They may or may not deserve the rating from those who have dealt directly with them, but in common with many others, my experience with them has been over several years receiving cold-calls either by telephone or via LinkedIn, offering pension advice (I am an expat living in Denmark with a UK pension and apparently a prime target). The representatives generally describe themselves as being w1 based in some country outside the UK, but I can only assume they are part of the same group. Every time I tell them not to contact me again and the contacts keep on coming. Even if it is not a scam, they behave like aggressive scammers and should be exposed for this behaviour.