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  • FIRST POST
    • walesrob
    • By walesrob 17th Feb 19, 10:22 AM
    • 1,012Posts
    • 2,962Thanks
    walesrob
    Auto-enrolment shambles
    • #1
    • 17th Feb 19, 10:22 AM
    Auto-enrolment shambles 17th Feb 19 at 10:22 AM
    I did have a workplace pension provided by my current employer, but I opted-out last year. Come last pay period, I was automatically opted back in without any prior notification, and deducted 49. I then had to jump through hoops to get opted out again.

    How can this be allowed to happen? Surely it should be an opt-in choice, and if I opt out 12 months ago, why should I have to go through all the nonsense again just months later? It's wrong on many levels.

    Many colleagues in the company I work for (a major UK retailer) have had the same shock of having this pension money taken without their prior consent. Some of us can't afford to suddenly have 50 taken from the monthly pay without making other plans to cover it.

    Just to add insult to injury, I had a letter from the pension provider a WEEK after pay to say I am enrolled. Again.
    Last edited by walesrob; 17-02-2019 at 10:27 AM. Reason: Firefox creating unwanted paragraph spacing
Page 1
    • Slinky
    • By Slinky 17th Feb 19, 2:47 PM
    • 6,303 Posts
    • 29,717 Thanks
    Slinky
    • #2
    • 17th Feb 19, 2:47 PM
    • #2
    • 17th Feb 19, 2:47 PM
    I can't say why your employer hasn't told you in advance but it's something that will happen every 3 years. I'm an employer and I've just received this email:


    We’re writing to you as we understand that you are setting up re-enrolment for XXX Ltd or helping them to do so. If this is not the case, then please forward this email to a representative of XXX Ltd so they can let us know who to contact instead.


    What is re-enrolment?





    choose your re-enrolment date







    assess your staff to see who needs to be put back into a pension scheme







    write to those staff that you have put back into a pension scheme







    complete your re-declaration of compliance before your re-declaration deadline.


    Further information

    For further information and tools to help you carry out your re-enrolment duties, including our essential guide, visit our website. Act now to make sure you meet your duties on time.
    What is re-enrolment?

    Every three years an employer must put certain staff back into a pension scheme. This is known as ‘re-enrolment’. This is an employer’s legal duty and you must let us know you have done it by completing and submitting a re-declaration of compliance.





    • Paul_Herring
    • By Paul_Herring 17th Feb 19, 9:23 PM
    • 6,954 Posts
    • 3,626 Thanks
    Paul_Herring
    • #3
    • 17th Feb 19, 9:23 PM
    • #3
    • 17th Feb 19, 9:23 PM
    Surely it should be an opt-in choice, and if I opt out 12 months ago, why should I have to go through all the nonsense again just months later? It's wrong on many levels.
    It was specifically designed as an opt-out system, with re-enrolment scheduled 3 years after any opt-out, unless specifically opted-out again at that time.

    Any more frequently than 3 years (as you appear to be indicating) sounds like an administrative error on behalf of your company. You need to sort this out with payroll in the first instance.
    Conjugating the verb 'to be":
    -o I am humble -o You are attention seeking -o She is Nadine Dorries
    • Patrick David
    • By Patrick David 5th Mar 19, 10:16 AM
    • 3 Posts
    • 0 Thanks
    Patrick David
    • #4
    • 5th Mar 19, 10:16 AM
    Can employer auto-enrol you before 3 years?
    • #4
    • 5th Mar 19, 10:16 AM
    HELP would be much appreciated.
    I joined a company Nov 2017. Because of my age and low wage I opted out of the pension.
    I November I was auto-enrolled. Spoke to the pension department; they told me I would be reimbursed. I wasn't. Instead they took the money again in December.
    Phoned again and was assured I was opted out but the contribution was deducted again in January.
    I've lost nearly a 100 - all my overtime wiped out.
    I've been told it's just the law.
    Can the employer/pensions company auto-deduct before three years or not?
    I've also just received notification that due to 'legal' requirements I may have pension contributions deducted in the future if I earn over 833 a month - even though I have opted out of the pension scheme.
    Is this correct?
    • Paul_Herring
    • By Paul_Herring 5th Mar 19, 10:19 AM
    • 6,954 Posts
    • 3,626 Thanks
    Paul_Herring
    • #5
    • 5th Mar 19, 10:19 AM
    • #5
    • 5th Mar 19, 10:19 AM
    If you want to opt out, your employer MUST opt you out - they cannot simply force you to enroll.

    The following may help:

    https://www.thepensionsregulator.gov.uk/en/business-advisers/automatic-enrolment-guide-for-business-advisers/7-assessing-and-enrolling-staff/opting-out

