REJECT UNEXPECTED OFFERS
If you’re contacted out of the blue about a pension opportunity, chances are it’s a scam. Pension cold calling is illegal, and you should be very wary. An offer of a free pension review, from a firm you’ve not dealt with before, is possibly a scam.
DON’T BE RUSHED OR PRESSURED
Take your time to make all the checks
you need — even if this means turning down what seems to be an ‘amazing deal’.
GET IMPARTIAL INFORMATION OR ADVICE
You should seriously consider seeking financial advice before changing your pension arrangements.
CHECK WHO YOU’RE DEALING WITH
Search ‘ScamSmart’ and check the FCA’s register (see page 7) to make sure anyone offering you advice is authorised. If they are, check they’re permitted to give pension advice by calling the FCA Consumer Helpline on 0800 111 6768.