• not sure who's responsibility it is to determine how and when to implement the changes - I got an end of scheme notice this week, informing me that I can make one further payment equal to one monthly payment (i.e. about 8% of total cost of package) to take ownership, so this is fine with me.

    spoke with HR today - they said that the scheme provider had written to them about the new HMRC guidelines and stated that they were not making any changes, so HR has just gone along with that...

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