barney76.
1.Get copies of every policy/investment docs.
2.Then, have a long hard read of the terms and conditions.
You may find them in accordance with what you believed you were taking on.
If they were not in accordance with what you believed, then you are into finding out have you any real come back.
3. In most cases @ least since 2007 Consumer Code, the onus is on the Provider to give clarity. But be aware our Ombudsman seems to still judge on buyer beware ie you signed = tough !
You cannot report to any one until you know what to report.
There is little point reporting if there is no sanction for the provider.