Terms of Engagement

Redress Advisory ("we", "us", "our") is a claims management firm specialising in defined‑benefit pension transfer redress claims. By signing the Letter of Authority and accepting these terms, you ("the client") engage us to act on your behalf in relation to your claim.

• Carry out a free indicative assessment of your potential claim.
• Request supporting information from your former pension scheme, product providers and previous adviser firm.
• Prepare and submit your claim to the FSCS, or to the firm directly if it is still trading.
• Correspond with the FSCS / firm and update you on progress.
• Review any decision and discuss next steps with you, including any right to refer to the Financial Ombudsman Service.

• The fee is calculated on the gross redress amount awarded by the FSCS or the firm (including any uplift for tax, interest or augmentation to your pension).
• Where redress is paid as a lump sum, our fee is deducted from the settlement before it is paid to you. Where redress is paid into a pension, we will invoice you separately for the equivalent amount.
• VAT, where it applies at the prevailing rate, is added to the fee.
• There are no upfront fees, application fees or hourly charges.

If the FSCS awards you £55,000 of redress, our fee would be £11,000 (20%) plus VAT if applicable. You would receive £44,000 net (before any VAT adjustment). Figures are illustrative only.

You do not have to use a claims management company. You can submit a claim to the FSCS directly, free of charge, at www.fscs.org.uk, and you can refer complaints to the Financial Ombudsman Service free of charge. By engaging us, you are choosing to pay our success fee in exchange for managing the claim on your behalf.

• You may cancel within 14 days of signing without charge or reason ("cooling‑off period").
• After 14 days you may still cancel at any time before redress is offered, again without charge.
• If you cancel after a redress offer has been made (whether you accept it or not), our success fee remains payable on the offered amount.
• Cancellation must be sent in writing to claims@redress-advisory.com.

• Provide accurate and complete information to the best of your knowledge.
• Forward any correspondence you receive from the FSCS, your former adviser, scheme or provider to us promptly.
• Do not pursue the same claim through another representative while this agreement is in force.

We process your personal data to assess and pursue your claim, in line with UK GDPR. We share information only with the FSCS, your pension scheme/provider, the firm being claimed against, our regulators and our professional advisers. You may request access, correction or deletion of your data at any time.

If you are unhappy with our service, please email claims@redress-advisory.com. If we cannot resolve your complaint, you may refer it to the Financial Ombudsman Service.

These terms are governed by the laws of England and Wales.