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Local Authority Pension Scheme

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

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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.


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

Could Your Local Authority Pension Transfer Have Been A Mistake?

Thousands Have Been Mis-Sold: Can You Claim?

You may have been mis-sold your pension. Fill out your contact info below and we’ll be in touch at the best time for you


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Hundreds of thousands of people from all over the UK were awarded valuable local authority pensions for their service to their country and local communities. Not generally to be sniffed at, these government-backed pensions are often a type of defined benefit pension scheme, offering scheme members the promise of a guaranteed income in retirement, often based on either their final salary, or career average salary, and their length of service.

Unlike many private pension schemes, local authority pensions are set to pay-out to scheme members for their entire life, right the way through retirement, leaving less for members to worry about when it comes to retirement planning.

They also pay out death benefits to spouses or dependents if the scheme member dies before retiring, making them particularly valuable and offering peace of mind.

So why do people transfer local council pensions?


If a person is considering transferring their local authority pension (often because they have already been told it might be a good idea by a pension review company), they will likely request a transfer valuation; a CETV or Cash Equivalent Transfer Valuation.

As with many final salary schemes, some current and former local authorities did just that, and received a valuation that looked great, making them think that by transferring and re-investing the money, they may get more in retirement.

This could be true! But not without exposing the money to plenty of risk.

When the local authority pension benefits remain with the scheme, the promise of a guaranteed income in retirement remains. Once the money leaves the scheme, it is unlikely that a valid promise of a guaranteed income remains.

The investments market can be a harsh place, and for people who don’t know their way around it, high-risk investments and scams represent some serious pitfalls – ones we’ve sadly seen many people fall into after transferring a local authority pension.

If trying to earn more money for retirement is the only reason for a transfer, then it could be down to negligent pension transfer advice


Of course, there are a few good reasons to transfer from a local authority pension scheme, but these situations are rare. Financial advisers are supposed to follow strict suitability rules and assess each transfer enquiry on a case-by-case basis. They must not allow large fees and commission to influence their decision, advising only in their client’s best interests.

If financial advisers always followed these rules, then few people would transfer away final salary benefits and from other local authority pension schemes.

But each year, tens of thousands of people receive advice to transfer, which often puts their retirements at risk, usually without them realising.


If you’re transferred any sort of local authority pension after a free pension review, or on the advice of a financial adviser, then you may have been mis-sold.

We offer a FREE initial assessment for anybody with concerns, although we’re particularly interested in speaking to people who have transferred away from the following local authority pension schemes:

Greater Manchester Pension Fund
West Yorkshire Pension Fund
Merseyside Pension Fund
Strathclyde Pension Fund
West Midlands Metropolitan Authorities Pension Fund

Knavesmire Financial Insurance

Ready To Make A Claim?

Think you’ve been mis-sold your Local Authority Pension Scheme? Click below to take the first step to making a claim.

Quilter Financial

What Makes A Pension Transfer Mis-Sold?

Moving a final salary or other defined benefit pension is rarely advisable, except in certain situations. While moving your pension may earn your adviser big fees and commissions, you may lose more than you hoped:

Do you know how people complained about mis-sold investments and pensions in the last year?

A lot. Over twenty thousand complaints were made about mis-sold pensions and investments in 2020/21, a figure which had doubled since the year before.. It’s no secret how serious this problem is, and it just seems to keep getting worse.

People receive poor financial advice every day. Sometimes they don’t even realise that they’re owed whopping amounts of compensation.
Free Initial Assessment: No-Obligation Chat

Have You Been A Victim Of Financial Mis-Selling?

Answer a few questions and find out if you have good grounds to make a financial compensation claim:

Step 1 of 6

Were you told to invest all, or most, of your savings into a single product?

Reaching out for help is never easy,
especially if you’ve been misled in the past.

But getting in touch with us won’t commit you to anything. We want to toss you a lifeboat and guide you through the choppy waters of the financial ocean, not leave you struggling to stay afloat. Our experts are here to offer advice and support on financial claims. We know what we’re doing and you can trust that if you’ve got questions, we’ve got answers.

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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

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

Office Hours:

Monday: 8:00am–6:00pm
Tuesday: 8:00am–6.00pm
Wednesday: 8:00am–6:00pm
Thursday: 8.00am–6.00pm
Friday: Office Closed

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