WHAT WE DOTLW Solicitors provide a wide range of legal services to both individuals and business clients.

TLW are specialists in the area of financial mis-selling. We are there to assist when people have been victims of negligent or inappropriate financial advice.

Providing a comprehensive range of legal services across the UK,we can assist with financial mis-selling in the following areas:

WHO WE AREBringing together some of the best minds in legal practice, our team is made up of passionate and

driven individuals dedicated to providing quality legal representation.

With a wealth of experience, our lawyers focus on providing you with the best advice and support when you need it. Committed to client care; our team of legal professionals are here to help you.

Peter has successfully represented clients in a wide range of areas including personal injury, industrial diseases, professional negligence and commercial litigation. Peter is responsible for managing and overseeing TLWs legal services.

PETER MCKENNASenior Partner

Alistair joined the TLW team in 2014. Alistair is a marketing and business development specialist with over 10 years experience in similar roles. Responsible for bringing work into the firm and exploring new opportunities.

ALISTAIR MCDONALDHead of Marketing &Business Development

A pension is something that many work their entire lives for and it often forms the basis of your lifestyle into your retirement.

April 2015 saw the biggest overhaul of pension legislation in decades and gave millions of people greater access to their pensions.

Unfortunately with this greater access comes greater risk as many will be exposed to unsuitable, negligent or just totally fraudulent advice which, in a matter of minutes, could cost them what they have worked years to earn.

In recent years, we have seen pension investments and scams which have lost people hundreds of millions of pension funds and sadly those people have no hope of ever recovering their

lost money.

As the government makes it easier to access funds, it is our belief that this problem is only going to get worse and you have to ensure that any advice you receive is right for

you and is not simply right for the person giving you the advice.

While there is no absolute way of ensuring you do not become a victim of negligent or fraudulent advice, there are some simple things to remember and check when

receiving pension advice:

Never deal with

anyone who contacts

you as a result of a

cold call, spam email

or text. Just don’t!

Many of the most successful pension

frauds of recent years have utilised

these methods to mass market and then

subject those who reply to high pressure,

aggressive sales.

If it sounds too

good to be true,

it probably is.

Many fraudulent schemes or high risk

investments promise high levels of

returns, certainly much higher than you

would receive from a traditional pension

scheme. The reason for this is that either

the returns are totally made up to lure

people in or the investment is so high

risk you have little chance of it ever

working.

Is the person giving

you advice regulated by

the Financial Conduct

Authority (‘FCA’)?

Many ‘financial advisors’ are not actually

regulated in anyway. This means pretty

much what it says, they’re not regulated,

they are not accountable, they don’t

have to adhere to any rules, you have no

comeback if something goes wrong with

the advice they give you.

You can check if an adviser or a firm are

regulated at www.fsa.gov.uk/register/

Schemes registered

with HMRC

Many schemes and investments will

point to the fact that the scheme has

been registered with HMRC and has a

registration number to give you peace of

mind. In reality this means nothing!

HMRC are not validating the investment,

they are not saying they have done full

due diligence they are simply putting it

on a register and giving it a registration

number, this affords you no protection as

an investor.

Beware of new or

recently formed

companies and make

sure you know who the

company is

Most fraudsters will have only recently

setup their company, again you can

check the company history here

www.gov.uk/government/organisations/

companies-house

If the company is new or recently formed

then despite what they tell you,

they have no track record.

What’s in it

for them? Historically financial advisers who were

involved in recommending these

investments were doing so simply as

salesmen and because they received

extremely high commissions. For

example, many of the investment

schemes which have gone wrong in

recent years offered advisers 20% –

30% of the amount their client’s invested

as a commission. If someone is

recommending an investment which

sounds too good to be true, find out why,

what are they making out of it.

TLW are specialists in advising those who may have been the victim of negligent

or fraudulent pension advice.

If you are concerned about any investments which you may be considering or

may have invested in previously.

CONTACT US FOR FREE INITIAL ADVICE

FREEPHONE

0800 169 5925

info@tlwsolicitors.co.uk www.tlwsolicitors.co.uk