    https://support.autoenrolment.co.uk/employee-support-and-faqs/why-am-i-unable-to-opt-out
    Conjugating the verb 'to be":
    -o I am humble -o You are attention seeking -o She is Nadine Dorries
    • Patrick David
    • By Patrick David 5th Mar 19, 10:34 AM
    • 3 Posts
    • 0 Thanks
    Patrick David
    • #6
    • 5th Mar 19, 10:34 AM
    • #6
    • 5th Mar 19, 10:34 AM
    Thank you so much.
    The problem is I did opt-out; they auto-enrolled me before three years; I complained and they told me I had opted out but it didn't show on the system the next month. I did the same thing and the same thing happened again the next month - so that's three month's of erroneous contributions to Legal and General who seem quite happy to take my money for someone else's pension pot.
    The company says it's not interested, even though in was their parlous staff management system that has resulted in me losing my wages.
    Now they are saying if I earn over 833 a month I could be forced to contribute again.
    Emailed my employer this morning and they've just referred me to a load of documents on the intranet that I cannot understand.
    I work for a major retailer that claims we 'own' the company. What a joke.
    All I want from them is the money I have earned - don't even care about so-called bonuses.
    Very upset.
    • Paul_Herring
    • By Paul_Herring 5th Mar 19, 10:41 AM
    • 6,954 Posts
    • 3,626 Thanks
    Paul_Herring
    • #7
    • 5th Mar 19, 10:41 AM
    • #7
    • 5th Mar 19, 10:41 AM
    take my money for someone else's pension pot.
    I'd rather hope it was going into your own pension pot.
    Conjugating the verb 'to be":
    -o I am humble -o You are attention seeking -o She is Nadine Dorries
    • Patrick David
    • By Patrick David 5th Mar 19, 11:08 AM
    • 3 Posts
    • 0 Thanks
    Patrick David
    • #8
    • 5th Mar 19, 11:08 AM
    • #8
    • 5th Mar 19, 11:08 AM
    At 57, earning 8.14 an hour I have barely enough to live until retirement. To get any benefit at all from this pension I'd probably have to contribute 50% of my monthly earnings which would not work, would it?
    • thelem
    • By thelem 11th Mar 19, 3:06 PM
    • 768 Posts
    • 564 Thanks
    thelem
    • #9
    • 11th Mar 19, 3:06 PM
    • #9
    • 11th Mar 19, 3:06 PM
    If you barely have enough to live now, how will you live after retirement?


    If you save 50 per month for 10 years (until you are 67) that comes to 6,000. Your employer and the government will match that making a 12,000 pension pot. You can check how much that might be worth as a pension using the calculator at https://www.moneyadviceservice.org.uk/en/tools/annuities - when I put your numbers in it said 650 per year, but that will vary depending on the options you choose.
    Note: Unless otherwise stated, my property related posts refer to England & Wales. Please make sure you state if you are discussing Scotland or elsewhere as laws differ.
    • penners324
    • By penners324 16th May 19, 1:44 PM
    • 144 Posts
    • 88 Thanks
    penners324
    It's not someone else's pension pot, it's yours.
    And your employer would have added an amout in as well.
    If you're paying in about 50 a month and then opted out, you'd only get an extra 30 in your take home pay give paye and ni contributions.
    • atush
    • By atush 29th May 19, 10:56 PM
    • 17,998 Posts
    • 11,437 Thanks
    atush
    I did have a workplace pension provided by my current employer, but I opted-out last year. Come last pay period, I was automatically opted back in without any prior notification, and deducted 49. I then had to jump through hoops to get opted out again.

    How can this be allowed to happen? Surely it should be an opt-in choice, and if I opt out 12 months ago, why should I have to go through all the nonsense again just months later? It's wrong on many levels.

    Many colleagues in the company I work for (a major UK retailer) have had the same shock of having this pension money taken without their prior consent. Some of us can't afford to suddenly have 50 taken from the monthly pay without making other plans to cover it.

    Just to add insult to injury, I had a letter from the pension provider a WEEK after pay to say I am enrolled. Again.
    Originally posted by walesrob
    Hopefully your employers were trying to protect you from your own stupidity. Where you throw away FREE MONEY by opting out.

    Madness
    • atush
    • By atush 29th May 19, 10:59 PM
    • 17,998 Posts
    • 11,437 Thanks
    atush
    I'd rather hope it was going into your own pension pot.
    Originally posted by Paul_Herring
    it was going into your own pension pot. if you werent so silly as to throw away free money
    • atush
    • By atush 29th May 19, 11:01 PM
    • 17,998 Posts
    • 11,437 Thanks
    atush
    At 57, earning 8.14 an hour I have barely enough to live until retirement. To get any benefit at all from this pension I'd probably have to contribute 50% of my monthly earnings which would not work, would it?
    Originally posted by Patrick David
    if you dont have enough now, how will you then? You'll have to work until you drop?

    Every penny saved now, is a penny plus .25 or more to spend in your retirement.
    • atush
    • By atush 29th May 19, 11:03 PM
    • 17,998 Posts
    • 11,437 Thanks
    atush
    It's not someone else's pension pot, it's yours.
    And your employer would have added an amout in as well.
    If you're paying in about 50 a month and then opted out, you'd only get an extra 30 in your take home pay give paye and ni contributions.
    Originally posted by penners324
    instead of $200 in your pension. Whats better, 30 or 100?

    Boggles the mind really.
    • Barney Rubble 0403
    • By Barney Rubble 0403 30th May 19, 12:04 AM
    • 109 Posts
    • 68 Thanks
    Barney Rubble 0403
    Stick with it. You are contributing 4% of qualifying earnings (government adds back tax 1,%) and your employer 3%. The pension provider invests the money and hopefully your pot will grow.

    We use Nest as our provider and everyone can sign into their account to see their pot. This pot travels with you if you change jobs and the new employer pays into it.

    You should have received packs from the pension provider which gives you the option to withdraw from the scheme.If I remember you have to opt out directly with the pension provider. I might be wrong on that.
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