Thousands of people were given unsuitable pension transfer advice between 2015 and 2022. If you were one of them, you may be entitled to redress.
Get a free, simple assessment of your position in under 3 minutes. We use the same calculation method as the FCA and FOS — not an estimate. No obligation, no upfront cost, and you can stop at any time.
- No obligation · No upfront cost · You can stop at any time · We will never cold-call you or sell your details
Calculations follow FCA DISP App 4 & FSCS methodology. Indicative only — not a guarantee of outcome.
The four claim routes
SRA Operating Framework V1See exactly how a claim works
Hover to preview, click to play with sound. No jargon — just the journey from free assessment to redress paid.
Enter the basics: date you joined and left service, salary, transfer date and current value.
Our model values what your defined-benefit pension would be worth today versus your current pot.
You sign a Letter of Authority and we package the evidence, then hand the case to the SRA-authorised law firm, which files and runs the claim through to outcome.
The evidence is on your side
The FOS has upheld a high percentage of complaints concerning Defined Benefit pension transfers. The pattern across decisions is consistent.
“Cases are typically upheld when advisers failed to prove the transfer was in the client's best interest.”
Advisers regularly failed to properly account for the secure, guaranteed nature of DB schemes — index-linked income for life, spouse pensions and inflation-linked increases — which the FOS treats as generally superior to the risks of a personal pension.
Recommendations to transfer were frequently deemed unsuitable, particularly where investors had a low tolerance for risk or limited capacity for loss. Cautious clients should not have been moved out of secure schemes.
The investment return required to match the original DB pension was often unrealistically high — for example, 7.68% per year — meaning the transferred pot was almost certain to underperform the benefits given up.
FOS decisions repeatedly note a lack of evidence on the adviser's file justifying the transfer — no clear suitability rationale, no demonstrated need, no proper analysis of alternatives.
The FOS operates on the assumption that transferring out of a Defined Benefit scheme is not in the client's best interest. The burden of proof sits squarely on the firm to demonstrate the advice was suitable — not on you.
Where complaints are upheld, firms are required to put the consumer back in the position they would have been in had they remained in the scheme. This routinely involves significant restitution for lost secure income and growth.
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