Mis-Sold Pensions

Were You Misled Into Transferring or Investing Your Pension?

If you were advised to transfer your pension into high-risk investments or schemes that later failed, you are not alone. You may be entitled to compensation, and CEL Solicitors can help you pursue your claim on a no-win, no-fee basis.

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Or call free on 0808 273 0900

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What Is a Mis-Sold Pension Claim?

A mis-sold pension claim arises when a financial adviser gives unsuitable or misleading advice, causing you to transfer or invest your pension in a way that puts your retirement savings at risk. Many people have unknowingly moved secure workplace or final salary pensions into risky Self-Invested Personal Pensions (SIPPs) or been drawn into unregulated schemes that later collapsed.

You could be entitled to claim compensation if:

  • You were advised to transfer out of a final salary or defined benefit scheme
  • Your adviser failed to explain the risks of the investment
  • The scheme was unregulated, overseas, or later declared worthless
  • You lost some or all your pension pot as a result

At CEL Solicitors, we help people who were let down by financial advisers recover what they’re owed on a no-win, no-fee basis.

Common Mis-Sold Pension Schemes and Risks

Mis-selling often involves transferring your pension into a Self-Invested Personal Pension (SIPP) linked to high-risk or unregulated investments. Many victims were told these schemes were secure or guaranteed when they were anything but.

Some of the most commonly mis-sold pension schemes include:

  • Ark Pension Scheme
  • Capita Oak and Henley Retirement Benefit Schemes
  • London Quantum Pension Scheme
  • Dolphin Trust (also known as German Property Group)
  • Park First investment schemes

Victims of pension mis-selling have lost thousands — sometimes even hundreds of thousands of pounds. Many only discover the issue years later, often when trying to access their pension or speak to a new financial adviser.

If your adviser failed to warn you of the risks or pressured you into transferring quickly, that may be classed as financial negligence. And if the firm has since gone out of business, you may still be able to claim through the Financial Services Compensation Scheme (FSCS).

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Mis-Sold Pension Compensation: What Can You Claim?

If you transferred or invested your pension based on poor advice and have lost money as a result, you may be entitled to compensation. Even if your adviser or firm is no longer trading, we may be able to help you make a claim through the FSCS or Financial Ombudsman Service.

We are currently supporting clients with claims related to:

  • Transferring out of a final salary or workplace pension
  • Investing in unregulated or overseas schemes
  • Placing pension funds into high-risk property or development projects
  • Taking large lump sums following misleading advice
  • Being cold-called or pressured into making quick decisions

Many victims were promised higher returns or more control over their pension — but were not properly informed about the risks, charges, or long-term consequences. If that sounds familiar, it may be financial mis-selling.

At CEL Solicitors, we have extensive experience handling some of the UK’s most complex pension mis-selling cases. We will assess your situation thoroughly, explain your options clearly, and fight to recover the money you may have lost – all on a no-win, no-fee basis.

How the Claims Process Works

We understand how upsetting and confusing it can be to discover your pension was mis-sold. That’s why we keep the claims process simple, transparent, and focused on results.

Here’s what to expect when you make a mis-sold pension claim with CEL Solicitors:

Tell us what happened:

Complete our short online form or call us for a friendly, no-obligation chat. We’ll listen to your experience, ask a few key questions, and let you know if you have a claim.

We’ll investigate and build your case:

If you choose to proceed, we’ll gather the evidence, identify the adviser or scheme responsible, and manage all the legal work. You won’t need to deal with confusing jargon or chase anyone — we handle everything.

We fight to recover what you’ve lost:

Whether through the FSCS, the Financial Ombudsman Service, or direct negotiation, we’ll aim to secure the maximum compensation available — including lost returns and any additional charges. Most claims settle without court action.

No-Win, No-Fee:

There’s no upfront cost, and you only pay if your claim succeeds. Our fees are clear and capped from the start.

Whether you’re claiming for yourself or a loved one, we’ll support you every step of the way.

Start your claim

We’ve already helped thousands of people across the UK.

Speak to our friendly team today. You are not alone, and you may have a case.

Frequently Asked Questions

Your questions, answered.

A SIPP (Self-Invested Personal Pension) lets you control how your pension is invested. While flexible, many SIPPs were linked to high-risk or unregulated schemes, some of which turned out to be scams or collapsed.

Yes. Claims can often be made through the Financial Services Compensation Scheme (FSCS) if the responsible firm is no longer trading. We will guide you through this process.

You may have been mis-sold your pension if:
• You were not informed about the risks or charges involved
• You were pressured to make a quick decision
• You transferred after receiving a cold call
• The investment was unregulated or overseas
If unsure, we offer a free case review to help you understand your options.

The amount varies depending on your losses and the case details. Some clients have recovered tens or even hundreds of thousands of pounds, including interest and charges.

Most claims must be made within six years of receiving advice or three years from when you became aware of the problem. In some cases, older claims may still be considered. We can advise you on deadlines.

A mis-sold pension is when poor or misleading advice leads you to transfer or invest your pension in a way that causes financial loss. This often involves moving from a workplace or final salary pension into high-risk investments that later fail.

Why Choose CEL Solicitors?

Specialist Experience

We’ve helped thousands across the UK to seek compensation from fraudulent and negligent investments.

No-Win, No-Fee

Our fees are capped, and you pay nothing unless we win your case. We’re dedicated to getting you the compensation you deserve.

Compassionate and Transparent Service

We provide clear, jargon-free advice tailored to your circumstances, guiding you every step of the way.

Experience with Regulatory Bodies

We leverage our expertise to find the best route for claiming financial compensation, ensuring you receive the justice you deserve.

Start Your Pension Mis-Selling Claim Today
We’re ready to help you take the next step. Whether you’re unsure if you have a claim or ready to begin, we’re here to listen.

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