Pension advice when not enrolled.

[Deleted User]

Hi,

I've been in a job for small company, coming up well into the 4th month but with no sign of a pension being set up.
Late 30's, work full time, salary 20k. I get the impression an accountant manages payroll. 
I have never knowingly opted out and I'm sure my contract doesn't mention a pension.
Not confirmed in writing (and I don't think I would ever receive a letter to be fair) as passing probation to this point.  
I can see no real restrictions or preventions why I wouldn't get pension conts and now getting concerned having read info from The Pension Regulator.

Except, possibly unique situation is I am the only employee? (otherwise the business is made up of Directors, family members and wider self-employed people).
(plus the business is only just passing a year old.)

Also, I have noticed I am being paid under an old company name when the monthly wage goes into the bank and under HMRC, a name previous to the business I've joined - would this cause any problems later on?  

I have previously held pensions with Nest and Aviva from other employments - I am starting to save a little on payday, would it be worth me trying to divert this into one of these pots or hold on until potentially the P.R catches up.

I've tried looking at gov.uk about pension enrolment and come across this - could someone explain what it means? (does it mean the employer could go round to say 6 months of employment) 

Delaying your enrolment date

Your employer can delay the date they must enrol you into a pension scheme by up to 3 months.

-further reading from this link about The Pension Regulator suggests they can come after the Employer and an Employee then has to possibly backpay contributions so would this actually be my first day of starting the concerned employment or are there delay points as the gov site mentions about delaying allowable.
  

xylophone

https://www.gov.uk/workplace-pensions/joining-a-workplace-pension

All employers must provide a workplace pension scheme. This is called ‘automatic enrolment’.

Seems clear enough?

[Deleted User]

Yes, thanks, but, like I say, simply, hasn't happened for me.  I am hoping to raise the matter on reaching 6 months if I last it so thanks for the link.

There is no pension whatsoever set up and I'm trying to find out the ramifications for an Employee who in the past clearly has been enrolled with other companies but when it just feels like a case of a (small time) Employer being able to flutter their eye lashes say they don't know much about these things or the other fine one being that their accountant is dealing with it. After all the accountancy industry is even unregulated sadly so forgive me, I've no actual real hope or faith really in the system.

Albermarle

Why wait 6 months , the company should be contributing now ( minimum 3%) .

They are actually breaking the law, either deliberately or more likely due to ignorance.

[Deleted User]

Thank you, I am aware of 'strike off' happening to that previous business name that my wages comes in under and this has only happened fairly recently so I thought some time may be best as Companies House records strike-off completes by looks of it in Sept. They can't continue to pay me under a dissolved company surely? I'm hopeful the soon to be dissolved company might change things.

I wanted to wait to 6 months so least I get one holiday under this current employment, which might rock the boat. 

I can't recall where I've seen it but in trying to look into this I've come across a link that say's an Employer can get round pension contributions set up by just stating person is a temporary worker. They get 3 months grace on delay which can only be used once. 

penners324

To be a temporary worker you'd be working for a recruitment agent...

They have to set you up. If not complain to the pensions regulator 

penners324

And put your contributions in 1 of your other pensions in the meantime