pension question

IMASMARTIE22

started work in November last year.
got enrolled in a pension i told them i didn't want.
moving forward to last couple of months [ manger cant seem to give me a straight answer] i decided enough was enough and i would contact  the pension provider  [NEST]
only to be told i don't have a pension with them!
as you could believe im bit confused after speaking to  NEST apparently this company  keeps my money then invests it at the end of 12 months which is not expectable 
 i have been trying  for last couple months to obtain common sense from them and got nowhere 
i have been advised to start court process ? as this would get at least a response from them?
any advise please 

p00hsticks

Just to confirm what you are saying- you've opted out of the workplace pension, you are still having money deducted from your salary but as yet this has not appeared in a pension anywhere ? 

Who has advised you to 'start court process' ?

dunstonh

as you could believe im bit confused after speaking to  NEST apparently this company  keeps my money then invests it at the end of 12 months which is not expectable 

That is not how auto-enrolment works.   NEST invest the money upon receipt of it from the employer.

i have been advised to start court process ?

That isn't the normal process in disputes.  Who is telling you to do that?

On the limited information you have given us, it appears your employer is deducting the contributions from your payslip but not paying the money to the pension provider (NEST in this case).   So, the issue here is that the employer is in breach of the rules.

If the employer is not co-operating to resolve it, then you should contact the Pensions Advisory Service by calling 0800 011 3797
You can also use the Pensions Regulator
Report missing payments to your workplace pension | The Pensions Regulator

Marcon

IMASMARTIE22 said:

started work in November last year.
got enrolled in a pension i told them i didn't want.
moving forward to last couple of months [ manger cant seem to give me a straight answer] i decided enough was enough and i would contact  the pension provider  [NEST]
only to be told i don't have a pension with them!
as you could believe im bit confused after speaking to  NEST apparently this company  keeps my money then invests it at the end of 12 months which is not expectable 
 i have been trying  for last couple months to obtain common sense from them and got nowhere 
i have been advised to start court process ? as this would get at least a response from them?
any advise please 

The way auto-enrolment rules work (and your employer can't choose not to follow them) means that you have to be enrolled in a pension scheme before you can opt out. I suspect that you haven't followed the required formal opt out procedure (which again your employer is required by law to follow), which is why contributions are being deducted (?are they?).

The idea of starting 'court action' is plain daft. Apart from the cost, it simply isn't necessary. You could contact the Pensions Regulator, but before doing that, you need to be clear what's actually going on. Free, expert and impartial assistance is readily available to you to help do just that: https://www.moneyhelper.org.uk/en/pensions-and-retirement

IMASMARTIE22

thankyou i will follow your suggestion's please understand they are seriously p....ing me off 
google dosnt always give you all the facts
 

Albermarle

got enrolled in a pension i told them i didn't want.

So you turned down free money ?

Dazed_and_C0nfused

Albermarle said:

got enrolled in a pension i told them i didn't want.

So you turned down free money ?

And possibly paying more tax for the privilege 😳

L9XSS

Your older self may regret this decision unless you have made pension provision through some other means.

Silvertabby

L9XSS said:

Your older self may regret this decision unless you have made pension provision through some other means.

Under the old State pension scheme those who didn't have access to an occupational pension, or who opted out of their employer's pension, paid higher rate NI and accrued additional State pension (SERPS/SP2).

Under the new scheme, those who get the full nSP of (currently) £203.15  per week will be a couple of quid over the means test limit, and so won't get Pension Credit (PC) or all the other tasty benefits that being in receipt of PC opens the door to.

OP, do you have any other pensions/savings, or will you be happy to live on just the nSP in retirement?

LHW99

This explains why opting out isn't a good idea

https://blog.moneysavingexpert.com/2021/04/martin-lewis--an-important-warning-to-every-employee-in-the-uk/