https://www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/automatic-enrolment/faqs-about-automatic-enrolment I am on a zero hours contract. How will I be treated? You will be automatically enrolled in the same way as other workers if you earn more than, currently, £192 a week, £833 per month or £10,000 a year and meet the other joining conditions.

that is the thing about unilateral contract by advertisement, they are open to anyone to accept of decline. you are not forced to buy washo soap powder just because the telly says you should and likewise if they say that if you dont like the result you get your money back they cant suddenly say it doesnt apply to wednesdays. The way the offer is made is more important and that is why we ask to see the signage at the entrance to the land from the public highway as it can easily be argued that a sign that is half way up a lamppost behind a tree isnt a universal offer. Proper attention has to be brought to the conten

i have a copy of the barclay card application form from 1991 and you are correct it was automatically added and you had to opt out by ticking a box, this caught many people out and the FOS agree it was mi-sold as it was confusing. Financial Ombudsman service:However, some forms ask people to' deselect' or 'opt' out of PPI usually by ticking a box if they didn't want PPI which often wasn't made very clear. We don't think this is fair if the customer did nothing, it would look like they chose to have PPI, which might not be true. So in this case, we'd probably say the policy was mis-sold.

Hello and welcome to CAG. I've merged your threads rather than have two running. I expect people will be along to advise later. Best, HB

Financial Ombudsman service:However, some forms ask people to' deselect' or 'opt' out of PPI usually by ticking a box if they didn't want PPI which often wasn't made very clear. We don't think this is fair if the customer did nothing, it would look like they chose to have PPI, which might not be true. So in this case, we'd probably say the policy was mis-sold. barclaycard ppi 1991.pdf