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Claim Your Pension Justice: Expert Help for Doctors Affected by Mis-sold Pensions with X-Claims

Are you a doctor who suspects you may have been mis-sold your pension? Don’t let financial uncertainty overshadow your years of hard work and dedication. X-Claims is here to support you in seeking compensation and securing your financial future.

Watch our short video to see if you may have been mis-sold your pension.

Understanding Mis-sold Pensions for Doctors:

As a medical professional, your focus is on healing and caring for others. However, mis-selling of pensions can disrupt your financial stability, impacting your well-deserved retirement. If you believe you may have been affected by mis-sold pensions, you have the right to seek justice.

Examples of Mis-sold Pensions :

    • You joined the NHS and were advised to opt out of the NHS Pension in favour of a private pension scheme, at some point in your career.
    • You were sold a personal or stakeholder pension but did not have any private consultancy earnings.
    • You were sold a FSAVC and not advised to purchase the maximum number of added years in the occupational scheme.
    • You were persuaded to purchase a personal stakeholder pension, before 2008 (when added years were withdrawn), to harbour tax against your private earnings, instead of purchasing the maximum number of added years available first. According to your budget, you were not given this option to potentially fund both scenarios.

Common Reasons for Pension Mis-selling for Doctors:

    • Unsuitable Advice: Your pension may have been recommended without considering your specific financial goals and needs.
    • Hidden Fees: Critical information about the fees and charges associated with your pension might not have been fully disclosed.
    • Inadequate Information: You were not provided with sufficient information about the options available to you in your occupational scheme, in order to make an informed choice.

Why Use Us?

Expert Knowledge: With in-depth expertise in pension regulations, we can navigate the complexities of your claim efficiently.

Doctor-Centric Approach: We understand the demands of your profession and offer personalised support, making the claims process as smooth as possible.

Proven Results: Our track record demonstrates successful pension compensation claims for doctors like you.

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 – 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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