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Case Study: Mr T

Case Study

We helped steer Mr T’s retirement dreams back on course, ensuring his planned cruise trip was no longer just a distant dream after a mis-sold pension transfer. Read more here.

The Problem

Mr T was advised by Braemar Financial Planning, who were a member of IFA Network Limited, to transfer his National Grid UK Pension into a Scottish Life Income Release Plan in 2009. Wanting to access some money to make improvements to his home and to pay for his daughter’s wedding, Mr T transferred £124,710.00 from his scheme. Braemar Financial Planning failed to advise Mr T on what other options were available to him.

Mr T explained that if Braemar Financial Planning had clearly explained the benefits attached to his National Grid UK scheme, including the guarantee of a pension and that through transferring between schemes these benefits would be lost, he would not have transferred away.

Mr T stated that Braemar Financial Planning did not explain the benefits that were attached to his previous scheme.

The Solution

A complaint was submitted to the Financial Services Compensation Scheme (“FSCS”) detailing that the advice Mr T received from Braemar Financial Planning was inadequate and had left him disadvantaged. The FSCS investigated Mr T’s complaint and upheld it, concluding that had Mr T understood the benefits he was giving up, he would not have transferred.

Additionally, that Mr T should not have been advised to take as high a risk with his pension arrangements.

The Result

The FSCS completed their investigations and made an offer of £50,000, which is the maximum amount they could award on this particular claim, and one which Mr T accepted.

Find out if you were mis-sold your final salary pension transfer.

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Money Hands

We are here to rewrite the book for you. And luckily we are pretty damn good at creating happy endings.


When you get let down by someone you thought you could trust, it can leave its mark on you, emotionally and physically.


We are committed to transparency and fairness in the way we conduct with clients, including how we charge for our claims services.

Speak to an expert today

We have decades of experience in helping people claim back money that is rightfully theirs. Whether you want to make a mis-sold pension claim, have questions about a mis-sold investment, or you’re just looking for some advice you can trust – we’ve got you covered. Reach out to our team today for a no-obligation, completely free chat. 

Call: 01204929929

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