Forthplus Pensions Collapse

Compensation due to clients affected by due diligence failures

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Self-invested personal pension (SIPP) provider Forthplus Pensions was placed into administration on 19th October, with many clients in the process of bringing complaints against Forthplus for failures in their due diligence processes. If you wish to bring a complaint now the firm has gone into administration, Return My Money can help.

Who are Forthplus Pensions?

Forthplus Pensions is a SIPP operator that has been authorised and regulated by the Financial Conduct Authority (FCA) since 2012.

While the company is in administration, it continues to operate and be regulated by the FCA.

Why might I have grounds for a claim?

Several representative provisional assessments from the Financial Ombudsman Service (FOS) found that Forthplus “had not undertaken adequate due diligence and therefore had not treated its customers fairly and reasonably.”

If you were one of those customers, you may be entitled to claim compensation. As well as claiming on the grounds of Forthplus failing to undertake adequate due diligence, you can also claim for any losses experienced resulting from transferring your pension to Forthplus.

While Forthplus was contesting those assessments, the FOS was preparing to issue final decisions, which were expected to uphold previous complaints and lead to further claims against Forthplus.

Clients should have received correspondence from the administrators outlining the process should they wish to make a complaint.

Clients who have already made a complaint to the FOS should have received correspondence requesting permission to refer their case to the Financial Services Compensation Scheme (FSCS).

Why are claims capped at £85,000?

Now that Forthplus is in administration, all complaints go to the Financial Services Compensation Scheme (FSCS), which caps claims at £85,000.

Forthplus still holds my pension – what happens now?

The appointed administrators are currently discussing the best course of action with the FCA.

It is likely your pension will be transferred to another FCA regulated SIPP provider; however, clients who are already in drawdown will continue to receive regular payments from the administrators. The administrators are also continuing to accept client contributions into their SIPPs in anticipation of their transfer to another provider.

In the meantime, if you believe your SIPP was mis-sold in any way, or that Forthplus failed in its obligations to you, you can contact us for a free, no-obligation assessment of your potential compensation claim.

How might I have been mis-sold?

There are many ways in which Forthplus’ failure to conduct adequate due diligence could constitute SIPP mis-selling.

Do you recognise any of these?

If you have:

  • Lost money because you transferred a small pension or pensions into a Forthplus SIPP, and the charges you’re paying for your SIPP mean that overall, the value has reduced.
  • Ended up managing your Forthplus SIPP yourself when you had no plans to do so, but your financial adviser or investment manager has left you to it.
  • Discovered an adviser that introduced you to a SIPP was unregulated.

Your Forthplus Pensions SIPP might have been mis-sold.

What did Forthplus tell you?

If your adviser:

  • Told you to open a SIPP as it was better than other pension options.
  • Recommended you opened a SIPP but did not recommend specific investments within a SIPP.
  • Reviewed your existing pensions and recommended you consolidate them into a SIPP while offering no alternatives.
  • Advised you to move your pension into high-risk investments.
  • Pressurised you into opening a SIPP.

Your Forthplus Pensions SIPP might have been mis-sold.

Do any of these situations seem familiar to you? If so, it’s because your Forthplus Pensions SIPP was potentially mis-sold!

Contact Return My Money today for a free, no obligation review of your Forthplus Pensions SIPP. You’ve got nothing to lose and could be entitled to compensation of up to £85,000.

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