"He felt both investments in 2007 and 2010 were unsuitable for Mr L. He felt the advice in 2007 was unsuitable because the makeup of the Standard Life Bond almost replicated that of the Axa bond which Mr L was unhappy with.
"He also felt the Cofunds portfolio represented more risk than was suitable for Mr L. And he didn’t think Mr L should have been advised to encash his Prudential bond because he felt Mr L was unhappy with the Standard Life Bond rather than the Prudential Bond yet the adviser still recommended he encash it.
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"He therefore felt Mr L would have kept the Prudential bond in place until the point at which he encashed both bonds and moved his investments way from Skipton in their entirety."
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