Need help with a claim involving Carey Pensions

If you’re worried about losses from a transaction involving Carey Pensions and are considering compensation, our experts can help. We’ll review your case thoroughly to determine what happened, who’s responsible, and how much you could potentially recover.

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CAREY PENSIONS

Why You Can Claim Compensation or Redress Against Options UK Personal Pensions LLP (formerly Carey Pensions UK LLP)

The Financial Services Compensation Scheme (FSCS) has been processing claims against Options UK Personal Pensions LLP, previously known as Carey Pensions UK LLP, related to mis-sold Self-Invested Personal Pensions (SIPPs). If you were advised to transfer your pension into a Carey Pensions SIPP and suffered financial loss, you may be eligible to make a compensation claim.

Background

Incorporated: Carey Pensions UK LLP was authorised by the Financial Conduct Authority (FCA) under Firm Reference Number (FRN) 501747.
Rebranding and Acquisition: In 2019, Carey Pensions rebranded as Options UK Personal Pensions LLP following its acquisition by STM Group Plc, a cross-border financial services provider.

Issues Leading to Claims

Carey Pensions UK LLP accepted business from unregulated introducers, such as Commercial Land & Property Brokers (CL&P), which advised clients to transfer their pensions into Carey SIPPs and invest in high-risk, unregulated assets like storage pods. Many of these investments underperformed or became illiquid, leading to significant client losses.

The firm’s failure to conduct adequate due diligence on these investments and introducers, despite operating on an “execution-only” basis, has been deemed a breach of regulatory obligations, resulting in upheld complaints and compensation awards.

Recent Developments

The Court of Appeal upheld the Financial Ombudsman Service (FOS) decision against Carey Pensions (now Options Pensions), confirming failures in due diligence on unregulated introducers and investments. This follows several high-profile cases where innocent customers, were misadvised and have lost their pension funds due to improper investments such as store pods and overseas property.

Who Was Involved?

The following individuals were associated with Carey Pensions UK LLP in regulated capacities:

Christine Hallett – CEO
Susan McPherson – Compliance Officer
Patrick Fox – Sales Director

Client Impact

Clients who transferred pensions into Carey SIPPs and invested in non-standard assets may have experienced substantial financial losses. The Financial Ombudsman Service (FOS) and subsequent court rulings have established that Carey Pensions failed in its duty to conduct necessary due diligence, making them liable for client losses.

Compensation and Claims

If you were advised to transfer your pension into a Carey Pensions (now Options UK Personal Pensions LLP) SIPP and suffered financial losses due to unsuitable investments, you may be eligible to claim compensation through the FSCS.

If you transferred your pensions to or invested in a Carey SIPP, you may have faced financial losses and could be entitled to pension compensation.

Cary Pensions issues with due diligence on the investments allowed into their SIPP and regulatory compliance have led to significant losses for their pension customers.

Common Issues:

Mis-sold Pensions: Unsuitable advice pushing high-risk investments not aligned with your risk profile.
Negligent Due Diligence: Failure to properly vet unregulated introducers and risky investments within their SIPP.
Regulatory Failures: Breaches of FCA regulations that exposed clients to unnecessary financial risk.

Take Action Today:

Free Consultation: Discuss your situation with our legal experts to see if you have a claim.
Case Assessment: We’ll review your SIPP details and investment history to determine eligibility.
Claim Process: If eligible, we’ll guide you through the entire process on a no-win, no-fee basis.

Get Started Now!

Call us at 0161 840 1560 or request a callback to begin your claim for compensation. Don’t suffer in silence – you may be able to recover your lost pension.

Company background (public record)

The company was incorporated at Companies House on 12 February 1998 under company number 03509223. Its status at Companies House is recorded as dissolved.

Registered office: 11th Floor Landmark St Peters' Square, 1 Oxford St, Manchester, M1 4PB.

Previously named: CARCRAFT GROUP LIMITED; PINCO 1022 LIMITED.

Nature of business (SIC): 45112.

Company timeline (public record)

Key dated events for this firm, drawn from public records. Each entry shows its source.

