Money & Me Financial Claims Process

Your Initial Appoinment

You will have an initial appointment with an agent of Money and Me Claims Limited, at which you will receive;

An explanatory letter, which expands on the reasons you may have been mis-sold, together with information about the claims process.

  • A copy of our Terms of Business, which details how and what we will do for you.
  • A cancellation letter, should you wish to cancel your instruction to us to act on your behalf, at some point in the future.
  • A copy of our complaints procedure, should you wish to make a complaint, at some point in the future.
  • Confirmation of the fee we will be charging you for the service that we offer.
  • (NB Please remember to add V.A.T. to the fee)
  • A copy of our Data Protection Policy, which lets you know what we will and will not do with the information you give us.


This initial appointment may be conducted on the phone, with the various documents posted or emailed to you, or the appointment may take place with one of our agents, face to face.

You will be asked for some details of the nature of your claim and to read and understand our Terms of Business.  Our fee will be confirmed to you and, if you are happy to proceed, you’ll be asked to sign both our Terms of Business and Letters of

Authority, which enable us to start to make enquiries with the relevant parties, on your behalf.

Unless you tell us differently, we will contact you by phone, email and/or text message to update you.

The first time we will contact you will be within 48 hours of us receiving the paperwork that has been completed at Stage One. We will check with you that the information you provided in your claim form is correct and that you are happy to proceed.

Information Needed For Your Case

Within 24 hours, we will send the Letters of Authority (that you signed at Stage One) to the relevant companies and/or people; This may be the IFA that advised you and/or the SIPP operator or pension provider.

Where appropriate, we will register the claim with the Financial Services Compensation Scheme (FSCS), who will then send us their claim form, that will require your signature.

We’ll notify you when we’ve received the form and post it to you for you to sign and return to us. If you don’t return the form to us promptly, we’ll give you a polite reminder!

Please note, the IFA and SIPP operator/pension provider have up to 40 days to provide us with the information we’ve asked them for. Some are good and respond quickly, others don’t respond at all! If this is the case, we may need to ask you to sign a further Letter of Authority.

Whether they respond, or not, we will keep you regularly informed with any progress made and we will chase third parties, in the event that they do not respond, as your claim cannot be properly assessed, until we have the necessary information back from them.

When all the requested information (including your signed claim form) has been sent back to us, Stage Two has been completed.

FSCS & FOS Decisions

If the FSCS upholds your complaint, you will receive notification directly from them and we will receive a copy of the decision.  Shortly afterwards, you will receive payment from the FSCS and we will also invoice you for payment of our agreed fee.

In the unlikely event that the FSCS does not uphold your complaint, we will review the case within seven days and either appeal, or accept their decision. We will naturally keep you informed on a regular basis, in either event.

If your complaint is upheld by the FOS, your actual loss must be calculated and agreed.

This can mean that it can take between a further 3 to 9 months before payment is made to you.  Again, we will keep you regularly informed throughout this time.

If your complaint is not upheld by the FOS, we will notify you and explain to you why this is the case.

After-Claim Services

Following receipt of compensation, you may have various questions regarding what happens next, or where you now stand with your SIPP or pension etc.

We will contact you and endeavour to answer any questions you may have.

Furthermore, you may have the need to take advice about your ongoing pension arrangements, given that you have just been compensated for losses it has recently sustained.

We will be able to recommend an independent financial adviser to help you with any questions you may have.

In addition, we will be pleased to let you know about other products and services we have, which may be of interest to you both now, or at some point in the future.


Download our Service Standards