardian.com | date=13 February 2014 | accessdate=3 March 2014 | author=Hilary Osborne}} 7. ^{{cite news | url=https://www.telegraph.co.uk/finance/personalfinance/insurance/buildingsandcontent/10636425/HomeServe-fined-30m-for-mis-selling-to-70000-customers.html | title=HomeServe fined £30m for mis-selling to 70,000 customers | work=Telegraph.co.uk | date=13 Feb 2014 | accessdate=3 March 2014 | author=Nicole Blackmore}} 8. ^{{cite news | url=https://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10655248/PPI-mis-selling-claims-have-yet-to-peak.html | title=PPI mis-selling claims 'have yet to peak' | work=Telegraph.co.uk | date=22 Feb 2014 | accessdate=3 March 2014 | author=Szu Ping Chan}} 9. ^http://www.fca.org.uk/consumers/financial-services-products/banking/interest-rate-hedging-products 10. ^http://www.lawgazette.co.uk/news/banks-breach-natural-justice-to-thwart-mis-selling-claims/5055609.fullarticle 1 : Tort law |
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