We Are Experts in Mis-sold Sesame Pensions
If you believe your FSAVC policy with Sesame was mis-sold, you could be entitled to thousands of pounds in compensation. At X-Claims, we are specialists in handling mis-sold pension claims, and we are here to assist you in seeking the compensation you rightfully deserve.
Understanding Mis-sold Sesame Pensions:
- Unsuitable Recommendations: A pension advisor may recommend a pension product that is not suitable for the individual financial circumstances, risk tolerance, or retirement goals.
- Failure to Assess Individual Needs: The advisor may not have conducted a proper assessment of the customer’s financial situation, including their existing pensions, savings, and other investments, leading to an inappropriate pension recommendation.
- Inadequate Risk Disclosure: Customers may not have been fully informed about the potential risks associated with their pension investment, especially if it involves high-risk or complex financial products.
- Sesame Is a Network for many Independent Financial Advisers: You would not have been advised by Sesame directly, but they are responsible for the compliance for companies under their wing, including firms that are no longer trading.
- Hidden Fees and Charges: Important information about fees and charges associated with the pension may not have been adequately disclosed, leading to unexpected deductions from the pension fund.
- Pressure Selling Tactics: Aggressive sales tactics or pressure to make a hasty decision without sufficient time for the customer to consider the options could result in a mis-sold pension.
- Not Considering Existing Pension Plans: The advisor may recommend consolidating existing pensions into a new plan without considering the benefits and features of the existing plans.
- Misleading Information: The advisor may provide misleading information about the projected growth of the pension fund, potential returns, or other key aspects of the product.
- Lack of Understanding: The customer may not have fully understood the terms and conditions, risks, or consequences of their pension plan due to inadequate explanations by the advisor.
Why Use Us?
At X-Claims, we specialise in handling pension claims that are the responsibility of Sesame. Our team ensures a personalised approach to your claim. Here’s why you can trust us to handle your pension compensation claim:
Expert Knowledge: With extensive expertise we navigate the complexities of your claim with precision.
Client-Centric Approach: Your needs are our priority, and we offer tailored support to streamline the claims process.
Proven Results: Our track record speaks for itself, with many successful pension compensation claims against Sesame.
What Our Clients Say
We have hundreds of happy clients, read their reviews of our service
“Excellent service. Made what could have been a very complex process for a novice very simple and straight forward. Very helpful with the form filling which made the whole process stress free. Would highly recommend them.”
“I was referred to X-Claims by a colleague. The service I received from X-Claims was efficient and always friendly. The individuals I interacted with were supportive and informative as well as always being very prompt in replying to any questions. X-Claims clearly understands their field very well, knows the information that needs to be supplied, knows the limitations of the systems they have to work with, and understands when there are likely to be delays or queries from the regulatory authorities. At all stages X-Claims are very good at “holding your hand” and guiding you through the process.”
“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 miss-selling (in my case of FSAVCs).”
Other Types Of Claim
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 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.
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.
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.
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.
Monday – Friday: 8am – 8pm
Saturday – Sunday: Closed
PO Box 470, Tonbridge, Kent, TN9 9FG
Oakley House, Fordcombe Road, Penshurst, Kent, TN11 8DP