Salary Sacrifice Car

macgyver

Hi all,
I work for the NHS and got trapped into buying a Salary sacrifice ar through my employer. I got attracted by the idea that I will be paying less per month as the money goes out before tax and NI is deducted and I bought a fully electric (expensive car) because it was promoted as a zero BIK tax for 2020 and 1 % for 2021 and 2% for 2022.
But now I have realised that my pension contributions have gone down as well as my total salary is less and more importantly I will be hit with Anual allowance hit when I come out of it as the pension will show a pseudo-growth.
What's the best way out of it?
Someone was suggesting to come out of pension for a short time (?few months) when I leave the salary sacrifice scheme (return the car). 
Is this advisable or any other suggestions?
Thanks

 

calcotti

This is the welfare benefits forum - possibly try the cutting tax forum. (What is 'ar'?)