Dodgy dealings with a pension?

Pal

Get your friend to complain to the Trustees about her not being given pension scheme details and so not being able to join the scheme until 1999. Demand reinstatement back to her date of joining the company. Keep the details very brief.

Then show the response to Citizens Advice. It might be worth getting a solicitor to write a letter to them claiming discrimination of some description.

In practice this might not get anywhere as there might be a perfectly good reason why she could not join the scheme, but it is certainly worth a shot.

dunstonh

It really does sound messy. Are the company going to make up back payments?

knuckledragger

DD,
the contributions since February this year will be paid into her scheme by the company.
I wonder how much would be owing if the contributions prior to 1999 had also to be made up. I think this would be a significant boost to her pension fund. She can but try. I honestly believe that it is down to the genuine incompetence of her employer to set up the scheme properly in the first place.

Debt_Free_Chick

The correct remedy here is for her to be put in the position she would have been in, had she been admitted to the scheme at the right time. The pension administrators can do this calculation - most administrators do it more often than you might imagine!

However, if the scheme is contributory, then she must also be prepared to pay all the back contributions.

knuckledragger

DFC,
it's non-contributory. So she has nothing to lose in giving it a go.