Opt out of pension to pay debts?

[Noonemournsthewicked]

Would love some advice as to whether this is a good idea temporarily.
I am in a one year FTC with a local government pension. My contribution is
5.2% and employer contributes on top. It takes a sizeable chunk of my meagre wage.
I have a patchy pension history with lots of little ones here and there but I've always paid into one. I have previously withdrawn a my contributions to local government pension scheme in a former job which is annoying as they could have linked up.

We have quite of lot of debt when compared to our income and I'm thinking this could be one way of tackling them quicker.
For context I am 30 and my pension age is 68.

Consider with caution
As a young starter I opted out for the same reasons.
When it was time to Opt back in I think I had missed out on tens of thousands once retired as they had changed the pension agreement policy.
Beware!
Wish I never opted out ~sigh~

The pension contributions you make whilst young are the most valuable.

Find other ways to service your debts.

What happens to all the little pensions here and there sprout? I've had jobs where I've paid into a pension for less than a year and then moved on. When I retire do they all link up?

This is my main concern as if I have another job next year it'll be another tiny pension.

You would have to consolidate them yourself, and there’s usually an admin charge to it. Otherwise each would be a separate pension paying you 50p a week or whatever.

You should contact each company and ask them how to consolidate. I doubt they can go into the LA scheme so you may need a personal pension plan or something.

Thank you for the advice. This is where I don't feel its worth having yet another pension currently as the amounts in them are small and the admin charge would probably be a good chunk of it. And I can't imagine a private pension would be a good option for me right now either.