I think these schemes are great but it's causing a dilemma for me and probably others too.
My problem is that I'm earning less than £12k per annum by temping for several different agencies and they're all auto enrolling me on their schemes. I'm going to end up with dozens of pots with tiny amounts in them. Trying to opt outand get refunds is a nightmare.
I love temping... It suits my lifestyle.
I just wish it was possible to have any employer/employee contributions paid into my existing scheme. I understand the benefits of tax relief of the schemes but in my case they're counter productive.
I've just signed a gov petition for low earners losing out on pension tax relief (see here... petition.parliament.uk/petitions/261267) but it doesn't really address my dilemma of wanting payments made to my existing pension scheme.
Just having a rant - sorry!