I think I’m in the same boat as you Mike, I have multiple pensions from different companies, some from the same company who closed one scheme and opened another - think I have 7 or 8 in total. Problem is every time I look to transfer one to amalgamate them a bit I’m always advised to leave it where it is

I have 2 schemes left from the old final salary scheme - they don’t pay a large sum but it is guaranteed, I wanted to transfer them to my current drawdown scheme but you have to get a financial advisor to approve it for a final salary scheme and neither of the ones I dealt with would do it as they are worried about being sued in the future for giving poor advice - thing is certainly with one of them I would have to live until I was in my mid 90’s to get the same sum and I can’t see that happening!