Where your losses exceed the FSCS cap, or where an unregulated firm arranged your transfer, there is no upper limit on what court proceedings can recover. We prepare your case and hand it to our panel of specialist solicitors.
Start my free assessment →The FSCS pays a maximum of £85,000 per firm. Where your total pension loss is larger, civil court proceedings can recover the full uncapped amount — the FSCS claim runs simultaneously to recover the first £85,000.
Where the firm that introduced you to your pension arrangement was not authorised by the FCA at the time, the pension contract may be legally unenforceable under FSMA s.27 (Adams v Options UK [2021] EWCA Civ 1188). The remedy is full unwinding — return of the original transfer value — regardless of FSCS limits and regardless of FOS time limits in some cases.
The FOS can award up to £455,000 for advice given after April 2019. Where your loss exceeds even this, or where the FOS route is closed, court proceedings are the only route to full recovery.
We organise all your evidence — documents, correspondence, pension statements, transfer paperwork — into a structured, indexed electronic file. We prepare a chronology of events, identify all relevant parties, and document the regulatory failures. This is the foundation of any successful litigation.
When your file is ready, we transfer it securely to one of our panel of SRA-authorised litigation solicitors through our secure digital handover system. You choose which solicitor to instruct — you are not obligated to use any particular firm. You remain entirely free to instruct your own solicitor instead.
The solicitor reviews your file independently and advises you on whether court proceedings are appropriate — including the merits of the claim, likely timelines, and realistic outcomes. This advice is entirely independent of Redress Advisory.
If the solicitor accepts your case for litigation, they enter into a direct client care agreement with you — a separate contract that covers legal advice, court proceedings, settlement negotiations, and the conduct of the litigation. Redress Advisory is not a party to this agreement.
Route 4 cases typically run on a Damages-Based Agreement — the solicitor takes a percentage of any damages awarded, with no fee if the case is unsuccessful. The maximum DBA rate for non-personal injury claims is 50% of damages under the Damages-Based Agreements Regulations 2013. The FCA CMCOB fee cap does not apply to Route 4 litigation — this is explained clearly before you agree to proceed.
If you were advised by an overseas firm — in Dubai, Singapore, Hong Kong, Australia, Malta, or elsewhere — that was not FCA-authorised at the time of transfer, FSMA s.27 may provide a civil court remedy for the full original transfer value with no FSCS cap. Fletcher v Options UK [2024] EWCA Civ 541 confirmed that UK courts have jurisdiction over these cases even where the advice was given overseas.
Find out if Route 4 applies to your case
Start my free assessment →Takes under 3 minutes · No obligation · We will never cold-call you
You can complain directly to the firm, or refer to the Financial Ombudsman Service (FOS) or FSCS — both completely free. If you use the free routes, you keep 100% of any compensation awarded.
| Redress received | Max % | Max fee |
|---|---|---|
| Up to £1,499 | 30% | £420 |
| £1,500–£9,999 | 28% | £2,500 |
| £10,000–£24,999 | 25% | £5,000 |
| £25,000–£49,999 | 20% | £7,500 |
| £50,000 and above | 15% | £10,000 |
Compensation is paid directly to you. We invoice after you receive your compensation. You pay nothing if unsuccessful. Source: FCA PS21/18 (Chapter 2, Table 1) & CMCOB 5.2. Excl. VAT.
If you sign a client agreement with us, you may cancel it within 14 days without any charge or obligation. No questions asked.
Contact us at complaints@redressadvisory.com. If we cannot resolve your complaint you may refer it to the Financial Ombudsman Service free of charge within 6 months of our final response.