“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.”

“Lorraine and Sophie were amazing in handling my claim, they took all the admin burden away and persisted. they also gave a very realistic expectation of time course and likely/potential outcomes. I would recommend them to anyone!”

“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).”

“I am delighted to recommend the services of Lorraine and the team at X-Claims. They are knowledgeable, patient and persistent. They handled every step of the process, giving superb guidance and support throughout, culminating in a successful resolution to my claim. They are undoubtedly experts in their field and Lorraine’s calm reassuring manner helped negotiate the many hurdles and delaying tactics put up by the company responsible for my mis-sold policy. Without the help offered by Lorraine and the team at X-Claims I would not have been successful.”

“A great service. Lorraine is very knowledgeable, took time to understand my situation and gave sound advice throughout ultimately winning my case. Would highly recommend”

“I found X Claims to be very pleasant to deal with and they were successful in handling my claim for a mis-sold FSAVC- I was very happy with the outcome- thank you.”

“I found X Claims to be very pleasant to deal with and they were successful in handling my claim for a mis-sold FSAVC- I was very happy with the outcome, thank you.”

“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.”

“I was introduced to X-Claims by a colleague and have had the most fantastic service from Lorraine and the team. They persevered with a complex claim dating back over 25 years and made it all very clear and straightforward for me. I cannot thank them enough and would highly recommend their service.”

“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.”