Actually, I had a good and bad experience with them, changing the funds away from the default has been excellent and he gave good advice on this. Anyone who doesn't change them is mad IMHO!
However before long the conversation moved on to savings and that the C fund is no good (which is true) and before long it was about the usual managed savings plans that the other dodgy lot sell (from which he would get a huge commission). Can't complain on the provident stuff but be careful with anything beyond this.