Can I cash-in a dormant pension (dormant since 2002),with a current encashment value of €2700 ?? If so , who do I contact- the pension provider or a third party ??
As a general rule, no - you can't cash in a pension. You can't get your hands on the money until you reach retirement age.
In certain limited circumstances, where you were a member of the scheme for less than the 'vesting period' (usually 2 years), you may be able to get a refund less a deduction for tax.
So - does that mean that at age 50 onwards you could withdraw all the money -including employer's contributions? Do you know if there's such a thing as 'vesting' in that you can get your hands on all the employers contributions after they've been in the scheme for so long. In the company I'm with in the U.S. as long as you've been with them 5years+ you are 'fully vested' so get to keep 100% of what they contribute (you'll pay what taxes and penalties on this of course.) I have a pension back in Ireland from my time with the same company, but it seems that if I attempt to withdraw I'd lose all their contributions - is this correct ?