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@frank9755
I went through pension consolidation about 12 years ago. I had two pensions from previous employers and a person pension that I had taken out a decade or so previously.
I put all of them into my new SIPP, which is where everything is today.
What I remember is that for old pensions you had the fund value and the transfer value, which was far lower. It meant that you would lose much / most of the value of the fund if you were to transfer it, as you could only transfer the transfer value.
One of mine certainly had this - the old personal pension. I can't remember how I got round this, but I don't think I had to take a write-off. I am pretty sure that these lock-ins are now illegal. Maybe I moved my pension at the time that they were abolished.
The platform charges in my new SIPP were significantly lower than in all of the old pensions. I had only ever invested in tracker funds in all of them so the actual fund charges were similar.
Doing the transfers was straightforward as long as I had the right paperwork (in those days it was paper, and I had to make some phone calls). I certainly wouldn't have considered paying anyone to do it.
Happy consolidating!