Multiple pension schemes
Hi, I'm hoping for some advice. Please be gentle as I've no idea what I'm doing and am fully aware how thick I sound.
I used to do agency / contractor work for circa 20 years. I worked for multiple companies so had a lot of different employers at the same time for a long time.
I've only ever agreed to one company pension scheme which is my current one which is a regular/normal job.
But I keep finding out by chance, I have lots of 'bitty' pensions - we are talking usually £5 here, £20 there etc that I never agreed to be in and was never told about. There's also one that has £900 in it that I specifically remember opting out of! Today I had one from a pension scheme for an agency I worked for EIGHT years ago.
None of these I agreed to. Virtually none of these schemes ever reached out to me on registering me. I'm wondering how many more I have??
Can anyone explain it to me like I'm 5 how I can go about finding out where I have more of this stashed away without my knowledge? I can't even begin to list the agencies and some went under donkeys ago.
Also can I merge all these into one big pot? If so, how? And how do I decide which to go with?
Thank you for any advice.