yeah its just the expense at the moment.
just had to move into a new area to get this job and take on a much higher mortgage, but suppose it forces me into doing it now if a final salary type scheme is decent.

does it make a difference with the scheme becoming closed to new entries? as there won't be any new contributors and so probably have to keep sinking money in to fund it?

HR weren't very helpful in offering up any advice, as they aren't allowed and told me to seek financial advice elsewhere!
I would of thought with company this size there would be someone allowed to give me level 3 advice at least.