Automatic enrolment – The case study of Mr M
Mr M was automatically enrolled into a pension scheme by his employer but decided to opt out. He was paid a refund of his contributions. However, contributions continued to be deducted from his salary. Unfortunately, Mr M did not notice until he left his employer seven months later.
Mr M contacted his former employer, but they referred him to the pension provider. Mr M contacted the pension provider, but they referred him to the employer. After several frustrating phone calls, which did not progress matters, Mr M contacted TPO.
Our adviser contacted both the pension provider and the employer. It transpired Mr M had been re-enrolled in error. We referred the employer to the plan’s procedural notes, which explained how this could be corrected. The necessary action was taken and Mr M was refunded the contributions deducted in error.
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Mr S complained that the Ministry of Defence (MoD) allowed him to transfer from the Armed Forces Pension Scheme (AFPS) to the Capita Oak Pension Scheme (the Receiving Scheme).