Pension Mortgage Claim

If you were ever sold a pension mortgage policy, you could be owed thousands of pounds in compensation.

If you are unsure if you could be due anything against your mortgage, we can find out for you even if you have no longer have paperwork relating to the mortgage.

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Free, no obligation call
to discuss your options.

No policy number?

No problem, we can trace that for you.
Even if your mortgage has been paid off and you have no paperwork relating to the pension policy.

What could I be due?

If it transpires that your pension mortgage was mis-sold, you could be eligible for:

My mortgage finished years ago

Do not worry if this is you, we are able to track back through financial records and find out all the details we need to get you the compensation you deserve. Having your policy numbers will help, but we are also able to track these for you if this information is not in your possession as you may have transferred the pension policy or reached retirement some time ago.

I can’t find any paperwork

All we need to know is who your policy was with, more information can help, but as long as you know the provider, we can do the rest for you!

How do I know if my Pension Mortgage was mis-sold?

In the majority of circumstances, there was a better option to pay for your home than a pension mortgage. Many people did not want to take any risk with repaying their mortgage and the pension term was often in excess of the standard 25 year term.

Main reasons for a claim

Even with a risky endowment mortgage you have the option of surrendering it, whereas with a pension mortgage, you are tied in until you retire.
Many advisors in financial institutions are not always concerned with the consumer’s circumstances when giving financial advice. Their primary concern can be about building their own profits.

You may have been advised to take out this type of policy when they knew from the outset that this was not the right one for you.
As with all of our services, we don't charge you a penny unless we win. Even then it is always a percentage.

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

Pension Mortgage Claim Facts

It does not matter if your pension mortgage term has ended or not

Regardless of whether your pension mortgage is still in force, if you have suffered financially because of the policy, you can make a complaint.

Is your pension mortgage 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 and are no longer trading and have been declared in default.

Cases are very rarely time barred.

You may have heard that some mortgage complaints can be time barred. This may be true for endowment complains but rarely for pension mortgages. Due to the nature of the policy, warning letters were not always sent, meaning it is difficult for providers to impose time limits on when you can complain.

You can have your money in as little as 8 weeks

Once your whole of life provider has received the complaint, they must conform to the 8 week timescales set out by the Financial Conduct Authority to bring your case to conclusion. If you do not have the account number or they reject the complaint the process can take considerably longer.

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 Pension Mortgage providers plus many others

Abbey Life | Abbey National Life | Aegon | Alba Life | Albany Life Assurance | 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 | Britannia Building Society | Britannic Assurance | Brittania Life | Canada Life | Cannon Lincoln | Century Life Plc | Cheltenham & Gloucester | CIS | Citi 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 | Countrywide Assured | Crusader Insurance | Eagle Star Assurance Company Limited | Friends Life | Friends Provident | GE Life | General Accident | Guardian Financial Services | Halifax | Hambro Assured | HBOS | Hil Samuel Life | HSBC Life | HSBC Wealth | Imperial Life | Insight Financial Associates | Irish Life Assurance | Laurentian Life | Legal & General | Liberty Life | Life Association of Scotland | Lincoln Financial | Lincoln National | Lloyds | Lloyds Bank | Lloyds TSB Life Assurance | London & Manchester | London Life | Manchester Unity Assurance | Manu Life | Marine & General | Medical Sickness Society | Merchant Investors | MGM Assurance | National Mutual Life | National Mutual Life Association of Australasia | National Mutual Life Assurance | National Provincial | Norwich Union | Old Mutual | Pearl Assurance | Phoenix Life | Pioneer Mutual | Providence Capital | Provident Life | Provident Mutual Life Services | ReAssure | Refuge Assurance | Regency Life | Royal & Sun Alliance | Royal Life | Royal Liver | Royal London | Royal Scottish Assurance | Sanlam | Save & Prosper | Scottish Amicable | Scottish Equitable | Scottish Friendly | Scottish Life | Scottish Mutual | Scottish Provident | Scottish Widows Plc | St James's Place | St James's Place Wealth Management | Standard Life | Sun Alliance & London Assured | Sun Life Financial of Canada UK | Swiss Pioneer Life | The Co-Operative | The Prudential Assurance Company | TSB | United Friendly Insurance | Wesleyan Assurance Society | Windsor Life Assurance | Winterthur Life | Woolwich Life | Yorkshire General | Zurich Assurance Ltd

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