FSCS Claims
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Expert Assistance with Financial Services Compensation Scheme (FSCS) Cases

Seeking compensation from the Financial Services Compensation Scheme (FSCS) is an area that X-Claims can assist with. We provide you with the expertise and support you need, to navigate the complexities of your FSCS case and secure the rightful compensation you deserve.

Understanding the Financial Services Compensation Scheme (FSCS)

If you have received advice from a financial advisor regulated by the Financial Conduct Authority (FCA) who is no longer in business, you may be eligible to make a claim to the Financial Services Compensation Scheme (FSCS). The FSCS has the authority to award compensation for advisors who have ceased trading.

Dealing with a Financial Advisor Still in Business:
In cases where the financial advisor is still actively trading, you should first lodge a complaint directly with them. If they do not respond within 8 weeks or reject your claim, you can escalate the matter to the Financial Ombudsman Service (FOS).

Non-FCA Regulated Advisors and SIPP Claims:
For scenarios involving a non-FCA regulated advisor who provided advice on a pension transfer to a Self-Invested Personal Pension (SIPP) and investments in unregulated products, you may have grounds for a financial compensation claim against the SIPP company. If the SIPP company is no longer in business, a claim can be made to the FSCS.

Contacting the FSCS Directly:
Yes, you can approach the FSCS directly to pursue your claim. However, it’s essential to note that handling your claim independently can be complex and time-consuming. You will be responsible for gathering all relevant information related to your case, and the FSCS cannot provide assistance with this process.

Let X-Claims Assist You:
To ensure a smooth and efficient claims process, consider seeking help from X-Claims. Our team of experts specialise in investigating cases like yours, handling the complexities, and providing you with peace of mind. We’ll gather all necessary evidence, build a strong case, and advocate on your behalf throughout the claim journey.

Why Use Us?

At X-Claims, we understand the challenges individuals face when dealing with the FSCS. Our team of experts is dedicated to assisting clients with their FSCS cases, and here’s why we are the right choice for your compensation claim:

In-Depth Knowledge: With a wealth of experience in handling FSCS cases, we are well-versed in the regulations and processes involved.

Proven Success: We have a strong track record of achieving positive outcomes for our clients in their FSCS claims.

Personalised Support: Your case is unique, and we offer personalised support throughout the entire claims process, keeping you informed at every step.

How Can X-Claims Assist You?

  1. Claim Assessment: Our experts will assess your case to determine its validity and the potential compensation you may be entitled to.
  2. Claim Preparation: We will meticulously prepare your FSCS claim, ensuring all relevant evidence is gathered to support your case.
  3. Claim Submission: We will handle the submission of your claim to the FSCS on your behalf, ensuring all requirements are met.
  4. Negotiation and Representation: If needed, we will negotiate with the FSCS on your behalf to secure the best possible compensation settlement.

Types of FSCS Cases We Handle:

  • Mis-sold investment products
  • Mis-sold pensions
  • Mis-sold insurance products
  • Unregulated investment advice
  • And more – contact us for more information
FSCS firms in default

Kellands – (Known as Burns Anderson) – Failed 7th Dec 2012 – FRN: 126191

Verdi Bowker & Bowker – (Known as Exchequergate Limited) – Failed 10th Jun 1998 – FRN: 134502

The Investment Practice – (Known as D Flowers, B Horner and R Child t/a The Investment Practice) – Failed 10th Jun 2008 – FRN: 143435

City Financial Independent Intermediaries / City Financial – (Known as 20Twenty Limited) – Failed 30th Jul 2014 – FRN: 137678

Park Row Associates Limited – FRN: 194087 – Failed 21st Jul 2015

Surrey Independent Financial Services Limited – FRN: 401467 – Failed 21st Jan 2011

UK Financial Management Limited – FRN: 150498 – Failed 21st Mar 2000

MBT Insurance Services Limited – FRN 118335 – Failed 9th Feb 2007

Pointon York Limited formerly Pointon York – FRN: 309975 – Failed 19th Jun 2020

Medical & Dental Insurance Brokers Limited – FRN: 131227 – Failed 17th May 2001

SRFM Limited formerly Paramount Financial Services Limited – FRN: 13008 – Failed 17th Sept 2004

David Bruce and others formerly t/as Bruce & Partners – FRN: 120787 – Failed 28th Jan 2008

Medical Insurance Agency Limited – FRN: 114735 – Failed 1st Dec 2004

Sage Financial Services Limited (formerly The Investment Alliance Ltd & Hilliard Associates Ltd) – FRN: 147353 – Failed 11th Aug 2006

Berkeley Independent Advisers Limited – FRN: 147353 – Failed 11th Aug 2006

Beddis Hobbs Investment Services Limited (subsequently known as Draftdance Limited) – FRN: 136021 – Failed 23rd Feb 1999

Eurosure Investment Services Limited (prev R.A. Barclay (Boston) Ltd) – FRN: 150459 – Failed 9th Feb 2006

The Clarkson Hill Group plc formerly City & Merchant Financial Services Limited – FRN: 207520 – Failed 13th May 2011

Addiscombe Group Limited (formerly Inter-Alliance Group Plc) – FRN: 165987 – Failed 29th Jan 2007

Tribune Independent Financial Management Limited – FRN: 70019 – Failed 30th Nov 1999

Abbey Financial Services – FRN: 21707 – Failed 27th May 1999

What Our Clients Say

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

Successful Claim – Dr H – Mar 21

“I was sent an email by one of my work colleagues who had recently made a claim regarding being mis-sold a FSAVC policy in the early 1990’s. I had been sold a very similar policy. I had moved house several times since taking out the policy and I had kept very little relevant paperwork. Despite this X-Claims took up my claim. There were many hurdles to obtain relevant documentation from ancient policies but Sophie and her determination got there in the end. The FSCS bombarded me with letters, all of which X-Claims dealt with. 19 months later I received the compensation I was due. Contact with X-Claims was always professional and friendly. I would not hesitate to recommending them.”

Successful Claim – Dr W – Apr 23

“Having been told that I could not get compensation because the broker who sold me my FSAVC was bankrupt, I thought I would not be able to get compensation. The X-Claims team navigated the FSCS compensation scheme and I was awarded over £38k. It took about a year as the FSCS was inundated with claims. 75% of 38k is so much better than 100% of nothing, as I would not have been able to navigate the process.”

Successful Claim – Dr B – Mar 22

“Without the help of X-Claims I would never have completed this process. Sophie was fantastic at making it easy for me to provide the relevant documentation to her and at persevering with the lengthy FSCS process. She made the whole process easy and also at the end of the day successful. I have no hesitation in recommending X-Claims and particularly Sophie for their expertise and helpfulness.”

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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