Read our Armed Forces case studies below.

Prior to forming Money and Me Solicitors Ltd (MMS) in 2020, Money and Me Claims Ltd (MMC) was founded by David Miller in 2009 and has since enjoyed an enviable track record in the pension claims sector, thanks to a success rate consistently above 95% for claims referred to the Financial Services Compensation Scheme and above 80% for claims referred to the Financial Ombudsmen Service.

Money and Me Solicitors Ltd (MMS) was formed as a result of David Miller joining forces with Damian Allison, who, having qualified as a Litigation Lawyer in 1994, brings a wealth of legal experience to the team. Building on the success and experience of David and Damian, Money and Me Solicitors aims to achieve similar, if not better results for its clients.

Below are just three Armed Forces case studies taken from thousands of successful cases that David and his team won with MMC.

Client 1.

Having served with the Armed Forces from November 1995 to April 2006, Mr P.Q. acted on, what has now been proven to be unsuitable advice, and in 2014, transferred his Armed Forces Pension Scheme 1975 Section (AFPS) into a Personal Pension arrangement. The Service Personnel & Veterans Agencyconfirmed that the amount transferred was £46,654.74. By August 2018 this had grown to a value of £47,442.80.

However, despite being a member of the AFPS for less than 11 years, MMC established that had Mr Q remained in the AFPS, the equivalent ‘hypothetical value’ of that pension would have been £123,193.66. This meant that he had suffered an actual loss of £75,750.86 

On 3rd December 2018, and after an initial ‘interim’ payment, the Financial Services Compensation Scheme (FSCS) awarded Mr Q a subsequent payment, taking the total to £50,000 in compensation for the losses he’d suffered. At the time, this was the maximum payment he was entitled to receive under the FSCS rules.


Client 2.

Having served with the Armed Forces from October 1992 to May 2001, Mr H.R. acted on, what has now been proven to be unsuitable advice, and in 2014, transferred his Armed Forces Pension Scheme (AFPS) into a Personal Pension arrangement. The Service Personnel & Veterans Agency confirmed that the amount transferred was £43,924.21. However, by March 2018, the value of his (new) pension had fallen to £39,077.86

Also, despite being a member of the AFPS for less than 9 years, MMC established that had Mr R remained in the AFPS, the equivalent ‘hypothetical value’ of that pension would have been £103,797.06. This meant that he had suffered an actual loss of £64,719.20. 

On 1st March 2018, the Financial Services Compensation Scheme (FSCS) awarded Mr R £50,000 in compensation for the losses he’d suffered. At the time, this was the maximum payment he was entitled to receive under the FSCS rules.


Client 3.

Having served with the Armed Forces from February 1989 to April 2001, Mr C.C. acted on, what has now been proven to be unsuitable advice, and in 2013, transferred his Armed Forces Pension Scheme (AFPS) into a Personal Pension arrangement. The Service Personnel & Veterans Agency confirmed that the amount transferred was £59,908.97. However, by November 2020, it was deemed that Mr Cotter had suffered a total loss of the fund.

Also, despite being a member of the AFPS for less than 13 years, MMC established that had Mr C remained in the AFPS, the equivalent ‘hypothetical value’ of that pension would have been £154,837.49. This meant that he had suffered an actual loss of £154,837.49. 

On 26th November 2020, the Financial Services Compensation Scheme (FSCS) awarded Mr C £50,000 in compensation for the losses he’d suffered. At the time, this was the maximum payment he was entitled to receive under the FSCS rules.


Please note that successful outcomes are not guaranteed.

Complete our simple claim form below and find out whether you could have a claim.

Some of the pension providers we have successfully claimed against on behalf of our clients.


Money and Me Solicitors Limited is Authorised And Regulated By The Solicitors Regulation Authority as a Licensed Body Alternative Business Structure (ABS) under Licence Number: 670274.

Registered office: Money And Me Solicitors Limited, Unit 7 Olympic Park, Olympic Way, Warrington, Cheshire, England, WA2 0YL

Money and Me Solicitors is a trading name of Money and Me Solicitors Limited, a Company incorporated in England And Wales Under the Companies Act 2006 and under Registered Number 12552029. We are also Registered with the Information Commissioners Office for the purposes of Data Protection Legislation.