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.
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.
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. Secondary lenders that offered sub-prime loans during the early 2000s, rather than the brokers that sold the loans.
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
Have you, as a dedicated civil servant or government employee, faced the distress of mis-advised or mis-sold pensions? Don’t let financial uncertainty overshadow your years of public service.
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