Pension Query - Please advise.?

When I was 20 I opted out of the state pension and put the money into a private pension fund(about 1988/1989) and paid some monthly amounts into the account. After 2 or 3 years I stopped work and went to see the world. Now about 20 years later I am living in Spain, resident in Spain, while my pension is still happy in Scotland. It is worth about 12,000 GBP.
My question is/are:
1. Is there anything I should be careful of?
2. Is there anything I should do or do in the future?
3. What problems might there be when I take the money out?
Any further advice would be welcome.
Thanxs

1. Yes - check the money continues to be invested in a manner which is appropriate for your attitude to investment risk.
2. That depends on whether your plan meets expectations or if you are likely to have a retirement income shortfall.
3. Well firstly you have to decide how you are going to draw on your fund - if you plan to return to the UK then that's straightforward - 25% of the fund is available as a tax free lump sum between the ages of 55 and 75. The remainder must provide a taxable income. If you are resident in Spain, you will have to decide whether it will be more beneficial to pay UK income tax (and by virtue of the double taxation agreement between UK and Spain, pay no Spanish tax), or vice versa - a question probably best directed to a UK ex-pat accountant living in Spain (there are loads).

Hope that helps

You need an independent financial advisor - not a bunch of cowboys on yahoo!

Try www.thepensionservice.gov.uk