I started my first teaching post, as an NQT, in July 2010. I chose to opt out of the TPS initially as I was only 22, and had several expensive things to pay for (moving into new flat, driving lessons/car etc.) I completed the necessary paperwork, sent it to the relevant people and thought nothing of it. In April this year, I managed to get a new teaching role and decided to opt back into the scheme, as I felt able to afford the contributions. However, in April, I was notified by my LA that my original opt out paperwork never reached them, and that I hadn't been paying pension contributions due to a 'general admin' error on their part (I am aware that the TPS is something that you are automatically entered into, so not sure how that error occured!) Logic dictates that if I was in any way concerned about being in the TPS, I may well have noticed that I hadn't paid any contributions and would have queried this at some point in the last 2 years... As a result, I apparently owe the TPS contributions dating back to July 2010-and they promptly took £271 from my pay last month-no prior warning as to the exact amount, no consultation as to whether I could afford it, and no information as to how much I owe in total-nothing! Unfortunately, I personally do not have a copy of the original opt out form I completed, and it is not on my file at school. It may will be the case that I will never be able to prove my choice to opt out of the TPS if the paperwork has indeed been lost (LA have already confirmed with the TPS that they have not got any record of me opting out). But how can I find out what I owe them and organise a repayment schedule that suits me? The LA claimed that Capita would write to me and provide an invoice, but I haven't heard from them at all! Is there any other outside agency that may help me sort this out? And has anyone else had previous experience of this? I simply cannot afford to a) have such considerable deductions taken from my pay and b) not know what my monthly pay is going to be from now, so any advice will be gratefully received!