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Important information you should consider

You can make a claim to the Financial Ombudsman Service, the Pension Ombudsman and the Financial Services Compensation Scheme without going through a claims company like us.

Your claim might be just as successful as it would be by using a claims company, so please think about whether you would like to make a claim on your own before you ask us to act for you.

Further Information

We appreciate that not everyone wants to pay a fee to a claims management company to help with their complaint. We have detailed below some of the options available to you should you wish to pursue your claim direct:

Financial Services Compensation Scheme

The FSCS protects consumers when authorised financial services firms fail. They have helped millions of people and paid billions of pounds of compensation since 2001.

If you think you have a claim against a financial firm which has gone out of business you can approach the Financial Services Compensation Scheme direct. ("FSCS")

There is no fee to make a claim to the FSCS.

You are able to submit your claim online by completing a FSCS claim form. There are different forms dependent on the type of complaint you have against the firm. You will also need to check before completing the claim form that you are eligible to make a complaint and you will also need to establish if the FSCS accepts claims about the firm you are looking to complain against.

Remember the FSCS state that investigating a claim can take up to 6 months, sometimes this may be longer for more complex cases. You will be responsible for providing any evidence to verify your claim to the FSCS, so you will need to be prepared to liaise with any third party firms involved.

You may be required to supply further documentation in support of your claim from multiple sources, such as your current and previous pension companies and also the Financial Advisor from whom you received advice.

Following is a link to the FSCS web site. Having any paperwork in relation to the advice or product to hand will help when completing the form.  FSCS website

Financial Ombudsman Service

The FOS was set up by Parliament to sort out complaints between financial businesses and their customers. The FOS can help with most types of financial services - including banking, PPI, mortgages and loans, pensions and investments. If something has gone wrong the FOS has the power to put things right. The FOS is a free service available to consumers.

Before you can refer your complaint to the FOS you will need to talk to the business that provided you with the service/ advice first. You will need to raise your concerns to the business by way of a formal complaint be it verbally or in writing.

You will need to give the business a chance to put things right. Please remember the business has to give you a response to your complaint within 8 weeks at the most, depending on what you are complaining about.

If you are not happy with the response from the firm then the option may exist to refer the matter to the FOS for investigation. Although the FOS can deal with complaints involving a wide range of financial products there are some restrictions which means there are some types of complaint which they can't help with.

The rules are quite complex - and may depend on the exact circumstances of your case. In particular, time limits may apply if you have left things to long to bring forward your complaint after you realise (or should have realised) there was a problem.

You can phone the FOS on 0800 023 4567, or you can also inform them about your complaint on the FOS website.

Remember the FOS state that investigating a claim can take up to 12 months, sometimes this may be longer for more complex cases. You will be responsible for providing any evidence substantiating your complaint against the Firm, so you will need to be prepared to liaise with any third-party firms involved.

You may be required to supply further documentation in support of your complaint from multiple sources, such as your current and previous pension companies and also the Financial Advisor from whom you received advice.