Claim compensation for your mis-sold pension annuity today
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Have you been mis-sold a pension annuity?
Pension annuity mis-selling happens more often than you might think, leaving many retirees out of pocket during their golden years. Could this be your situation?
Ask yourself these questions:
- Were you sold a standard annuity when an enhanced one would have been a better fit?
- Did your adviser overlook health conditions like serious illness or reduced life expectancy, leaving you with lower rates than you deserved?
- Were important lifestyle factors like smoking or drinking ignored, even though they could’ve qualified you for a more tailored annuity?
- Did your adviser skip over other annuity options, rushing through choices or focusing on those that earned them bigger commissions instead of what was best for you?
- Were hidden fees or charges kept under wraps? A lack of clarity on things like management fees, penalties, or commissions might mean you were misled.
- Did your adviser fail to explain spousal or death benefit options, potentially leaving your family without critical support?
We’ve seen firsthand the impact of bad advice. That’s why we’ll do everything in our power to help you reclaim what’s rightfully yours.
Take the first step today – contact us for a free, no-obligation review to see if you’re eligible for compensation.
The mis-sold annuity claims solicitors you can trust
We understand how devastating a mis-sold annuity can be to your financial future. That’s why we’re here to help you sort it out and get back what’s rightfully yours.
With years of experience in financial mis-selling, we know how to uncover bad advice and fight for the compensation you deserve. You’re not just another case to us—we’re on your side to help you take back control of your future.
Don’t let a mis-sold annuity define your retirement. Let’s put things right together – call our team today.
Real success stories from our clients
From inadequate advice to outright mis-selling, we’ve seen it all, and we’re here to help get your money back where it belongs – in your pocket.
Mr J: Armed Forces Pension Scheme
Compensation: 92,802.70
Mrs T: Inadequate Transfer Advice
Compensation: 50,000
Mr D: Mineworkers' Pension Scheme
Compensation: 159,822.82
Talk to one of our friendly advisors today. We'll review your situation, explain your options, and help you understand how much compensation you could claim.
The annuity claim process: How we can help you claim compensation
Reclaiming what’s rightfully yours doesn’t have to be stressful. Our process is straightforward from the start:
Mis-sold annuity claims FAQs
Don’t worry if you have questions about mis-sold annuity claims – we’re here to help! Take a look at some of the most common ones below, or give us a call if you can’t find what you need.
How can I tell if I have the right annuity for me?
If you received advice from your annuity provider or an independent adviser, you should have been recommended an option tailored to your circumstances. Unfortunately, many annuities are mis-sold when people are offered a standard annuity instead of an enhanced one.
If you suspect your annuity advice wasn’t suitable, we’ll give you an honest second opinion, completely free of charge. Just give us a call to get started.
What is a standard annuity?
A standard annuity is typically recommended for someone with no significant health issues and an expected long life. It pays out a smaller, steady income over time, assuming the recipient will live for many years.
However, if you had health conditions or there are other factors impacting your life expectancy, a standard annuity might not have been the right choice for you.
What is an enhanced annuity?
Enhanced annuities provide higher payouts to individuals with shorter life expectancies due to health conditions, hazardous work environments, or lifestyle choices like smoking.
If you weren’t offered an enhanced annuity despite qualifying, you might have been mis-sold. Call our team today – we’ll figure out if you have a valid claim and support you through the entire process.
What if I wasn’t informed about my annuity options?
Your adviser should have presented all annuity options, including spousal benefits, enhanced annuities, or alternative providers. If you were rushed into making a decision without comparing rates or products, this could be a sign of mis-selling.
Can I make a claim if my annuity doesn’t meet my needs?
Yes, you can. If you believe your annuity was unsuitable for your financial goals or retirement plans, or if you were hit by hidden fees, poor advice, or high-pressure sales tactics, you may have grounds for a claim. Contact us today for a free review of your situation.
How long do I have to make a claim for a mis-sold annuity?
There are time limits for making a claim. Generally, you have:
- Six years from the date the annuity was sold to you, or
- Three years from when you became aware (or should have been aware) of the mis-selling.
If you’re unsure, contact us today for a free assessment of your case.
Can I make a claim if my adviser or provider has gone out of business?
Yes, you can still make a claim. The Financial Services Compensation Scheme (FSCS) protects consumers in cases where advisers or providers are no longer trading. Our team can guide you through the process – just give us a call to get started.
Are there any upfront costs or hidden fees?
We operate on a no-win, no-fee basis, meaning you won’t pay a penny unless your claim is successful. Our fees will be explained upfront, with no surprises or hidden charges.
What happens if I’ve already accepted payments from my annuity?
You may still be able to make a claim if the annuity was unsuitable or mis-sold. Receiving payments doesn’t necessarily disqualify you from claiming compensation for losses or missed opportunities. Contact us for advice tailored to your situation.
What do I need to start my claim?
To begin your claim, it’s helpful to have any paperwork related to your annuity, such as:
- Correspondence with your adviser or provider.
- Annuity contracts or statements.
- Details of the advice you were given.
If you’re not sure where to start, give us a call and we’ll help you gather everything you need.
How much compensation can I get for a mis-sold annuity?
The amount of compensation you could receive depends on a few different things, including:
- The size of your pension pot.
- The difference in income between your annuity and what you should have received.
- The financial losses caused by hidden fees or poor advice.
- The impact on your long-term retirement plans.
Compensation is designed to put you back in the financial position you would have been in if you had received suitable advice. While amounts vary case by case, many clients have reclaimed big sums. Contact us today for a free assessment to find out what you could be entitled to.
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Start your mis-sold pension annuity claim today
If you’ve been mis-sold a pension annuity, don’t wait to take action. Our expert team can help you claim back what’s rightfully yours. Call us for a free, no-obligation review of your case – no upfront fees, just straightforward advice.
We’ll guide you through the process step by step, making sure you know your rights and what compensation you could be entitled to. Don’t let a mis-sold annuity define your retirement – start your claim today.
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Reaching out for help with misleading financial advice isn’t easy, especially if you’ve been let down before.
But talking to us doesn’t commit you to anything. We’re here to listen, offer straightforward advice, and help you figure out your next steps. Our team knows the ins and outs of financial claims, so if you have questions, we’re ready with answers you can trust.
Do you know how many people have been mis-sold a pension in the UK?
A lot. Millions of people across the country are sitting on a valid mis-sold pension claim. Call us today to find out if you’re one of them.
Have you been a victim of financial mis-selling?
Spencer Churchill Claims Advice will:
- Speak to you in plain English
- Provide you with a dedicated claims specialist
- Pay attention to the small details of your case
- Keep you up to date with the status of your claim
- Make sure you understand our charges
- Do absolutely everything we can to win your claim