FSCS Failed / Dissolved

Were you advised by Holistic Pension Transfer Specialists?

FSCS default confirmed July 2024. Dissolved February 2025. Route 3 FSCS claims are now available for UK and overseas-linked clients.

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£30,000 Claim band from
9/10 Opportunity score
UK Domestic Segment
Route 3 Primary route
Firm Assessment

● FSCS Default July 2024 | Dissolved February 2025 | FRN 747407

What happened

Holistic Pension Transfer Specialists Ltd (FRN 747407) provided pension transfer specialist sign-off on DB transfers for UK and overseas-linked clients. The FSCS declared it in default in July 2024 and the firm was formally dissolved in February 2025.

Route 3 FSCS claims are now available. For losses exceeding £85,000, Route 4 civil litigation against the SIPP operator or other parties is assessed in parallel.

Who this affects

Clients for whom Holistic PTS provided PTS sign-off on a DB transfer, including clients introduced via overseas channels.

Claim Routes

Which Routes Apply to This Firm

Based on this firm's current regulatory status, the following routes are available. Primary route is listed first.

Route 3

FSCS Claim (Failed Firm)

Direct claim to the Financial Services Compensation Scheme where your adviser firm has closed, entered administration, or been declared in default. Government-backed compensation of last resort.

FSCS pays up to £85,000 per person, per firm for pension advice mis-selling. For losses above this limit, Route 4 is assessed in parallel.
Route 4

Civil Litigation (Uncapped)

Uncapped civil court recovery where the SIPP operator, pension trustee, or other party bears legal responsibility. Pursued through our SRA-regulated solicitor partner panel. Fully uncapped under SRA Claims Management Fees Rules 2024 (Rule 2.6).

No cap. Civil courts can award the full value of your demonstrable financial loss. Legal basis: Berkeley Burke v FOS [2018], Adams v Carey Pensions (FSMA s.27), Fletcher v Options UK [2024] EWCA Civ 541.
Questions & Answers

Frequently Asked Questions

What is a pension transfer specialist?
A PTS must personally sign off any DB transfer recommendation. Where that sign-off was negligent, the PTS is liable for the resulting loss.
I was an overseas client. Can I still claim through the FSCS?
Potentially, if the advice was given under UK FCA authorisation. We assess jurisdiction as part of case opening.
Urgent — Act Promptly

Time Limits on Your Claim

Pension mis-selling claims are subject to strict DISP and Limitation Act time limits. Missing a deadline can permanently bar your right to compensation.

⚠ Do Not Delay

FSCS default was July 2024. Standard time limits apply from the advice date. If your transfer was before July 2018, check our time limits guide promptly. View our time limits guide.

View the full time limits guide →

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Our SRA-regulated solicitor partners assess every case individually — free of charge, with no obligation to proceed.

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Also Reviewing

Other Firms Under Assessment

Redress Advisory is reviewing pension transfer advice from a range of firms. If your adviser is listed below, a dedicated claim page is available.

Named firms with dedicated pages
Pembrokeshire Mortgage CentreActive Wealth (UK) LtdVintage Investment ServicesCeltic Wealth ManagementTenet GroupLighthouse Financial AdviceSt James's PlaceWellington Court Financial ServicesGuinness Mahon Trust CorpPurely Pensions / Purely FinancialBrite Advisory GroupdeVere GroupAES InternationalChase BuchananGuardian Wealth ManagementFiduciary Wealth ManagementHolborn Assets

Important Notice

Redress Advisory Ltd (Company No. 17295681) is a technology platform that provides case assessment and referral services. Redress Advisory is not a claims management company and is not regulated by the Financial Conduct Authority as such. All regulated claims management activity and legal work is carried out exclusively by our Operating SRA Partner (OSP) solicitor firms, each of which is independently authorised and regulated by the Solicitors Regulation Authority.

You do not need to use Redress Advisory or a solicitor to pursue a pension mis-selling complaint. You can complain directly to the financial firm, escalate to the Financial Ombudsman Service (FOS), or apply to the Financial Services Compensation Scheme (FSCS) yourself, free of charge. If you instruct a solicitor through our OSP partner panel, their fees will reduce any compensation you receive.

The information on this page is for general informational and educational purposes only. It does not constitute legal, financial, or regulated advice of any kind. Individual outcomes depend on the specific facts of each case.

FOS: 0800 023 4567  |  FSCS: 0800 678 1100  |  FCA Register: register.fca.org.uk