Pension Mis-Selling & Transfer Claims
Your pension is likely your largest financial asset, providing security for retirement. Unsuitable pension advice can devastate retirement plans and cause irreversible financial harm. We represent individuals who have suffered losses from inappropriate pension transfers, high-risk SIPP investments, and negligent pension switching advice. Whether you transferred out of a final salary scheme, lost money in a self-invested personal pension, or were advised to consolidate pensions inappropriately, we can help recover your losses.
Pension Advice Carries Heavy Responsibility
The FCA presumes that transferring out of a defined benefit pension is unsuitable unless the adviser can clearly demonstrate otherwise. Advisers must conduct rigorous analysis and act in your best interests, not to earn transfer commissions.
Common Pension Mis-Selling
Final Salary Transfers
Unsuitable advice to transfer guaranteed defined benefit pensions into risky personal pensions to generate adviser commissions.
High-Risk SIPP Investments
Self-invested personal pensions loaded with unregulated investments, overseas property, or illiquid assets unsuitable for retirement funds.
Pension Liberation Scams
Schemes promising early access to pension funds before age 55, often resulting in massive tax charges and lost retirement savings.
Unnecessary Consolidation
Consolidating multiple pensions when it wasn't in your interests, losing valuable benefits and incurring unnecessary charges.
Excessive Charges
High management fees, platform charges, and ongoing adviser fees that weren't properly disclosed and erode pension value.
Inappropriate Risk Levels
Pension funds invested in assets with risk levels inconsistent with your age, retirement timeline, or capacity for loss.
Regulatory Standards for Pension Advice
The FCA sets strict requirements for pension transfer and investment advice:
Our Claims Process
Expert Case Review
We review your pension transfer documentation, suitability reports, and investment performance. For final salary transfers, we obtain scheme rules and compare guaranteed benefits against what you were actually advised to do.
Pension Transfer Analysis
We instruct specialist pension transfer experts to analyse whether advice was suitable. For DB transfers, experts assess whether the transfer was justified given your circumstances and whether analysis complied with FCA standards.
Complaint & Negotiation
We submit detailed complaints to your financial adviser, setting out breaches of duty and quantifying losses. This includes lost guaranteed benefits for DB transfers and investment losses for unsuitable SIPP investments.
Ombudsman or Litigation
If complaints are rejected or compensation is inadequate, we escalate to the Financial Ombudsman Service. For high-value claims exceeding Ombudsman jurisdiction, we pursue court proceedings on a no win, no fee basis.
Why Choose Us
Pension Transfer Specialists
Extensive experience in final salary transfer claims and SIPP mis-selling cases across all regulators and courts.
No Win, No Fee
We offer no win, no fee agreements for pension claims, so you can pursue compensation without financial risk.
Actuarial Expertise
Access to leading pension actuaries and transfer specialists who provide expert evidence on losses and suitability.
Maximum Compensation
We fight for full compensation including lost guaranteed benefits, investment losses, and consequential losses.