Veteran Case Study: “I Didn’t Know If I Could Claim – I Just Knew Something Felt Wrong”

Many veterans were encouraged to transfer their pensions — but few were told the full story.

This is the true story of Paul (name changed), a former Army serviceman who began to question the financial advice he’d received after leaving the military.

He wasn’t sure if he had been mis-sold a pension — or whether he had any right to complain. But something didn’t feel right.

At Justice4Heroes, we hear stories like Paul’s every week. This case study shares his journey and offers insight for other veterans wondering whether to get a pension transfer review.

“At the time, it sounded like the right thing to do…”

Like many ex-military personnel, Paul wanted to make smart decisions about his future. He met with a financial adviser who offered to help him transfer his military pension into a private scheme.

“He told me I’d have more control and get better returns,” Paul said. “It felt like it made sense.”

What Paul didn’t fully understand was what he was giving up — including the guaranteed, inflation-linked income provided by the Armed Forces Pension Scheme.

Pension Concerns That Grew Over Time

Several years later, Paul began to worry. His pension pot wasn’t growing as expected. His provider was slow to respond, and the adviser had vanished.

“I just wanted answers,” he said. “I wasn’t sure if I’d been mis-sold, but I knew something felt off.”

Many veterans in this situation don't realise they may have a right to challenge poor advice — or even seek financial redress. That’s where Justice4Heroes stepped in.

A Pension Transfer Review — With No Pressure

Paul got in touch for a free, no-obligation assessment. Our team listened to his concerns, talked him through what counts as pension mis-selling, and explained what could happen next — if he decided to take it further.

We then introduced him to one of our specialist legal partners — experts in military pension mis-selling and financial justice for veterans.

“There was no hard sell,” Paul recalled. “Just someone who understood what I’d been through and wanted to help.”

Every Case Is Unique — But You Don’t Have to Face It Alone

Paul’s story isn’t rare. Thousands of UK veterans were advised to move their pensions without a proper explanation of the risks.

Even if it happened years ago, or you don’t have all the paperwork, you could still be eligible for a claim — especially if the advice was unsuitable, unclear, or unregulated.

At Justice4Heroes, we help veterans:

• Understand if they were mis-sold a pension or investment

• Access legal support from experts in financial mis-selling claims

• Navigate the claims process with no jargon and no judgement

• Seek compensation through the FSCS or Financial Ombudsman Service

• Get answers — even if all they want is peace of mind

“I wish I’d spoken up sooner.”

Paul says he waited for years before seeking help because he wasn’t sure he had a claim.

“I thought maybe I’d just made a bad choice. But now I know I was never given the full facts.”

If you're unsure whether you’ve been mis-sold a pension or investment, don’t wait until it’s too late. A conversation costs nothing — and could make a huge difference to your future.

Worried About a Pension Transfer? We’re Here to Help.

📞 Call us on: 0800 776 5622 📩 Email: [email protected] 🌍 Visit: justice4heroes.org

Justice4Heroes supports UK veterans in identifying mis-sold pensions, understanding their rights, and accessing legal support through expert solicitors. You served your country — now let us serve you.