After a long battle we have finally been successful in obtaining compensation for clients of Solutions Financial Services (UK) Ltd a company of FSA/FCA authorised and regulated financial advisors with permissions to arrange pension transfers and investments.

SFS were Appointed Representatives (AR’s) of 2 networks over the years.

Unregulated Investments

However, we have found that their clients did not understand that when the advisors were promoting unregulated property investments with Harlequin Property or CEPP (a closed end property portfolio) or SARP (a sale and repurchase scheme) Investments Arck LLP, they didn’t have their networks permissions to do so.

The advisors also promoted Oceânico, fractional investments in Little River Colorado USA, arranged by Martin Date in Portugal.

An initial pension transfer or investment may have well been with a Skandia or Old Mutual Wealth portfolio – vanilla products where customers’ investments were safe.

But, once the advisors started working as sales agents for unregulated investment companies they subsequently arranged pension transfers into SIPPs, with the Guardian Pension Consultants – also known as GPC SIPP – being the preferred choice.

Guardian accepted investment instructions from both regulated and unregulated firms – so few to no questions were asked.


Over the years, the Financial Ombudsman Services has looked at a number of complaints in relation to SFS.

The principle network responsible for Solutions Financial Services (UK) Ltd’s actions argued that it was not responsible for the unsuitable advice.

It said the advice had not been given by SFS but by the advisors unregulated company, Solutions Tax and Investment Planning or STIP. It also said that its ARs were only authorised to give advice on products that it had approved. Neither the Guardian SIPP, the CEPP nor the SARP were Tenet approved products.

Some cases may have been upheld, but others were subject to time limitation.

Compensation Claims

Whilst some clients may have been fortunate enough to recover some of their losses, as either the Financial Ombudsman Services upheld the case, or the Yorkshire Bank could be held responsible in respect of his SARPs investments, the majority of clients ran out of time, made their complaints too late or had a rejection by the Financial Ombudsman Services.

If this sounds familiar you should act now!

There may still be a way for you to recover all or part of your losses, especially if you have not yet received compensation or if you weren’t fully compensated for your losses.

Get Claims Advice Now!

If you had dealings with any of those firms you should speak to one of our Financial Claims Consultants and let us review all the transactions which were made.

Please get in touch with us if you have any concerns about the advice you received or the way your investments are performing.

Most clients don’t understand that they may have suffered losses, as their annual statements show that the pension fund is still valued at purchase price.

We have been fighting your corner for years – and may just know a trick or two, helping you to finally obtain compensation!

Call Us Now For A No-Obligation Chat

We offer a free assessment of your situation to find out if you may be owed money redress. We will inform you of other options available to you. Don’t delay because there are time limits to claim your compensation. The best time to act is now!

Contact us for an informal discussion to explore your options. You’ll also get a better understanding of how we work before deciding on your best course of action.

Pension Claims Experts

ACL Consultancy Ltd have been in operation as a claims management company (CMC) for 10 years and have offered the lowest flat fee service in the industry since 2017. We welcome the new Financial Conduct Authority regulation to put a cap on CMC fees.

We are able to work for a reasonable fee because we don’t buy your data from the companies involved in your claim. We pass these cost savings on to you. Our success is your gain.

Our team possess a deep knowledge of pension and investment compensation, including overseas property investment, and welcome your call to find what solutions are available to you. So, you’ve nothing to lose and everything to gain by calling us today.