Date	Event	Source
12 Feb 1998	Company incorporated	Companies House
12 Feb 1998	Pinsent Masons Secretarial Limited appointed corporate-nominee-secretary	Companies House
12 Feb 1998	Pinsent Masons Director Limited appointed corporate-nominee-director	Companies House
18 Feb 1998	Company renamed (previously PINCO 1022 LIMITED)	Companies House
11 Mar 1998	Mandy Marene Bowden appointed secretary	Companies House
11 Mar 1998	Pinsent Masons Secretarial Limited resigned as corporate-nominee-secretary	Companies House
11 Mar 1998	Mandy Marene Bowden appointed director	Companies House
11 Mar 1998	Douglas Richard Kearney appointed director	Companies House
11 Mar 1998	William Torquil Macnaughton appointed director	Companies House
11 Mar 1998	Darren Thomas Mckee appointed director	Companies House
26 Feb 2014	FCA status recorded as: No longer authorised	FCA Register
26 Feb 2014	Pass Financial Services Ltd ceased as appointed representative	FCA Register
26 Feb 2014	Ucan Car Credit Ltd ceased as appointed representative	FCA Register
28 Mar 2014	Graham Pearson appointed director	Companies House
28 Mar 2014	Robin Garry Bridge appointed director	Companies House
28 Mar 2014	Darren Thomas Mckee resigned as director	Companies House
28 Mar 2014	Noel Francis William Mckee resigned as director	Companies House
28 Mar 2014	Steven Robert Nobes resigned as director	Companies House
11 Sep 2014	Colin Anthony Houlihan appointed director	Companies House
12 Sep 2014	Robin Garry Bridge resigned as director	Companies House
30 Apr 2015	Company entered administration (in administration)	Companies House
09 Jul 2015	Company administration ended (in administration)	Companies House
09 Jul 2015	Company wound up (creditors’ voluntary liquidation)	Companies House
09 Jul 2015	Insolvency practitioner appointed: Daniel Robert Whiteley Smith	Companies House
09 Jul 2015	Insolvency practitioner appointed: Joseph Peter Francis Mclean	Companies House
18 Dec 2015	Declared in default by the FSCS	FSCS
12 Feb 2016	Sisec Limited resigned as corporate-secretary	Companies House
10 Sep 2024	Company dissolved (creditors’ voluntary liquidation)	Companies House

Focused on the firm’s early history and the events leading up to and following its failure. 37 routine entries from its active years are omitted.

Who was involved?

The following individuals are listed on public records in connection with the firm. These are matters of public record only and their inclusion does not imply any wrongdoing by any named person.

Noel Francis McKee. Listed on the FCA Register as having held CF3 Chief Executive (14/01/2005 to 26/02/2014), CF8 Apportionment and Oversight (14/01/2005 to 31/03/2009) at the firm.
Robin Garry Bridge. Listed on the FCA Register as having held Responsible for Insurance Mediation (14/01/2005 to 26/02/2014), CF29 Significant management (12/01/2009 to 26/02/2014), CF1 Director (14/01/2005 to 26/02/2014) at the firm.
Darren Thomas McKee. Listed on the FCA Register as having held CF1 Director (14/01/2005 to 26/02/2014) at the firm.
Barry Graham Kirk Nightingale. Listed on the FCA Register as having held CF1 Director (06/06/2006 to 31/10/2008) at the firm.
Nigel Andrew Gilmore. Listed on the FCA Register as having held CF17 Significant Mgt (Other Business Operations) (06/06/2006 to 31/10/2007), CF29 Significant management (01/11/2007 to 31/12/2008), CF11 Money Laundering Reporting (06/06/2006 to 31/12/2008), CF1 Director (06/06/2006 to 31/12/2008) at the firm.
Steven Robert Nobes. Listed on the FCA Register as having held CF1 Director (19/02/2009 to 26/02/2014) at the firm.
Colin Anthony Houlihan. Listed at Companies House as director (appointed 2014-09-11).
Graham Pearson. Listed at Companies House as director (appointed 2014-03-28).
Mandy Marene Bowden. Listed at Companies House as secretary (appointed 1998-03-11, resigned 2002-09-30).
Anthony John Hinkley. Listed at Companies House as secretary (appointed 2006-01-09, resigned 2008-06-27).

Appointed Representatives and Agents

While it was authorised, the firm acted as principal for the following appointed representatives. An appointed representative carries on regulated business under the responsibility of its principal, so their conduct can be relevant to a claim.

Appointed representative	Reference	Effective from	Ended
All In One Finance Limited	FRN 438557	31/08/2005	26/02/2014
CC Automotive Group Limited	FRN 438555	31/08/2005	26/02/2014
Pass Financial Services Ltd	FRN 474679	01/11/2007	26/02/2014
Ucan Car Credit Ltd	FRN 458218	05/10/2006	26/02/2014

Review page sources: FCA Register (FRN 309050) · Companies House (03509223) · FSCS. Public records, provided for transparency.

When it comes to Claims,
we won’t waste your time or ours.

This is why we have a 82%* success rate on submitted claims in similar circumstances to Carey Pensions

*82% success rate is an accurate figure based on pension and investment related claims submitted and concluded between 1st December 2020 to 1st August 2024.

Latest FSCS Update

September 2025

The FSCS has confirmed that Hartley Pensions Limited’s Joint Administrators are working through a structured exit strategy, with FSCS funding in place. Customers are being processed in groups, meaning some will see their situation resolved sooner than others. For those who held Store First lease investments inside a Hartley SIPP, the FSCS has confirmed it cannot directly surrender these leases, and customers should refer to the UHY Hacker Young website for Hartley’s position. If you are a Carey Pensions or Hartley customer feeling lost in this process, that is completely understandable, and our team can help you make sense of where you stand.

If you believe you may have been affected, please book a free consultation with our team. We will carry out all the investigative work on your behalf. If your claim is not successful, you will not pay a penny. You can call us during office hours or email hello@claimmyloss.co.uk – we are here to help.