No Peter, I have only worked for the NHS for 5 years. I did look into their Pension Scheme, but it would come under the new Pension Rules and would not be worth it.

The one I'm talking about was from my engineering days. I had two pensions running at that time and - like I said - I lost £40,000 on the one, decided to freeze the other, and on advice, got this annuity pension. Thanks for your interest. .

Like Harry mentioned, I think this would affect my State pension if I don't do something about it. Unfortunately it's not enough to open a Swiss Bank Account.