utmost.co.uk

3.4
3.4 Based on 183 reviews

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Average Rating

3.4

/
5

183 Reviews

5 Star
43%
4 Star
15%
3 Star
9%
2 Star
8%
1 Star
26%

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TIM EVELIA
I foolishly trusted them with my…

I foolishly trusted them with my savings. They forced me to put money into account, and now I can't get a single penny back. My account has been deactivated, so I can't try to process a withdrawal. They control the withdrawal completely. I am delighted I enrolled on Way‍mine I found them transparent and what they said from day one about withdrawal is what I have seen.

1
Date of experience: Sep 22, 2025
John J
Admin really slow

Admin really slow! How can you make sensible investment/pensions decisions when they're taking over 10 days to respond AND their online offering is pathetic?Time to move funds elsewhere, I think.

2
Date of experience: Sep 18, 2025
Madalyn Thaler
Steer far from this platform

Steer far from this platform, they are very manipulative and dubious, it's obvious they are designed to lure and steal from their users. I am a victim and I won't want others to fall into the same scam. Being with PAIVA has been the best decision I took. They are trustworthy and my returns has been steady.

1
Date of experience: Sep 16, 2025
Andrew
** WARNING CHECK YOUR INVESTMENTS WITH THIS COMPANY **

I Phoned them gave instructions to switches my pension investments.WHICH THEY DID NOT. SO LOST ME MONEY ££** THROUGH THEIR INCOMPETENCE MISMANAGEMENT **

1
Date of experience: Sep 11, 2025
Nick
Very slow to respond to initial enquiry…

Very slow to respond to initial enquiry regarding a cash withdrawal request from MY pension pot. Customer services stated that they cannot do anything over the phone and I would have to await a response from the message I sent on their website (10 days ago at present!). It seems I am in for a lengthy, drawn out process to access MY money…..Thank you Laura I have emailed you with the details as requested and await your response Hello LauraYes, it was sent on 04.09.25 at 16.34pm. I have just re sent it again?HelloYes I have checked the email address is correct? The message is also in your online portal.Hello LauraThank you for sending the relevant documents. I have returned the completed forms which I believe are required, but please do let me know ASAP if you need anything further as I do not want any further delays with this. Thank you for your assistance,

1
Date of experience: Sep 04, 2025
John King
Really slow to respond or even to…

Dated Aug 19, 2025 : slow to respond or even to acknowledge my emails. It’s almost like they are all working from home and get to choose who they will respond to and when. It’s hard not to feel that I am being ignored. Please keep in mind that it’s MY money. Extremely frustrating and unprofessional. I want to take all my ‘Equitable’ money out of my relatively small pension pot before I die, but it feels like they are callously & deliberately trying to prevent me from doing this. No excuses Utmost, get your act together.Update:Thankfully ‘Laura’ responded and I received the cash-in forms via email and filled those in, then subsequently wrote to them at the end of September requesting cash-in date of November 4th ( I had brought this forward from December to pre-empt any negative changes that might be introduced in the budget) Well it’s now the end of October and I haven’t seen anything back from them confirming that this is going to happen.

1
Date of experience: Aug 19, 2025
Jayce Morris
Poor admin and clunky systems

I have a pension fund administered by Utmost. Firstly, I've had numerous problems over the past few months logging into "myutmost". Sometimes it works, sometimes it doesn't. This is very frustrating (took me three attempts today before it let me in - I use a password manager so I wasn't making an error in my password). I am now bringing together funds from various providers including Utmost. These will purchase an annuity. They are the only provider in my list not to use an industrywide communication system (Origo I think) which allows your chosen annuity provider to communicated easily with all the fund holders. Hence separate printed documents are required and old fashioned and haphazard post is needed.Then when all their forms are completed, they write to me by snail mail to ask for the completion of a further form (when they could have notified me through myutmost that the form is there or could have arranged for me to fill in the form through their own secure system.But no, they send it by the post; suggest I email a scanned copy back to them but fail to give the email address in the letter!!!Update to this review: I called Utmost and they gave me the appropriate email address; I submitted the form and received an automated reply saying it will be dealt with within 10 days! When you are realising a fund to buy an annuity, waiting 10 days (when markets could move against you) because Utmost must have insufficient staff to deal with enquiries in a timely manner is very poor indeed.

2
Date of experience: Jul 19, 2025
Stephen
You want your money? Don’t hold your breath…

Is anybody else here old enough to remember the Monty Python sketch about the insurance company which sold special ‘No Claims Policies’? Well Utmost are the No-pay Out Investment Specialists. My wife has been attempting to realise some investment policies she was left since April. Nothing much happened at first - after we chased them they sent us some forms. Since then, the service has got worse. After we sent the forms in, they just gave up replying to emails. It is now July. We finally managed to phone them. The lady on the phone seemed to think the payout could have been delayed because the original purchasers were recently deceased. I suppose that could be the case: they passed on roughly a decade ago, but then, time obviously passes at a different rate for Utmost.HOLD THE FRONT PAGE… We’ve had an email from Utmost saying the assets have been realised and payment would be made in a few days… Oh - hang on, that was a week and half ago. Still no payout. The incompetence of these people verges on criminal negligence…

1
Date of experience: Jul 03, 2025
Canute
Slow

Slow, slow, slow. Two week response time for anything. I telephoned and asked why so slow, answer was we are very busy...So surely hire more staff!I am transferring out!

1
Date of experience: Jun 27, 2025
Matthecraft3r16
Awful,awful timeline with…

Awful,awful timeline with reclaiming/altering your pension plan/needs.Filled out their option form with my decision to drawdown some of my pension more than a month ago.As someone with liver cancer,time is not on my side.Phoned today and assured their response was posted out yesterday-v.convenient..So,after filling in my option form a good month ago-and giving my bank/payment details,they will (allegedly)be sending out a letter asking me for my bank details!!Nice one utmost-hopefully, I'll still be alive when you finally get your act together and feel ready to give me some of MY pension!

1
Date of experience: May 07, 2025

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