Download and read at your own pace. These guides cover FSCS eligibility, defined-benefit transfer mis-selling, QROPS/overseas transfers, SIPP-operator liability and complaint time limits — the questions we're asked most often.
Each guide is free, general-information only, and does not constitute financial or legal advice. Read online, or download the PDF for offline reference or to share with a family member or adviser.
What the FSCS is, when a firm is "in default", the £85,000 per-firm cap, how loss is calculated under DISP App 4, and whether you need a claims management company.
The six-year and three-year DISP 2.8 rules, when the clock starts, and how limitation applies to FOS, FSCS and civil claims — with worked examples.
When the SIPP trustee or operator — not the defaulted adviser — is on the hook, the Berkeley Burke / Adams v Options line of cases, and when a civil claim beats the FSCS cap.
When advice from an overseas firm still opens UK recourse, the role of the UK pension transfer specialist under COBS 19.1, and how FOS/FSCS/civil routes interact.
Why the vast majority of defined-benefit transfers from 2015 onward were unsuitable, the FCA's own findings, and how the redress calculation works.