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Pension Transfers is an area of some complexity but the principles are that you can transfer accrued benefits within a company scheme to your own fund, ( either a Personal Pension Plan or Buy-out policy), and the benefits at retirement will be yours. ( More rarely the pension transfer will be to the new employer ).
Whether or not you should transfer, ( or any previous pension transfers were correct ), is an unavoidably complex area involving numerous assumptions and estimates, compounded by the nature of the maths involved, ( no pun intended). For an Adviser to advise on Pension Transfers they must have passed an Advanced Paper in Pensions, or it's equivalent.
You can have fun with the Pension Audit and Single and Monthly Premium Calculator, but you need to seek specialist advice, and be prepared to pay a fee unless you are also intending to conduct some other business. ( Telling someone not to transfer is a non earning position. Hence the growing use of fees if a transfer question is the only area under discussion. OTOH if other business is involved then the transfer discussion becomes part of the service).
Pensions Transfer Scandal
In a nutshell this was that the Pension Companies sold Personal Pension Plans to people who didn't need them. People whose Company Scheme was far better than any PPP could be. Some IFAs also mis-sold, but very few of them. Most of the mis-sold pensions were sold by salesmen working for only one company, banks etc.
If you bought a Personal Pension Plan between during the late 80's to mid Nineties AND you were either in an employers scheme, or could have joined one, or took a Pensions Transfer (including so called Frozen Pensions), then if you haven't heard anything, read the official guidance from the Financial Services Authority (Pensions Review link on main page).