Pension Mis-selling Knowledge Centre
Pension advice is one of the biggest sources of UK financial mis-selling claims: in 2025/26 the FSCS paid more than £125 million to people who received unsuitable investment, pension and SIPP advice. This knowledge centre covers every regulated route to compensation for SIPP, defined-benefit and personal-pension mis-selling.
Quick Answer: UK pension mis-selling covers SIPP transfers into unregulated assets, defined-benefit transfers made against FCA suitability rules, and negligent advice from IFAs. FSCS pays up to £85,000 per eligible claim; the FOS awards up to £455,000 for post-April-2019 advice. Source: FSCS; Financial Ombudsman award limits (2026).
Claim types in this area
SIPP mis-selling claims
Storage pods, overseas property, UCIS inside your pension.
DB pension transfer claims
Final-salary transfers — the FCA found under half of the advice it reviewed was suitable.
Financial adviser negligence
IFA breach of duty and Consumer Duty failures.
Claim against a pension adviser
Route the claim when the adviser firm still trades.
Adviser gone bust
Recover via FSCS when the firm is in default.
Other knowledge centres
Investments
Guide to UK investment mis-selling: mini-bonds (LCF, Blackmore), UCIS, care home rooms, ov…
Fraud & Scams
How to recover money from investment scams, APP fraud, crypto investment scams and romance…
Compensation
How UK mis-selling compensation is calculated. FSCS £85k limit, FOS £455k limit, No Win No…
Regulators
Plain-English guide to the FCA, FSCS and Financial Ombudsman: Consumer Duty, DISP rules, C…
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