Mis-sold pension claims
Mis-sold a pension? Start your free check in 60 seconds.
Thousands of people were advised into SIPPs and schemes that were wrong for them. If that happened to you, you could be owed compensation.
Signs you may have been mis-sold
If any of these sound familiar, it’s worth checking. One is enough. You don’t need all of them.
You didn't fully understand it
You were left confused about what you were agreeing to, or why.
You felt rushed
You were pressured to decide quickly, or into something you didn't really want.
Your pension has lost money
The new scheme has performed badly since you transferred.
Fees weren't explained
You paid charges that were never clearly set out at the start.
Risks weren't spelled out
Nobody properly explained what could go wrong with the new investment.
It was sold as a tax move
A SIPP or transfer was recommended mainly as a way to avoid tax.
Returns were 'guaranteed'
You were promised fixed or guaranteed returns that sounded too good.
You were offered incentives
Cash or perks were dangled to get you to move your pension.
Starting takes about 60 seconds. No obligation.
Did you know
£125m
paid out by the FSCS in 2025/26 alone to people given unsuitable pension and investment advice*
69%
of savers who took defined benefit transfer advice between 2015 and 2018 were told to transfer, despite the FCA's view that most people are better off staying put*
60s
is all it takes to start your free check online
*Sources: FSCS Annual Report 2025/26, which reported over £125m of compensation for unsuitable investment, pension and SIPP advice; FCA defined benefit transfer market-wide data, April 2015 to September 2018 (published June 2019), which found 69% of members who received transfer advice were recommended to transfer. Individual outcomes vary, and checking your own agreement is free. Clarity Claims Ltd is authorised and regulated by the Financial Conduct Authority, FRN 837247.
How the process works
Three steps, honest timescales, and one person looking after you throughout.
We check, for free
Tell us about your transfer and we review whether the advice looks unsuitable. All we need is your provider's name and roughly when you transferred.
We build your claim
If you have a case, we gather the paperwork and submit the claim to the firm. You do nothing. We chase, and you get plain-English updates.
You get what's yours
If your claim succeeds, our fee is a capped percentage of what you get back, shown to you before you commit. If it doesn't, you pay nothing.
On your side
We’ve handled claims like yours since 2020. Confident with big institutions, warm with the people we act for.
A named handler, not a call centre
One person looks after your claim and answers your questions, start to finish.
Plain-English updates
We tell you what's happening, what's next, and how long each step usually takes.
No win, no fee
Checking is free. If your claim succeeds, our fee is a capped percentage, shown to you before you commit.
We deal with the firm
We handle the letters, the evidence and the chasing. You do nothing but stay informed.
Clear about what’s yours
Money, recovered.
Since 2020 we’ve helped people take back what unsuitable advice took from them: plainly, honestly, and at their pace.
Honest about the deal
Checking is free. If your claim succeeds, our fee is never more than 25% + VAT of what you get back, and on larger recoveries the FCA’s caps bring it lower still. We show you the exact amount before you commit to anything.
If your claim is unsuccessful, you pay nothing. You can also claim yourself, for free, through the firm, the Financial Ombudsman Service or the FSCS.
One exception to “nothing”: you can cancel free of charge within 14 days of signing. If you cancel after that and we’ve already done substantive work on your claim, we may charge a reasonable amount for the work done, based on the time spent. It is set out in our terms and always explained to you first.
| What you get back | Our fee | Never more than |
|---|---|---|
| Up to £1,499 | 25% + VAT | £420 |
| £1,500 – £9,999 | 25% + VAT | £2,500 |
| £10,000 – £24,999 | 25% + VAT | £5,000 |
| £25,000 – £49,999 | 20% + VAT | £7,500 |
| £50,000 and over | 15% + VAT | £10,000 |
“Never more than” amounts are the FCA’s fee caps, excluding VAT. Our fee is always the lower of our rate and the FCA cap for your band. Source: FCA Policy Statement PS21/18, in force since 1 March 2022.
Questions, answered plainly
How do I know if I was mis-sold?
Common signs: you felt rushed, the risks or fees weren't explained, or you were promised returns that sounded too good. You don't need to be sure. Tell us what happened and we'll check for free.
What does it cost?
Checking is free, and there's nothing to pay if your claim doesn't succeed. If it does, our fee is never more than 25% + VAT of what you get back, and less on larger recoveries, where the FCA's caps apply. We show you the exact figure before you commit.
Source: FCA Policy Statement PS21/18 (the claims management fee cap)
How long does a claim take?
Most claims take several months; complex ones can take longer. We'll give you a realistic estimate at the start and keep you updated at every step. We won't pretend it's quicker than it is.
Do I need my old paperwork?
No. It helps if you have it, but we can request the records from your pension provider and the firm that advised you.
Can I claim without using you?
Yes. You can complain directly to the firm, and refer it to the Financial Ombudsman Service or the FSCS yourself, for free. Some people prefer us to handle it. That's the service you're paying for.
Will this affect my credit score?
No. Checking your eligibility and making a claim have no effect on your credit score.
Clear about what’s yours. Start your check in 60 seconds.
Answer a few questions about your pension transfer. We’ll tell you honestly whether it’s worth pursuing.
No win, no fee. You can also claim directly with the firm, the Financial Ombudsman Service or the FSCS for free.
