What do I do with these pensions?

I think the ongoing minimum 1% annual costs of a pension share should be factored in to the deal - just as council tax and the cost of selling the family home is - I was nearly suckered into to signing up to a personal pension with a 3% annual commission to the IFA - he never mentioned it - I found it in the small print on the day I was supposed to sign.Another IFA wanted £300 an hour for his advice - another thought I could put my pension share into a non-pension investment fund at 8% a year to him.
None of them ever suggested a stakeholder pension.
I may have had a run of bad luck with IFAs.
Sorry Phil - but Hollyett should beware - some are no good.

Yes,

Like anything in life it is caveat emptor.

I am more than happy for you to raise the issue of fees/commission here. There is unfortunately, a huge array of different advisers out there with many different (and very commercial) ways of charging.

All I can comment on is my own approach

All clients I work with sign an engagement letter at outset (if they want to proceed) which sets out exactly the scope of work to be done and how and what I will charge.

I have found that this is the most fair and sensible way of operating.

Regards

Phil