Conor:
Winseer:
I’ve found that in the 13th continuous week at the same client via agency - it is my undestanding that they (the client, not the agency) are obliged to offer you a job full time.
You understand wrong. There IS a temp to perm where agencies will state that if a company wants to take a client on then they either pay 13 weeks as commission or they have the worker there 13 weeks.
You can also opt out of this “compulsory pension” crap they put you into automatically, where you can expect to pay in for 2-3 years before expecing much “pension benefits” back.
Only a dumbass would opt out of a pension, literally you have to be a full on drooling ■■■■■■ to opt out of a workplace pension. You’re literally demanding to get paid less and demanding to be poorer when you retire. Anyone who tells you to opt out of a workplace pension is the last person you should ever ask for financial advice, so stupid is what they’re telling you.
I’m currently paying in around £20 a week, my employer adds £12. Because it comes out of pre-tax pay it literally costs me £16 out of my take home pay to put £32 in my pension. Even if I’m only doing it for 3 years for a sum total of £4996 of which only £2496 is out of my pocket out of my take home pay and it sits there until I retire then that’s an additional £13,245 I’ll have in retirement when I retire in 20 years time if it grows at 5% average per year, £13k I’d not have if I followed Winseer’s advice. Anyone else think that getting £13,245 for £2496 out of their pocket a bad deal?
I’d agree with you - if we were talking about “Defined Benefits” pensions, of which there are precious few left, and NONE as far as I am aware - signing up new members now.
Today’s crappy pensions though - involve the first 2-3 years of contributions paying front-loaded commissions, and you really need to be paying in for around 10-12 years just to have a good chance of breaking even on what you’ve paid in by that point.
Even the names of these pensions - are very mickey-mouse sounding, with no offices to visit, money taken BEFORE you’ve consented or signed anything, and NO transparancy on where that money goes…
“Nest Pensions”, or “NOW Pensions” or “CARE Pensions” - are all the same to me. Con Outfits taking advantage of this government legislation that makes it compulsory for employers to offer such a plan to staff after a number of weeks of working there. Well, I’d rather have my £28/week worth of deductions back in my own pocket, thanks - especially as it seems my “employer” isn’t paying in half themselves, AND I’m not getting any tax relief on these “contributions”. Indeed, the £28 looks more like a “Salary Sacrifice” deduction! 
In any case, I’ve already got two paid-up pensions, and I’m also likely to be working until I’m 70 - so WTF do I need a third Front-loaded Commission-heavy “investment of wealth destruction” pension for at MY age, less than 20 years from even a “kicked-down-the-road” retirement as I envisage for myself? 