Hi, I see what you mean about the tax and NI. For my part, I don't mind as earnings is earnings and contributions should be made, thereof and the employer's NI contribution would amount to under £40 on the total sum (it being so relatively low). But I suppose if they are mean enough to try denying me the money in the first place they are likely to be equally mean about paying that extra thirty-odd quid. Just for the record, I may be getting confused regarding the plan's charges so here is what the policy says: "For arranging this plan Aviva will pay commission to the Broker of £610 at the start of the policy. We will also pay £.00 in years 1 through 5 and £150 in each following year". I suppose they can calculate the latter yearly commissions as the contributions were to be a fixed monthly sum @ ten per cent of my basic salary. Any overtime or other payments were not mentioned in the plan or the employment contract. Would it be me or Aviva who paid those fees, due you think? Maybe I've got the plan charges all wrong.

In the words of Windsor Davies "Oh dear. 'Ow sad. Never mind". I could sorely use that £500 or so, just now (who couldn't) but if it's not to be, then it's not to be. Sincere thanks for your advice.

Thanks again. It all just seems pointless to pay the sum owed (around £600) into a pension plan - particularly as the setup fee of the plan is over £600 in the first year. Could that mean that if the employer did now pay the owed amount in, the plan would be in negative equity for instance? Also, the plan is subject to a yearly charge of circa £150 so, effectively, the only people to gain would be the pension provider. It just seems bonkers.

So, if the employer has actually even now not paid into the plan (on further reflection, I actually consider it likely that this is the case - as I'm pretty sure Aviva would have sent me the Policy Document......unless, of course, they may have sent it to my work address), that would mean the funds are still with the employer. In which case, can I insist - rather than request - that the monies are paid to me? Reason I ask is that I do not have any other pension plan and am of an age where starting one is unlikely in the extreme. Thanks for the continued support and advice.

Hi again, I have trawled through all the TAC's of the policy and have found a section that states: "WHAT HAPPENS IF I LEAVE MY JOB? 1) You must stop contributing to your plan. 2) You will normally be able to take a refund of the value of the fund that relates to your own contribution, less tax. The value of the fund may be less than the contributions paid. As per item #1 - The plan was due to commence at start of September but this had not been signed-off by my manager (for the fund's Trustees) at my time of leaving, in January. So no payments had even commenced. As per item #2 - Even had the plan commenced, as it was a non-contributory scheme, no "own contributions" were to be made, anyway. The employer being the only proposed contributor to the plan. If I ask Aviva and they confirm the plan was never started, can I demand payment from my former employer of an amount equivalent to that which they were contracted to, do you think? (Fingers crossed).

Close or delete the thread as far as I (the OP) is concerned. The moderators have allowed it to become a train-wreck, in any case. Shame, shame and triple-shame on you for that.

Agreed. Get a grip then.

I'm all but lost for words (especially as I'm Irish). Where does the potato famine come into this? What planet are you on? Is this the level of support innocent and needy people can expect here? Racist rants from the Red Rose Atlas (I'll bet you don't even know what I refer to). Such is the level of support, here. Shame and shame again on you guys. Get a grip please.

Ordinary people (I include myself) find this site through troublesome (sometimes desperate) times and seek advice. We hope to gain knowledge and advice from those who are inclined to provide it. It seems that CAG is sinking into the same mire MSE failed to avoid. Populated by knowalls and pontificators who reign supreme from their posting-tally rather than the advice they convey. People (me included) need advice - not the self-satisfied and smug repartee that the 1000+ posters on CAG assume is their right to impart. Shame on you.

SOME welcome to the forum, eh?

So read the first four posts in this thread and the subsequent Emmzzi posts. Then comment.

I have not disagreed with EMMZZI at all. I welcome and appreciate the advice he has provided. I do question his grasp of the subject, is all.

I understand "incapable" as do I "extrapolate" and even "examples". But I don't understand your enquiry. Maybe I'm unintelligent.

I have tried, but I simply can't let this go . "Solid = "I am letting you go because you do not follow *deity name*" - in writing with a signature". So, duhh, when is THAT ever likely to happen (in writing with a signature). Woolly = "You don't want Sunday off? But I thought you'd need to worship *deity name.* Ooh, get you." With one witness, who was in the tea room next door at the time, and won't put anything in wirting for you. It's not me scared of working Sunday. You seem to have not only misunderstood but turned the scenario on its head. Are you an adviser here? No? If not, thank Buddha (or another prophet/deity of your own choosing). I have what I have. I have the knowledge that I was victimised. I have the knowledge that I was forced to resign in order to avoid being fired. I have the knowledge that I didn't just perform but that I excelled in the job. I have the knowledge that the manager is a fruitcake. Why do you not support me? Why do you pick a fight?

Thanks HB (so blinkin' complicated isn't it). Not to worry, it's only £600 or thereabouts. Could use it but (hopefully) won't die through lack of it.