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Frances Ratcliffe

| Call 2002

Profile: Pensions

Experience and Expertise

Frances has established a substantial pensions practice, dealing with a wide variety of matters, both litigious and advisory. She has consistently been recognised as a Leading Junior in the Legal 500 from 2011 to date.

Frances represents trustees, employers and members of occupational pension schemes and personal pension schemes of all sizes. She has appeared in the High Court and before the Determinations Panel of the Pensions Regulator, and has represented clients before the Pensions Ombudsman.

She advises and acts in claims for construction and rectification of scheme documents and in claims against pensions professionals including solicitors, actuaries, scheme administrators and financial advisers. She is frequently instructed in defective equalisation claims under Barber in which issues of limitation and matters arising from the power of amendment of scheme documentation commonly arise.

Recent work includes advising in respect of the investment powers of pension scheme trustees; advising in respect of the authorised payments regime under the Finance Act 2004, acting for a creditor of a pension scheme in enforcing a charge over pension scheme assets; and representing the trustees in in a professional negligence claim against the scheme’s former actuaries and solicitors.

Cases of Note



Frances is recommended in the Legal 500 (2011 to date) Pensions Section as a Leading Junior.



Donna-Marie Hughes v Royal London and recent developments with pension scams

The Annual NEAPL Case Law Update (July 2013)

Age Discrimination and Pensions (NW Association of Pension Lawyers Training Session) (May 2010)



Frances is an associate member of the Association of Pension Lawyers.

Frances Ratcliffe
“A very thorough advocate.”

The Legal 500