Pension Mis-Selling Claim
ACTIVE — FOS UPHELD

Talbot and Muir — Pension Claim

Talbot and Muir is an established SIPP provider with a documented FOS upheld decision confirming its due diligence obligations on introducers and investments. If you held a Talbot and Muir SIPP, FOS routes are available.

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What Happened

Talbot and Muir Ltd is an independent SIPP provider. The firm has faced complaint activity and FOS upheld decisions relating to its acceptance of SIPP business from introducer firms without conducting adequate due diligence. The FOS found in DRN-3741499 that Talbot and Muir had its own regulatory obligations when accepting business via an in-specie transfer and that those obligations applied independently of the investment manager’s authorised status.

FOS Decisions — Evidence on Record

The following decisions are a matter of public record. Decision references can be verified at financial-ombudsman.org.uk.

DRN-3741499

FOS — Talbot and Muir due diligence obligations apply on SIPP book transfer

The ombudsman found that Talbot and Muir as receiving SIPP operator was required to carry out due diligence at outset, even though the transfer was an in-specie transfer with the same investment manager remaining in place. The firm’s argument that the in-specie nature of the transfer reduced its due diligence obligations was rejected. Talbot and Muir’s ongoing obligations were also confirmed.

Which Claim Routes Apply

Route 1

Direct Complaint

A formal complaint to Talbot and Muir is the first step.

No cap
Route 2

FOS Escalation

The FOS has upheld complaints confirming Talbot and Muir’s operator due diligence obligations.

Up to £455,000
⚠ Time Limit Warning — Act Now

Act now. The six-year FOS clock runs from the date of the original transfer. See redressadvisory.com/time-limits for the full limitation framework.

Frequently Asked Questions

What did the FOS find about Talbot and Muir in DRN-3741499?

The FOS found Talbot and Muir was required to conduct due diligence when accepting a SIPP in-specie transfer, including ongoing monitoring of the investment manager. The firm could not reduce its obligations simply because it was receiving a transfer rather than a new application.

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Redress Advisory Ltd is a technology platform. Regulated claims work carried out by our SRA-authorised Operating Partner solicitor firms. You may complain directly to the FOS (0800 023 4567) or FSCS (0800 678 1100) free of charge. Legal references: Berkeley Burke v FOS [2018] EWHC 2878 · Adams v Options UK [2021] EWCA Civ 1188 · Fletcher v Options UK [2024] EWCA Civ 541.