(Question is in context of UK only)
Government is currently phasing in an auto-enrollement for private penions. Employers must automatically enroll employeess onto private pension scheme. Nuff said, more info in google.
Employee does have the right to opt out. If employee opts out within first 30 days from being auto-enrolled then she/he will be refunded any of contributions already made and her/his case will be treated as if employee has never joined a scheme (at least until the next auto-enrollement)
Is scheme provider obliged to confirm optout in writing?
I am facing a situation where I have been auto-enrolled onto pension scheme. Scheme provider did not give clear instructions of "how to opt out". In fact opting out was only possible via one-time web-form available when performing a mandatory registration on pension provider's website. Once I have opted out I received a popup message saying "Thanks you are now opted out". After that registration went on and I gained access to account. Nothing inside online account indicates that I have opted out. It just states that I am a member of the scheme. There is no option to opt out now that I have registered... I have not received an email or letter confirming my opting out. In other words I have no confirmation of me opting out whatsoever.
I have tried calling scheme provider and requesting a confirmation of myself opting out but they explicitely refused stating that they don't provide such confirmations.
Having that said there is nothing preventing my employer from continuing deductions from my salary against my will and submitting these funds to pension scheme provider. I am worried that once 30 days period expires I will not be able to get my initial contribution (made against my will) refunded.
Any ideas on the above?
Took me a week but eventually I managed to receive a confirmation from my employer. Problem solved. Thanks to everyone for input. Especially to @Vicky