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Case Study Mr C Wins Over £105K After Getting Help From Get Claims Advice

Case Study

Discover how Mr. C turned a challenging pension situation into a triumphant win with the right guidance and support.

The Problem

Mr C was advised by a representative of Reliance Mutual, now Utmost Life & Pensions, to transfer his Armed Forces final salary scheme into a Reliance Mutual personal pension in 2000. Following conversations with the financial adviser, who informed Mr C that by transferring he would achieve “better growth” of his pension, Mr C transferred £14,834.63. However, Reliance Mutual failed to inform Mr C of the benefits of his final salary scheme, which included a guaranteed pension and spousal benefits for Mr C’s wife.

Mr C advised that if Reliance Mutual had clearly explained the benefits of his Armed Forces scheme and the loss of these benefits by transferring, he would not have transferred away.

The Solution

A complaint was sent to Utmost Life & Pensions to investigate the advice given in 2000. Utmost Life & Pensions investigated and rejected the complaint, alleging that Mr C was fully aware of the benefits he would be giving up.

As they did not agree, the complaint was referred to the Financial Ombudsman Service (“FOS”) for consideration. The FOS provided their initial decision, upholding the complaint.

They agreed that the pension transfer was not in Mr C’s best interests.

The Result

Reliance Mutual did not act fairly, as there were significant risks involved in transferring into a personal pension. These included the risk of whether or not the new scheme would match the benefits that the client would have received from the Armed Forces scheme.

Furthermore, the FOS agreed that Mr C’s future plans should have been considered by Reliance Mutual before advice was given. Utmost Life & Pensions then accepted the FOS’ findings and awarded Mr C £105,199.64, which he accepted.

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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.


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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. 

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