Orange,
I think you should speak to a pensions advisor for proper guidance relating to your specific circumstances. I did a little Googling and would suggest contacting: http://www.pensionsadvisoryservice.org.uk/
Quote:
We are an independent voluntary organisation that is grant-aided by the Department for Work and Pensions (DWP).
We provide information and guidance to members of the public on all pension matters, covering state, company, personal and stakeholder schemes.
We also help any member of the public who has a problem, complaint or dispute with their occupational or private pension arrangement. We do not deal with problems, complaints or disputes relating to state pensions.
Our service is free and is provided by a nationwide network of volunteer advisers who are supported and augmented by technical and administrative staff based in London.
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