Frequently Asked Questions
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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 Do I Know If I Have A FSAVC Claim?
Each product is different and our team of specialists can assist you with a quick telephone call to help ascertain if you have the basis of a claim. Simply fill in our contact form and we can arrange an appointment date, and time to suit you.
How long will my claim take?
Depending on the complexity of your case, claims can take anywhere from 6 months to up to 12+ months, and sometimes longer if we have to appeal to the Financial Ombudsman.
Can I complain myself?

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).

What are your fees?

If you engage X-Claims Ltd, a success fee will be payable if you are awarded compensation. This is set out in the table on our Fees page and is fully in accordance with Rules on fees laid down by the Financial Conduct Authority

I do not have my pension or policy number, can I still claim?
We are able to source your pension and policy details and paperwork by writing to your provider, using a letter of authority, so please do not be concerned if you are not able to remember all your details.
Is there a lot of paperwork involved, as I do not have much time?
X-Claims takes the hassle, complexity and stress away from our clients who are very limited on time to be able to deal with their own claims, which can be very complex and time consuming. We deal with your claim on your behalf and guide you through the entire claims process, whilst sending you regular updates.
What are Added Years?

An added years contract is a service-based benefit available only in the 1995 Section of the Pension Scheme. It allows Members who could not achieve the maximum Scheme Membership, at their normal pension age, to purchase additional Membership. This additional Membership provides you with additional index-linked pension and a tax-free lump sum.

What is LTA?
The lifetime allowance is set by the government and limits the total amount you can build up in pension benefits over your lifetime, whilst still enjoying the full tax benefits. If you go over the Allowance you will generally pay a tax charge on the excess when you take a lump sum or income from your pension pot, transfer overseas or reach age 75 with unused pension benefits.

Get Help With Your Complaint Today & Contact X-Claims


X-Claims has a proven track record in successfully winning maximum compensation for their clients and works on a no-win no-fee basis with no up-front fees. You can only make a claim once, so using a professionally qualified regulated firm can be invaluable. If you are unhappy in any way and are dissatisfied with your financial service provider then please get in touch with us. Fill in our Contact form Below.

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 – 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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Saturday – Sunday: Closed

0800 1303663

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Postal Address
PO Box 470, Tonbridge, Kent, TN9 9FG

Administration Address
Oakley House, Fordcombe Road, Penshurst, Kent, TN11 8DP

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