Hello, my name is XXXXX XXXXX it is my pleasure to assist you with your question today. Are you still working?
i'm now self employed starting a new business but as yet i am not drawing a salary, before that i was un-employed for 3 years
Do you have any other pensions you are paying into now?
You can try and consolidate the pensions into one policy and they will remain there until your retirement when you can draw them out. Or you can just leave them as they are now and again just draw them when you retire. Some schemes may allow you to draw them early but there are likely to be penalties associated with that, although these would depend on the individual scheme so it is best to contact the provider to see whether that is possible and what the charges would be
how do i go about consolidating them
you need to choose which one you want to transfer the money into then contact the relevant providers to tell them you want to transfer your pension over and they will advise you of what you need to do, such as complete a transfer form
does it matter if they are different companies
No you can transfer them between different companies, I have done that in the past
thank you, XXXXX XXXXX one which is old and the company no-longer exists but i can't find out you now holds it, any suggestions
this may help in tracking it down:https://www.gov.uk/find-lost-pension
ok thanks for your help and advice
you are most welcome