From your first free assessment to final compensation — here is exactly what happens and when.
Start my free assessment →Tell us the name of the firm that advised you, when the transfer happened, and roughly what your pension was worth. Our calculator gives you an indicative compensation estimate using the same FCA methodology the FSCS and FOS use. No commitment. No contact unless you ask for it. We will never cold-call you.
Time limits are the most common reason valid claims fail. Before anything else, we check whether you are within the FOS 6-year clock, the 3-year awareness clock, and the FSCS rules for your firm. You see your time limit position immediately — and clearly — before we ask you to do anything.
Most DB pension transfers involved more than one firm. We identify whether you have claims against your adviser, the Pension Transfer Specialist (PTS) who signed off the suitability report, and the SIPP operator. Each is a separate potential claim. If more than one firm has failed, you may have multiple FSCS claims running simultaneously.
We assess all four regulated routes and tell you clearly which apply to your case and why. Most cases run Routes 1 and 2 (direct complaint and FOS) before moving to Route 3 (FSCS if the firm has failed). Cases where losses exceed £85,000 are assessed for Route 4 at the same time.
Before signing anything, you receive our Pre-Contract Information Notice explaining the free alternative routes and our fees in full. You then sign our Client Care Agreement electronically via DocuSign. You have 14 days to cancel without charge, no questions asked. Compensation is always paid directly to you — we invoice separately after you are paid.
We draft and submit your complaint, handle FOS correspondence, prepare FSCS applications, and manage all communication with the firms and regulatory bodies. You do not need to deal with any of them directly. We keep you informed at every stage.
Where court proceedings are the appropriate next step, we organise your evidence, prepare a structured chronology, index all documentation, and create a litigation-ready electronic file. We then transfer it securely to one of our panel of SRA-authorised litigation solicitors. The solicitor reviews your case independently and, if they accept it, handles all legal advice, court proceedings, and settlement negotiations under a separate agreement with you. Redress Advisory does not conduct litigation or reserved legal activities.
All compensation is paid directly to you by the FSCS, FOS, or the firm. Redress Advisory does not receive your compensation. Once you have been paid, we issue our invoice for the agreed success fee, calculated in accordance with the FCA CMCOB 5.2 fee cap. If your claim is unsuccessful, you pay nothing.
Ready to check your claim?
Start my free assessment →Takes under 3 minutes · No obligation · We will never cold-call you
FSCS claims typically resolve in 6–18 months from submission. FOS complaints take 12–24 months. Direct firm complaints must be responded to within 8 weeks. Route 4 civil litigation is longer but uncapped. We give you a realistic timeline for your specific case at assessment.
No. The entire process can be completed online. We will never cold-call you. We communicate by email and through your secure claimant workspace. If you prefer to speak to someone, you can request a call through your workspace.
This is exactly the situation the FSCS exists to handle. If your firm has been declared in default by the FSCS, you can claim compensation directly — up to £85,000 per firm. Check our firm pages to see if your adviser or SIPP operator is in default.
Yes — and we encourage you to consider it. You can complain directly to the firm, refer to the FOS, or apply to the FSCS yourself, all free of charge. We add value where cases are complex — multiple parties, losses above the FSCS cap, Route 4 litigation requirements, or where claimants simply prefer professional management. Our free assessment will tell you whether your case is straightforward enough to handle yourself.
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.