answered 1 year ago
You need to contact Refuge direct, not via this site, to find out the situation.
Pensions normally can be combined, but the cost might outweigh the disadvantages. If you have a works pension which is being contributed to by your employer, then do keep that one going and, if anything consider transferring the Refuge pension into that. At any rate, do be clear about why you want to combine the pensions. Although it might feel 'cleaner' for you, there may not be any actual financial advantages.