D-IFF
I'm in a similar boat regarding FSAVCs. I too was talked into this a number of years ago, not NBing at the time (and certainly not told by my IFA) that if I retired at 38 as was always the plan, the pension would be worthless. If anyone knows of a way to get the pension provider to transfer the cash to a different scheme, I'd be interested. My provider said it would be a breach of tax law.
Tom