We aim to help you gain compensation for mis-sold financial products

Mis sold SIPP Claims

Self-Invested Personal Pensions (SIPPs) allow the member a much wider range of investments than those available under a ‘traditional’ personal pension scheme. Unfortunately, huge numbers of SIPP investors have made investments that have subsequently proved worthless, near worthless or impossible to sell. If the adviser is UK authorised, there may be grounds for compensation, but if they are not it can prove difficult.

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Section 32 Buyouts

Also known as pension buy-out bonds, these pensions were designed to accept transfer values from, primarily, final salary pension schemes. Although enjoying some valuable guarantees, an individual’s eventual Section 32 pension benefits may not be as high as those offered by the main employer’s scheme but may be higher than a personal pension. If the risks were not explained, you may be in for a claim.

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Pension Transfers

Final salary pension schemes invariably provide excellent benefits not only to existing employees but also to employees who have left the employer’s service before reaching retirement age. Unfortunately many have been persuaded to carry out a pension transfer to a section 32, personal pension or SIPP. These have often been badly advised and if you never received a review from the Personal Investment Authority, you may be able to claim.

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Company Pension Non-Joiners and Opt-Outs

Until the last decade most employee pension schemes within medium to large size firms provided pension and tax-free cash benefits based on an individual’s final salary. Employees who opt of pension schemes or don’t join in the first place can lose out of valuable benefits in favour of person pensions which don’t benefit from employer contributions. If you have been advised to not join or opt out of final salary pension scheme, you may be eligible to claim.

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Contracting Out of SERPS

Employees are able to ‘redirect’ part of their National Insurance Contributions – and part of their employer’s – to a personal pension, instead of them being used to pay for additional state pension benefits under the state second-tier pension. Many people were not advised on the risks of contracting out. If you weren’t informed of the risks, you may be eligible for SERPS compensation.

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AVCs and FSAVCs

There are benefits to both Free Standing Additional Voluntary Contributions (FSAVCs) and Additional Voluntary Contributions (AVCs). However, many advisers don’t compare the two to find the best option for the client. If you feel you weren’t given all the facts or the benefits to FSAVCs and AVCs, contact United Claims to see if you may be able to claim.

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How We Get Paid

We get paid entirely on results, providing you do not cancel after the 14 day cooling off period. Your mis sold pension compensation will be paid directly into our client account. We will then pay you the remainder of your compensation after our fees have been deducted.

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Frequently Asked Questions

The world of finance can often be a complicated place filled with convoluted terms that throw people off. Take a look at our easy to understand FAQs for some answers on commonly asked pension claim questions.

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Testimonials

At United Claims Management, we know how important trust is. We do everything we can do to fulfil the expectations of our clients, and hopefully gain compensation for mis sold pension claims on their behalf.

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