Have You Transfered Your Pension From a Final Salary Scheme?

Have you received advice to transfer out of your Final Salary Pension Scheme? If so, you may have been misadvised regarding your pension, which could entitle you to compensation. Take action now and contact X-Claims today for a free consultation to assess if you are a victim of a mis-advised pension transfer. We can assist you in securing your rightful compensation.

If your employers were/are any of the following: NHS Pensions, Local Government, Armed Forces or Police contact us now for a free consultation to check if you are eligible to make a claim.

Understanding Pension Transfer Mis-selling:

Have you ever been a member of a Final Salary Pension Scheme with an employer, and been advised to transfer the occupational scheme to a private pension? There can very rarely be any circumstances where this advice would have been appropriate. Pension transfers can be a critical financial decision, shaping your retirement future. However, mis-advice during the transfer process can lead to unforeseen consequences. If you suspect you’ve been a victim of pension transfer mis-selling, you may have a valid claim for compensation.

Other Reasons for Pension Transfer Mis-selling Claims:

Lack of pension transfer financial analysis: You were not given a full comparison of benefits in writing, showing “a critical yield”.
Inadequate Advice: Your financial advisor failed to provide proper guidance, neglecting to consider your individual circumstances and risk tolerance.
Hidden Fees and Charges: You were not informed about the hidden fees and charges associated with the pension transfer, impacting your retirement savings.
Unsuitable Investments: You were advised to transfer your pension into unsuitable or high-risk investments without full disclosure of potential risks.
Technical Jargon: You did not fully understand the complexities and the drawbacks of moving your pension.

Why Use Us?

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Specialised Knowledge Our team has extensive experience in handling financial mis-selling cases, providing informed guidance tailored to your situation.

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Fair Fees: Our fees are fair and in line with FCA rules. There is nothing to pay unless your claim is successful. View our fees here >

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Comprehensive Representation: We offer full representation throughout your claim process, from initial consultation to resolution, providing peace of mind and clarity every step of the way.

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Transparent and Supportive: We believe in transparency and provide personalised support, ensuring you understand your options and feel supported throughout your claim.

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Expert Service: We’re proud to have recovered millions for pension mis-selling clients. Let us help you with your claim. Read our testimonials >

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

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.”