Redress Advisory
Pension claims specialists
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Pension redress specialists

Were you advised to transfer your pension? You may be owed redress.

Get a free, indicative assessment of your potential FSCS or Firm/FOS claim in under 3 minutes — driven by the same actuarial calculation our advisers use.

Start free assessment How it works
  • No obligation
  • £85,000 FSCS cap if your adviser has failed — uncapped if still trading
  • Actuarially driven
  • Claim process managed for you
1. Tell us about your transfer

Enter the basics: date you joined and left service, salary, transfer date and current value.

2. We calculate your shortfall

Our model values what your defined-benefit pension would be worth today versus your current pot.

3. We file the FSCS claim

Sign our Letter of Authority and we manage the entire compensation process for you.

High %
of DB transfer complaints upheld by the FOS
7.68%
critical yield required in one upheld case — unrealistic by any measure
£85k
FSCS cap per claim if your former adviser has failed
Uncapped
if the firm is still trading — pursued directly
Financial Ombudsman Service evidence

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.”

Financial Ombudsman Service — pattern across upheld DB transfer decisions
Valuable guarantees ignored

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.

Unsuitable advice

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.

Unrealistic critical yields

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.

Failed documentation

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.

Starting position: transfers presumed unsuitable

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.

Redress restores the position you'd have been in

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.

See the full FOS evidence →

Ready to find out where you stand?

It takes about five minutes. No payment or commitment until you choose to engage us.

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