I opted out of the pension provided by my company because I couldn't afford the deductions at the time, but some of my money was taken and they refuse to give it back. Colleagues have said that you can't transfer it to another provider, which seems strange to me, but looking in to this, I am unable to find a definitive answer. Is there any government literature confirming one way or the other?
This naturally leads on to a further question: What happens if you move to another employer? Are you stuck with the same provider until you retire?