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Royal Mail Final Salary Transfer Claims

The Royal Mail operates at least 3 main pension plans, one that led up to 1987, one until 31st March 2018, and one from the 1st April 2018.

Earlier pension plans may be valuable final salary pension schemes – rare pension schemes that give members a practically guaranteed income in retirement, one that is index-linked with inflation and features ill health and death benefits.

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But these pensions aren’t just valuable to scheme members – they are also a target for scammers, and financial advisers who can make small fortunes by transferring them away to personal schemes.

In recent years, many final salary pension schemes have offered relatively high CETV figures – transfer valuations, which has possibly made it easier for marketing companies and scammers to convince people to transfer pensions like Royal Mail ones away to personal schemes.

This is often done through cold-calls to drum up interest through Free pension reviews, before recommending a new pension scheme, possibly even featuring high-risk investments that the pension holder may not be suitable for.

Except in rare circumstances, transferring a royal mail final salary pension can leave the pension holder worse-off and at risk, and give the companies involved in the transfer big bucks.


If you’re having second thoughts about your own transfer away from a Royal Mail pension scheme, you can find out if you have a claim by taking a FREE Initial Assessment with Spencer Churchill Claims Advice – a chat about how your transfer was conducted to see if you can make a claim.

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Think you’ve been mis-sold your British Steel pension transfer? Click below to take the first step to making a claim.

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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:

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