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Cowley & Miller Independent

Financial Services Ltd


Firm Reference Number - 550002

Registered Company Number - SC391535

Failed - 07/07/2022



Cowley & Miller Independent Financial Services Ltd has failed and has been declared in default by the FSCS.  Have you been a victim of their pension transfer advice?


Cowley & Miller was based in Glasgow and had two appointed representatives (Cliffton Gillis and Tidal Wealth Management).  If you have received advice from Cowley & Miller or referred to them by their appointed representatives, you could be eligible for compensation for your losses.


The FSCS has received 34 claims against the firm, 10 of which were upheld by the Financial Ombudsman Service (FOS) between September 2018 and March 2022.  All of the claims relate to unsuitable pension transfer advice.


In several instances, Cowley & Miller advised clients to move their personal pension to a SIPP and to invest in carbon credits, an unregulated investment.


Transferring out of a personal pension or defined benefit pension can cause you to lose valuable benefits and even lose money in your pension.  Pension holders are often unaware that they have been victims and have had substantial losses.


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Cowley & Miller Independent Financial Services Ltd has failed.  It has stopped taking on new business but has to continue to meet FCA standards in dealing with its customers.


If you think that you’ve got a claim against Cowley & Miller Independent Financial Services Ltd, please fill out our registration form so that a licensed claims management specialist can evaluate your case for compensation.


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You do not need to use any third party to present a claim to either The Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS). You can make your own representation to them and their services are free.

Tower Hill Group Ltd is a limited company registered in England & Wales, registration number 12620190.

Tower Hill Group Ltd is registered with the Information Commissioners Office (ICO), registration number ZA760652.

The registered office is 124 City Road, London, UK, EC1V 2NX.