I am working with a multi national company here in Ireland who provide me with a very favourable pension.I am paying in to this pension fund for the last 12 years,but prior to this I had my own private personal pension fund.On entering my place of employment 12 years ago I was informed that by law you cannot have a private and company pension,so I had to stop paying the first one.I'm just wondering if anybody has had that experience and how they dealt with it.I had hoped that I could put it into my present pension as an AVC,but was told by the pension company that it would be held by them until my retirement age,which means that they will continue to charge maintenance and commission on it until it comes of age.ANYBODY GOT ANY ADVICE?