Inthe case of the direct debit facility, it gave pension providers authority tocollect contributions direct from an SPCB bank account. However, experienceshowed that:if anindividual’s pension contribution increased by a small amount certain pensionproviders continued to collect the amount previously agreed and refused toaccept any increases of less than £10.00 per month;pensionproviders were able to take money out of the bank account in situations wherethe Personnel Office had not been notified that a pension wasin place;pensionproviders were collecting contributions in lump sums making it very difficultto identify for whom the contributions were being collected;pensionproviders continued to collect contributions for several months after anindividual had ceased employment despite being advised that their employmenthad been terminated;once a pensioncontribution rate had been set some pension providers would not accept anyrevised amounts, for example, increases due to pay awards, changes to contractedhours or backdated payments.More importantly, however, new pension legislation changescame into effect from 6 April 2001 which required the SPCB to review itsprocedures.