If you were ever sold an FSAVC, you could be due thousands of pounds in compensation.

Not sure if you were ever sold an FSAVC (Free Standing Additional Voluntary Contribution)? We can find out for you, even if you have no documentation of the pension.

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to discuss your options.

No policy number?

No problem, we can trace that for you.
Even if your policy has been transferred or you are receiving an annuity payment and you have no paperwork relating to the pension.

What could I be due?

If it transpires you were mis-sold an FSAVC policy you could be eligible for:

What is an FSAVC?

An FSAVC is a separate, additional pension plan away from your employer's pension. They were set up for people that wanted to put extra money away for their retirement.

Unfortunately, the way these FSAVCs were arranged, meant that the plan holder lost a lot of investment value in their pensions due to the high charges involved.

I can’t find any paperwork!

All we need to know is who took the policy out with, more information can help, but as long as you know the provider, we can do the rest for you.

Not sure if you had an FSAVC?

Not everyone is sure if they were sold an FSAVC policy, they are complex and can be very confusing. The easiest way to tell is if the payment was taken from your bank instead of your salary, then it is an FSAVC.

We are able to find out for you if you had a Free Standing Additional Voluntary Contributions policy and then complain about it.

Main reasons for mis-sale

There were a number of different options to consider when it came to making additional contributions in relation to your pension. Many advisors did not discuss all the options with the consumer, often not giving them enough information about other options that may have been more beneficial.
Many consumers who were sold an FSAVC were planning on remaining with their employer until retirement and did not require a portable pension product.

All employers that offered a final salary pension scheme offered an in house alternative that would have been more suitable for many consumers.
Many advisors did not take into account the level of experience consumers had.

An FSAVC may potentially have high returns but often comes with increased risk that didn't match the attitude of the customer.

A personal service with the same claims manager looking after you throughout the claims process

A No Win No Fee Service*

A service where we aim to have the claim settled within 8 weeks

FSAVC Claim Facts

Anybody who has ever worked in the public sector could have this type of pension policy.

  • Doctor
  • Surgeon
  • Nurse
  • Teacher
  • Armed Forces
  • Civil Servant
  • BT Engineer
  • Police Officer
  • Fire Service
  • Royal Mail
  • British Gas
  • Electricity Board
  • Water Boards
  • British Transport
  • British Aerospace
  • Any other public sector occupation

Is your FSAVC provider no longer in business? No problem

As long as your policy was taken out after August 1988 then it is covered under the FSCS (Financial Services Compensation Scheme). This is a government body set up to deal with financial claims for providers regulated by the FCA that have ceased trading and have been declared in default.

You do not need to use a CMC to make a complaint to a lender or other compensation scheme, such as the Financial Services Compensation Scheme (FSCS). If your complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself fee free.

We claim against the following FSAVC providers plus many others

Abbey Life | Abbey National Life | Aegon | Alba Life Limited | Albany Life | Alliance & Leicester | Allied Dunbar Assurance | American Life Insurance | Aviva | Axa | AXA Equity & Law | Axa Sun Life | AXA Wealth | Bank of Scotland | Barclays | Barclays Bank | Barclays Life | Barclays Wealth | Blackhorse Life | Bradford & Bingley | Britannia Life | Britannic Assurance | Canada Life | Cannon Lincoln | Century Life | CIS | City Financial | City of Westminster Assurance | Clerical Medical | Co-Op Savings & Insurance Services | Co-Operative Insurance Services | Colonial Mutual | Combined Life Assurance | Commercial Union Life Assurance | Cornhill Insurance | Countrywide Assured | Crusader Insurance | Eagle Star | Ecclesiastical Insurance | Equitable Life Assurance Society | Forester Life | Friends Life | Friends Provident | Future First Financial Solutions Ltd | GE Life | General Accident | Guardian Financial Services | Halifax | Hambro Assured Services | HBOS | Hill Samuel Life | HSBC | HSBC Wealth | Imperial Life | Irish Life Assurance | Laurentian Life | Legal & General | Liberty Life | Life Association of Scotland | Lincoln Financial | Lincoln National | Liverpool Victoria | Lloyds | Lloyds Bank | Lloyds TSB Life Assurance | London & Manchester | London Life Limited | LV | Manchester Unity Assurance | Manulife | Marine & General | Medical Sickness Society | Merchant Investors Assurance | MGM Assurance | National Mutual Life | National Mutual Life Association of Australasia | National Mutual Life Assurance | National Provincial | Natwest | Northern Rock | Norwich Union | Old Mutual | Pearl Assurance | Phoenix Life | Pioneer Mutual | Providence Capital | Provident Life | Provident Mutual Life Services | Prudential | RBS | ReAssure | Refuge Assurance | Regency Life | Reliance Mutual | Royal Bank of Scotland (RBS) | Royal Life | Royal Liver | Royal London | Royal Scottish Assurance | Royal Sun Alliance | Sanlam | Santander | Save & Prosper | Scottish Amicable | Scottish Equitable PLC | Scottish Friendly | Scottish Life | Scottish Mutual | Scottish Provident | Scottish Widows | Sesame | St James's Place Wealth Management | Standard Life | Sun Alliance & London Assured | Sun Life Financial | Swiss Pioneer Life | Teachers Assurance | The Co-operative | The Prudential | TSB | United Friendly Insurance | Wesleyan Assurance Society | Windsor Life Assurance | Winterthur Life | Woolwich Life | Yorkshire Building Society | Yorkshire General | Zurich Assurance

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