Read our Teachers and other Local Government worker 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 six, Local Government Pension case studies taken from thousands of successful cases that David and his team won with MMC.

Client 1.

In June 2017, Mr Fox acted on, what has now been proven to be unsuitable advice, and transferred his Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £111,909.07, which grew to a total value of £145,463.93 by July 2019.

However, MMC established that had Mr Fox remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £328,984.28. Taking this figure, and the overall (revised) value of his Personal Pension (SIPP) into account, it was confirmed that Mr Fox had suffered an actual loss of £183,520.35. 

On 18th July 2019, the Financial Services Compensation Scheme (FSCS) awarded Mr Fox £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.

In March 2016, Mr Hiles acted on, what has now been proven to be unsuitable advice, and transferred his Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £80,303.27. He was also advised to transfer a Standard Personal Pension with a value of £51,026.63 into the SIPP, resulting in a total value of £131,329.90 being transferred into his SIPP. In May 2019, the total fund held within his SIPP was valued at £130,164.21, meaning over the three-year period, Mr Hiles had suffered an investment loss of £1,165.69.  

In addition to this loss, at the point of his claim being settled, MMC established that had Mr Hiles remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £176,236.97.  As for his Standard Personal Pension, this would have been valued at £69,798.89, meaning MrHiles had suffered an overall loss of £116,386.92.

On 23rd May 2019, the Financial Services Compensation Scheme (FSCS) awarded Mr Hiles £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.

In August 2017, Ms Petherick acted on, what has now been proven to be unsuitable advice, and transferred her Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £76,351.68, which Ms Petherick withdrew £19,087.92 as a tax-free lump sum and by June 2019 had received £2,750 in income payments from the fund. After paying various fees, she invested £52,000 into a fund, which less than two years on had fallen to a value of £46,637.20. 

In June 2019, MMC established that had Ms Petherick remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £93,279.97. Therefore, taking this figure, and the value of the benefits she had withdrawn from her fund, it was calculated that she had suffered an actual loss of £24,804.85. 

On 6th June 2019, the Financial Services Compensation Scheme (FSCS) awarded Ms Petherick £24,806.38 in compensation for the losses she’d suffered. This payment included an interest payment of £1.53.


Client 4.

In October 2017, Mr Cozens acted on, what has now been proven to be unsuitable advice, and transferred his Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £169,602.67, which Mr Cozens withdrew £42,400.66 as a tax free lump sum. After paying various fees, he invested £125,522.01 into a fund. Mr Cozens continued to pay ongoing fees from his fund.  

In March 2020, MMC established that had Mr Cozens remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £267,407.89. Taking this figure, the amount he had taken as a tax-free sum, and the (revised) value of his Personal Pension (SIPP) into account, it was confirmed that Mr Cozens had suffered an actual loss of £109,013.36. 

On 9th March 2020, the Financial Services Compensation Scheme (FSCS) awarded Mr Cozens £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 5.

In October 2016, Mr Fish acted on, what has now been proven to be unsuitable advice, and transferred his Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £140,941 which Mr Fish withdrew £104,235.36 as a tax-free lump sum and income payments.

In September 2019 MMC established that had Mr Fish remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £232,883.50. Taking this figure, the benefits withdrawn, and the (revised) value of his Personal Pension (SIPP) into account, it was confirmed that Mr Fish had suffered an actual loss of £94,548.24. 

On 2nd September 2019, the Financial Services Compensation Scheme (FSCS) awarded Mr Fish £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 6.

In November 2018, Mr Murray acted on, what has now been proven to be unsuitable advice, and transferred his Local Government Pension Scheme (LGPS) into a Personal Pension arrangement called a Self-Invested Personal Pension (SIPP). The amount transferred was £129,034.62 which Mr Murray withdrew £53,661.53 as a tax-free lump sum and income payments.

In February 2020, MMC established that had Mr Murray remained in the LGPS, the equivalent ‘hypothetical value’ of that pension would have been £282,978.18. Taking this figure, the benefits withdrawn, and the (revised) value of his Personal Pension (SIPP) into account, it was confirmed that Mr Murray had suffered an actual loss of £106,865.79. 

On 27th February 2020, the Financial Services Compensation Scheme (FSCS) awarded Mr Murray £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.