What??? A quick explanation PADA are the people who are setting up a Govenment backed pension scheme called Personal Accounts and if you employed and not in a pension then you'll have to apply not to be in it! Their pension scheme will cost you, it will be another deduction on your payslip and an unpopular one unless PADA gets it right. Mind you. you'd have to be pretty set against that kind of saving to opt out of it as you'll get a healthy doll … Read More