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.
Related case studies
The case involved complaints made by members and the current trustee of the pension schemes, Dalriada Trustees Limited (Dalriada).
On joining her new employer and being automatically enrolled into a pension plan, Ms N realised that her former employer should have also automatically enrolled her into a pension plan.