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Note added at 17 mins (2013-05-30 17:12:14 GMT)
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मेरे विचार से यहां पर mis-sold को समझने से number of grounds का अर्थ स्पष्ट हो जाएगा।

mis-sold के लिए कृपया इसे देखें -
Investopedia explains 'Misselling'
A good example of misselling can be seen in the life insurance industry. Consider an investor who has a large amount of savings and investments but no dependent children and a deceased spouse. This investor would arguably have little need for whole life insurance and, therefore, an insurance salesperson describing the product as something the investor urgently needed to protect his or her assets in the event of death could be considered a case of misselling.
(http://www.investopedia.com/terms/m/misselling.asp)

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Note added at 18 mins (2013-05-30 17:13:28 GMT)
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Misselling is the deliberate, reckless or negligent sale of products or services in circumstances where the contract is either misrepresented, or the product/service is unsuitable for the customer's needs. For example, selling life insurance to someone with no dependents is regarded as misselling.
(http://en.wikipedia.org/wiki/Misselling)

यह भी एक विकल्प हो सकता है।