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Our Services
Pension Scams
A pension scam can erase decades of retirement savings in a single transfer. We help victims of pension liberation, SIPP mis-selling, and unregulated overseas transfer schemes recover their lost funds.
£75,000
Average loss per pension-fraud victim
Up to £85k
FSCS protection per regulated firm
4.8 ★
Trustpilot rating
Warning Signs to Watch For
- Cold call, text, or email about your pension (banned by law since 2019)
- Promise of unusually high returns or "guaranteed" pension performance
- Offer to access your pension before age 55 ("pension liberation")
- Pressure to act quickly to "avoid losing the opportunity"
- Recommended SIPP holding unregulated, exotic, or overseas investments
- Adviser introducer not on the FCA register
Our Recovery Process
1
Review
We analyse your pension transfer paperwork, advice records, and the destination scheme.
2
Identify
We identify the regulated parties who facilitated the transfer and any breach of duty.
3
Claim
We pursue FOS, FSCS, ceding scheme, and direct civil claims as appropriate.
4
Recover
We secure compensation up to £85,000 per regulated firm via FSCS, plus uncapped FOS awards.
How Pension Scams Work
Most pension scams begin with an introducer offering a "free pension review". The victim is then advised to transfer their existing pension into a self-invested personal pension (SIPP) holding unregulated investments — overseas property, storage pods, green-energy schemes, or carbon credits — that go on to fail. Others involve outright pension liberation, where funds are accessed before age 55 in breach of HMRC rules, triggering tax charges of up to 55% on top of the loss.
Routes to Recovery
- FOS complaints against the regulated SIPP provider for accepting unsuitable assets
- FSCS claims against failed regulated advisers (up to £85,000)
- Civil claims against unregulated introducers and scheme operators
- HMRC liaison to challenge unauthorised payment charges where the victim was deceived
Lost your pension to a scam?
Speak with our specialists today — free, confidential, no obligation.
Frequently Asked Questions
Not necessarily. The regulated SIPP provider that received your transfer may still be liable for failing to check the suitability of the destination investments.
If a regulated firm was involved and is now in default, yes — up to £85,000 per firm.
Yes. Where the transfer was procured by deception we can challenge the unauthorised-payment charges alongside the recovery claim.
Affected by pension scams?
Our team of expert fraud lawyers can help you recover your lost funds.