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
Secure
Encrypted case vault
Overview
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.
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
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
Our Approach
Review
We analyse your pension transfer paperwork, advice records, and the destination scheme.
Identify
We identify the regulated parties who facilitated the transfer and any breach of duty.
Claim
We pursue FOS, FSCS, ceding scheme, and direct civil claims as appropriate.
Recover
We secure compensation up to £85,000 per regulated firm via FSCS, plus uncapped FOS awards.