Pension Claims

Pension transfer mis-selling occurs when you receive unsuitable advice to transfer from a defined benefit (final salary) pension to a defined contribution scheme. This advice must meet strict regulatory standards, and if the adviser failed to properly assess your circumstances, explain the risks, or consider alternatives, you may have a claim.

Generally, you have six years from the date of the unsuitable advice or three years from when you discovered (or should have discovered) the problem. However, pension claims can be complex, and different time limits may apply depending on your circumstances. Contact us as soon as possible to protect your rights.

A SIPP (Self-Invested Personal Pension) gives you greater control over your pension investments. Mis-selling typically occurs when advisers recommend SIPPs containing high-risk, illiquid, or unregulated investments that are unsuitable for your circumstances, age, or retirement goals. Common problematic investments include overseas property, storage pods, and exotic schemes.

Yes. If your adviser has ceased trading, you can claim compensation from the Financial Services Compensation Scheme (FSCS). The FSCS protects consumers when FCA-authorised firms fail and can pay up to £85,000 per claim. We can help you navigate the FSCS claims process.

Compensation aims to put you back in the position you would have been in had you received proper advice. This typically includes the difference between your current pension value and what it would have been worth if you'd received suitable advice, plus interest. In some cases, you may also claim for consequential losses and distress.