Mis Sold Pensions | Encrypted Recovery

Have You Lost Money to a Mis-Sold Pension?

If you have been misled into transferring your pension or investing in risky schemes, you may have unknowingly lost significant portions of your pension pot. Encrypted Recovery can help on a no-win, no-fee basis, meaning you have nothing to lose.

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Mis-sold pensions often involve transferring a secure workplace pension or company pension scheme into high-risk investments

With some victims losing hundreds of thousands of pounds, the impact can be devastating. Many cases involve schemes like:

The Financial Conduct Authority (FCA) and Financial Ombudsman Service report thousands of new complaints each year, with decumulation and pensions seeing a 7.1% increase in complaints from H2 2023 to H1 2024.

In plain English, this means that the number of pension-related complaints to the FCA and FOS has increased from 2023 to 2024.

Can You Make a Claim?

You may be eligible to make a pension claim if:

You were advised to transfer your pension from a company pension scheme or workplace pension into a risky investment like a SIPP.
You made a significant withdrawal from your pension, which was then lost.
You were given poor advice about investments linked to your pension.
Your pension was tied to speculative schemes like the Henley Retirement Benefit Scheme or London Quantum Pension Scheme.
You transferred your pension after a cold call or felt pressured to act quickly.
Even if your pension was linked to a previous employer, or you are unsure where it is, we can assist through the pension tracing service to locate and assess your lost pension.

Why Choose Encrypted Recovery?

At Encrypted Recovery, we specialise in helping people who have been victims of pension mis-selling. Here’s why clients trust us to help them recover their money:

No Win, No Fee

Our fees are capped, and you will not pay us a penny unless we win your case. We’re dedicated to getting you the compensation you deserve.

Proven Expertise in Pension Claims

We have successfully reclaimed millions of pounds for people who lost money due to bad financial advice or fraudulent schemes.

Compassionate and Transparent Service

We provide clear, jargon-free advice tailored to your personal 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.

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Frequently Asked Questions

What does SIPP stand for, and how does it work?

SIPP stands for Self-Invested Personal Pension, a flexible pension plan that lets you control your investments. While offering potential for higher returns, SIPPs can be risky and prone to mis-selling.

What is decumulation?

Decumulation refers to the process of converting your pension savings into retirement income. Mis-selling during this phase can result in severe financial losses.

How much financial compensation could I get for a mis-sold pension?

The amount varies based on the size of your pension and the losses incurred, but we have helped clients recover significant amounts—sometimes the full value of their pension pot plus interest.

Who does a pension transfer claim go against?

Most claims are filed against the financial advisor or firm that provided poor advice. In cases where the advisor is no longer trading, claims may be pursued through the Financial Services Compensation Scheme (FSCS).

I transferred after a cold call. Can I still claim?

Yes. Cold calling about pensions is illegal. If you were approached this way, you have strong grounds to claim.

Should you transfer your Final Salary Pension?

In most cases, transferring a Final Salary Pension is not recommended due to the guaranteed income it provides. Mis-selling often occurs when advisors downplay these benefits.

What happens if I have already reached State Pension Age?

You can still make a claim. Even if you have begun to claim your State Pension, losses incurred from a mis-sold private or personal pension can be recovered.

Which organisations have been involved in SIPP investment losses?

Several firms and schemes have been linked to SIPP mis-selling, including Dolphin Trust, Park First, and the Capita Oak Pension Scheme.

How do I start a claim?

Contact us today for a free consultation. We will assess your case and, if eligible, guide you through the process to reclaim your losses.

Have You Lost Money to a Mis-Sold Pension?

Mis-sold pensions often involve transferring a secure workplace pension or company pension scheme into high-risk investments

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Frequently Asked Questions