Get help with your mis-sold pension

We offer a hassle-free process, with no up-front fees, so there is nothing to pay unless we are successful with your claim. View Our Full Terms and Fees here.

Are you a medical practitioner?

Most Medical Practitioners are completely unaware that they have been mis-advised on their pensions or investments, and that they can claim substantial amounts of money back that is owed to them.

FSAVC Compensation

FSAVC(s) pensions have been mis-sold to thousands of people. If you have an FSAVC it is worth checking to see if you have been mis-sold.

SIPP Pension Compensation

SIPP mis-selling occurs when financial advisers convince pension holders to invest their money into a SIPP scheme that promises higher returns on very risky, (and often unregulated) investments.

Pension Opt Out

An opt-out is where you could have been a member of an occupational pension, particularly a “defined benefit” or “final salary” scheme and you were told to ‘Opt Out’ and purchase a personal pension instead.

Investments & Bonds

Investment misselling occurs when you have received deliberate or misleading advice, where the investment was misrepresented or unsuitable.


Mortgage mis-selling occurs when it is improperly sold to a borrower. Mortgages were only regulated from contracts which were entered into on or after 31st October 2004.  

Pension Transfers

You may have been persuaded to transfer out of your original occupational pension scheme into a personal one. Any transfer out of an occupational scheme could be a mis-sale.

Personal / Stakeholder Pension

These types of pensions may have been unsuitable for you if you had the option to purchase added years or contribute to your In-House AVC, and especially if you had no private earnings.

Welcome to X-Claims – Financial Claims Management Specialists

X-Claims is a Claims Management Company (CMC)

Are you due compensation on a mis-sold Pension or Investment?

Did you lose money on a mis-sold pension mortgage or investment, such as FSAVC(s) pensions, SIPP pensions, Personal or Stakeholder Pensions, or an opt-out/pension transfer? You could be entitled to thousands of pounds in compensation.

Our team has a wealth of historical knowledge and expertise. We understand that these cases can be extremely time-consuming and stressful, but we’ll take care of everything for you. Don’t worry about providing any original paperwork, we’ll take care of that.

What’s more, if we don’t achieve a successful outcome, there is nothing to pay for our service, no matter how complex the work involved. View our full set of fees and terms here. We want to make sure you get the compensation you deserve without any added stress.

Most people are unaware that they were mis-sold a pension, mortgage or investment and that they can claim back a significant amount of money owed to them. So, is yours one of them? Let us help you find out! Contact us today to see if you have a basis for a mis-selling claim.

Frequently Asked Questions

How Do I Know If I Have A FSAVC Claim?

How long will my claim take?

Can I complain myself?

What are your fees?

I do not have my pension or policy number, can I still claim?

Is there a lot of paperwork involved, as I do not have much time?

View full FAQs

You do not need to use a claims management company to make a claim. You can do this yourself for free, and if your claim is unsuccessful you can pursue it yourself with the Financial Ombudsman Service. If your product provider or your financial advisor is no longer in business, you may be able to use the Financial Services Compensation Scheme (subject to their Rules).
X-Claims Limited is authorised and regulated by the Financial Conduct Authority – FRN: 829746

How it works

The 3 main steps to making your claim with X-Claims


Free Assessment / Consultation

Contact us and we will provide you with a free assessment


We Process / Handle Your Claim

We take care of all the paperwork and negotiations on your behalf


You Receive An Outcome

Once we get an outcome, we will let you know right away

Get Started

We will provide you with a free, no-obligation assessment of your case and let you know how we can help you recover your losses.

What Our Clients Say

We have hundreds of happy clients, read their reviews of our service

Successful Claim – Dr K – Aug 22

“I have great pleasure in writing a testimonial for Mrs Lorraine Williams working for X Claims an organisation fighting injustice for clients since 2006. I have known her since we contacted her in March 2019 when we learnt a policy pension taken out by us with Wesleyan was wrongly sold to us in 1997. She is part of a task finish group who investigated and conveyed the information at every step of the way. All this has given me a good insight and knowledge in her capabilities. Lorraine is hardworking, efficient, reliable, confident, has good organisational skills and excellent communication skills. All information given to me was in good faith and explained well keeping to their limitation so not giving their own advice. She is sincere, reliable, considerate, thoughtful, eloquent, attentive, obliging, and trustworthy. She is proactive and focused and I highly recommend her and her organisation to everyone. I wish her success.”

Successful Claim – Dr B – Jan 23

“I was one of many doctors persuaded- via the medium of a free sandwich – to join a Wesleyan freestanding AVC pension instead of buying extra NHS years in the 1990s. I switched to another scheme a decade later but I discovered both were mis-sold, the first by concealing from me the benefits of added years and the second by downplaying my NHS pension prospects on the AVC registration documents. Lorraine, Howard and the X-Claims team were recommended by a colleague who was similarly mis-sold a Wesleyan pension. Looking back, I am amazed at how financially naive we were! X-Claims is a reputable and trustworthy service and secured me compensation for both these pensions. The form filling process was made easy and both Lorraine and Howard provided clear and helpful advice, no doubt honed from decades of fighting complex cases for their clients. For one of the two cases, we went to the ombudsman twice (!) before getting compensation. I have never put in an official claim for anything in my life so this was unfamiliar territory but they were reassuring and sensible. I am happy with the outcome and wholeheartedly endorse their service to anyone wavering about making a claim.”

Successful Claim – Dr R – Jan 23

“Lorraine Williams and her team have proven to be tenacious and patient in making representations to Sanlam and Sun Life Financial of Canada, which has resulted in over £60K in compensation being recovered.

I have recommended X-Claims to a number of colleagues, who are of a similar generation to me, in the 1980s – 1990’s who were heavily pressured and oversold into purchasing Free Standing Additional Voluntary Contributions (FSAVCs) as a way of maximising our pension pot at the start of our NHS Careers.

I thoroughly recommend X-Claims as a relatively stress free way to recoup money that was paid as commission to ‘Financial Advisors’ pedalling their financial products inappropriately to Junior Doctors on NHS Final Salary Pension Schemes.”

Why Use Us?

You may not know it, but you could be owed a substantial amount of money if you were mis-sold a pension or investment. We specialise in helping clients who were mis-sold pensions such as; FSAVCs, SIPPs, personal or stakeholder pensions, or mis-sold an investment or mortgage. If you have lost money and think you may have a claim, we’re here to help.

Our team of claims specialists have over 17 years of experience, ensuring that you benefit from access to our extensive knowledge and expertise.

We offer a hassle-free process, with no up-front fees, so there is nothing to pay unless we are successful with your claim. See our full terms and fees here.

You do not need any historical paperwork to make a claim.

We take the complexity out of your pension or investment complaint and do all the hard work for you.

We have an excellent 100% feedback rating from our client testimonials. Read them here.

Get In Touch

Have a question or just want to get in touch? Give us a call or fill in our contact form. Would you like to speak to one of our specialists over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

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Opening Times
Monday – Friday: 8am – 8pm
Saturday – Sunday: Closed

0800 1303663

[email protected]

Postal Address
PO Box 470, Tonbridge, Kent, TN9 9FG

Administration Address
Oakley House, Fordcombe Road, Penshurst, Kent, TN11 8DP

Contact Us

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