Popular questions

  • Yes, Fair Return Legal Services Limited is a claims management company authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 838208.

  • If you have ever been transferred out of a work pension scheme, you may have lost very valuable, guaranteed benefits and thousands of pounds per year in retirement income.

    If the risks were not properly explained to you, you may have a claim for compensation.

  • It could be tens of thousands of pounds, especially if it relates to your pension or annuity, where compensation can include future losses as well as past losses. The Financial Ombudsman Service can make a financial business pay up to £160,000 in each case of unsuitable advice.

    If you have received unsuitable advice, what you are owed is based on the difference between what you have and what you should have. It depends on how much you paid in and when, among other factors. Fair Return can carry out a FREE assessment, to let you know what you may be owed.

  • Extremely important. Excessive or unnecessary costs, even "just" 1% or 2% per year, can reduce investment values and pension incomes by tens of thousands of pounds. This is one of the reasons why, in 2013, the Financial Conduct Authority banned commissions on sales of pensions and investments.

  • No. For example, you may now have an annuity but the Personal Pension you had previously may have been mis-sold. You would still be entitled to compensation and it would not affect your annuity or pension payments.

  • The Financial Ombudsman Service can award compensation on investment and pension products sold as far back as the 1980s (including for plans no longer in force).

  • In most cases we are able to get the necessary information from the relevant financial businesses.

  • In many cases the advice firm was part of a large "network" of financial advisers, in which case it is the network that remains legally responsible for the advice given. Alternatively, you may be entitled to compensation from the Financial Services Compensation Scheme.

  • If you are awarded compensation, you’ll pay a fee based on the gross amount you’re offered. If your claim is unsuccessful, you pay nothing. Learn more about our fees.

  • No. You only pay Fair Return if you are awarded compensation. Fair Return charges no fees in any other circumstances.

  • Yes, you can make a complaint to the advice business that sold you the investment or pension, without Fair Return's involvement and without incurring a fee. If you are not satisfied with their response, you may refer the complaint to the Financial Ombudsman Service.

  • No.

  • By any of the following methods:

    Email us online

    Call us on 0330 094 5980 (costs same as to 01 and 02 numbers from landlines & uses mobile tariff inclusive minutes).