Free pension check

Concerned about pension advice, a transfer, SIPP or FSAVC?

If you were advised to transfer pension benefits, open a SIPP, use an FSAVC or make another pension change, the suitability of that advice and what was explained at the time may matter. Start with the adviser, provider, date and concern you remember.

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These examples are there to help you choose a route. They do not mean you definitely have a valid claim or that compensation will be due.

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THIS ROUTE MAY BE RELEVANT

You may want the circumstances reviewed if…

You were advised to transfer or move pension benefits and now question whether that advice suited your circumstances.
A SIPP or investments inside a pension involved risks, charges or assets you did not expect.
You were advised to use an FSAVC and are unsure whether workplace AVC alternatives were properly considered.
The recommendation appears inconsistent with the level of risk, access to money or retirement goals you discussed.

A DIFFERENT ROUTE MAY FIT BETTER

This check may be less likely to match if…

The only concern is that investment markets fell — a loss alone does not prove advice was unsuitable.
You made the decision entirely without advice or a recommendation; the relevant complaint route may be different.
You are looking for investment or pension advice now rather than asking about historic advice.

Still unsure? You can use “Not sure” in the form or start with the general check.

What matters first

The key details around what happened.

We focus on the facts you remember — what was recommended, explained or arranged, and what concerns you now.

You were advised to transfer or move pension benefits and now have concerns about the recommendation.

You were recommended a SIPP or investments inside a pension that did not match what you expected.

You were advised to take an FSAVC or another arrangement and want the suitability of that advice reviewed.

You experienced losses or unexpected charges and are unsure whether the risks and alternatives were explained.

What we will ask

A few details that help tell the story.

The questions are split into simple steps, starting with the product and then what happened around it.

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About the pension advice

What best describes the pension issue?
Who gave the advice or arranged it?
Approximately when did the advice or transfer happen?
What type of pension did you have before the advice?

The advice and what happened afterwards

Was a workplace or final-salary pension involved?
Do you remember the main risks and alternatives being explained?
Were you invested in assets or schemes you later discovered were high risk, unusual or difficult to sell?
Have you experienced a financial loss, unexpected charges or difficulty accessing the pension?
Have you already complained about the advice?

After you send it

What happens next?

The claims firm named at the final step can review your enquiry and contact you if it needs anything else.

Your enquiry is recorded

We keep a record of the details you send and the consent you give.

The claims firm can take a first look

If it needs more information, it can contact you using the details you provided.

You decide what happens next

If the claims firm can help, it will explain what it can do and any fees before you choose whether to go ahead.

Your other options

You can complain without using a claims management company.

Depending on the issue, you may be able to complain directly to the business and use the Financial Ombudsman Service or Financial Services Compensation Scheme yourself for free.

Financial Ombudsman Service ↗Financial Services Compensation Scheme ↗

Pension FAQs

Questions people usually ask.

For general questions about MFCC, privacy or what happens after you send an enquiry, use the main FAQs.

View all FAQs →

What kinds of pension enquiries can I submit?

The form covers pension transfers, SIPP recommendations, FSAVCs, investments inside pensions and other pension advice or recommendations. If you are unsure which category applies, choose the closest option and explain what happened.

Do investment losses automatically mean the advice was unsuitable?

No. Investment values can fall for many reasons. A complaint usually needs to consider the advice, your circumstances at the time, the risks explained and whether the recommendation was suitable.

What if the adviser or firm no longer exists?

You can still send the check. Depending on the circumstances, different complaint or compensation routes may be relevant. The claims firm can review the information you provide.

Can I pursue a pension complaint myself?

Yes. You do not have to use a claims management company. Depending on the circumstances, you may be able to complain to the firm directly and use the Financial Ombudsman Service or Financial Services Compensation Scheme for free.

Free claim check

Start with the details you remember.

The MFCC check is free. If the claims firm can help, they’ll explain what happens next before you decide whether to go ahead.

Start this check →