The FOS is a free, independent service that adjudicates pension complaints when firms reject them. The FOS upholds 55–77% of DB transfer complaints nationally. Awards of up to £455,000 apply.
Start my free assessment →You have 6 months from the date of the firm’s Final Response Letter to refer your complaint to the FOS. Do not miss this window — after 6 months the FOS will generally not accept the complaint.
If the firm fails to issue a Final Response within 8 weeks of your complaint, you can refer straight to the FOS without waiting further.
The FOS applies a 6-year absolute clock from when the advice was given, and a 3-year clock from when you first found out something was wrong. Both clocks apply simultaneously. Check your position →
We draft the full FOS referral — complaint summary, evidence bundle, loss calculation, and legal framework. The quality of the submission matters significantly.
The FOS typically acknowledges within a few weeks and assigns a case handler who investigates both sides of the complaint.
The FOS investigator issues a provisional finding. Both sides can respond. In many cases the firm accepts the provisional finding and pays at this stage.
If the firm disputes the finding, it goes to an ombudsman for a binding final decision. This adds time but the decision is legally enforceable.
The FOS directs the firm to pay compensation. Payment goes directly to you. We then invoice for our agreed success fee.
If you have received a Final Response Letter from a firm rejecting your complaint, you have exactly 6 months from that letter to refer to the FOS. After 6 months the FOS will not accept the case. If you have a rejection letter, act immediately.
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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.