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Mis-Sold FSAVC Compensation

At X-Claims, we understand the importance of employee benefits for public sector workers, doctors, and teachers. While opting for a FSAVC pension scheme may have seemed like a prudent decision at the time, we recognise that mis-advice for the recommendation may have caused unexpected financial setbacks. Many dedicated professionals in the public sector have faced substantial financial loss due to the mis-selling of FSAVC pension schemes. Our expert team has witnessed numerous cases where individuals were led astray by ill-informed advice, due to mis-direction away from the occupational scheme offerings.

How to Identify FSAVC Pension mis-selling and seek compensation:

  1. Loss of Valuable In-house Pension Benefits: We understand the value of employer scheme guarantees and lower product costs associated with public sector pension schemes. Mis-advice may have led you to forego these valuable in-house benefits.
  2. Impact on Pension Funds: The increased costs linked to private schemes may have eroded your pension funds, leaving you with a diminished retirement nest egg.
  3. Advising Against ‘Added Years’: Mis-sold FSAVC pension schemes may have discouraged you from taking advantage of ‘added years,’ depriving you of additional retirement income.

Your Deserved Compensation:
At X-Claims we believe that those affected by mis-sold FSAVC pensions deserve fair compensation. Our dedicated team of financial experts specialises in assisting public sector workers, doctors, and teachers in reclaiming their financial security.

Why Use Us?

Expertise: We have an in-depth understanding of FSAVC pensions and the complexities surrounding mis-selling cases.

Compassionate Approach: We empathise with the challenges you may have faced and may still be facing and we are committed to providing compassionate, yet professional support throughout the process.

Transparent Communication: You can rely on us for transparent and clear communication at every stage of your claim.

Some of the Typical Companies that mis-sold FSAVC Pensions:

Saint James’s Place (SJP) – Previously Rothschild Insurance
Sanlam – Previously: MI Group, Merchant Investors Assurance
Sun Life Financial of Canada (SLFOC) – Previously: Lincoln, Lincoln Financial, City Financial Lincoln Financial, Laurentian Life, City Financial
Sesame – Previously: Countrywide Independent Advisers, Baxter Fensham, Manse Capital
Zurich – Previously Allied Dunbar, Eagle Star
Chase De Vere – Previously: Medical Money Management (MMM)
ReAssure – Previously: GAN, Windsor Life, General Portfolio, Legal & General
Aviva – Previously: AXA Sun Life, Friends Life, Friends Provident, Norwich Union, Winterthur Life
Royal London – Previously: Scottish Life, Co-Op Insurance
Phoenix Life – Previously Pearl Assurance
Prudential – Previously Scottish Amicable
Royal Bank of Scotland (RBS)
Royal Sun Alliance
Scottish Widows, Lloyds Bank
Standard Life – now Phoenix Group
Teachers Assurance (now LV)
Wesleyan – Previously: Medical Sickness

What Our Clients Say

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

Successful Claim – Dr K – Apr 23

“Lorraine and the team at X-Claims are highly professional and communication was excellent at all stages. They are highly experienced experts in their field and give sensible and honest advice regarding the prospects of a claim. I would recommend them to anyone concerned about historical pension mis-selling (in my case of FSAVCs).”

Successful Claim – Mr M – Teacher – Apr 22

“I cannot speak highly enough regarding the friendly and professional way in which my FSAVC claim was handled by Lorraine and her team. They handled everything for me and my substantial compensation was a delightful surprise. I will be strongly recommending X-Claims to my colleagues and friends.”

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.”

Successful Claim – Dr D – Dec 21

“Since being introduced to X-Claims, I have found their service to be nothing short of fantastic ! They have been extremely clear in what is needed, and extremely patient also. My thanks to Sophie and Lorraine for their incredibly hard work in achieving a very positive result for me, and for keeping me updated throughout the whole process. I would wholeheartedly recommend them to colleagues in a similar position, as their persistence in pursuing my case reflects their commitment to their clients.”

Other Types Of Claim

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.

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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