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My dh has come home with another load of paperwork from his company about his pension. He's been told he must up his contributions from 3% to 5% of his earnings or he will not be eligable for the scheme and there is no alternative. The company are also transferring to another provider for the second time in 3 years. I used to work in pensions admin many years ago and I'm surprised by this. I'm not sure they can force dh to up his contributions to stay in the scheme (and I'm not sure we can afford it either) and secondly I'm alarmed that they are changing schemes again and losing money through transferring companies. I'm also that each employee will be required to pay the IFA a monthly fee for the priviledge (and I don't think this is the same as the commission trail paid by the provider, it seems an ancillary charge that must be met by each employee)... The company have also said if he refuses to join the scheme he will not be eligable to join again for 3 years... I've got a couple of hours free to look into it further but if anyone has any advice...!
Direct Gov Company Pensions You might find this link useful. It says "The Pensions Regulator: If you're worried about the way your company pension scheme is run, you can contact The Pensions Regulator (formerly the Occupational Pensions Regulatory Authority)." and there are some contact details. Could be worth a phone-call.