> It now is 5 years later and my initial personal pension contributions are being eaten up by charges.
What sort of charging structure was on the scheme that it has been eaten up by charges in the meantime? Did it involve most of the first year or more contributions being taken in charges? What sort of bid-offer spread, other up front charges and commissions deducted from each contribution, annual management fee, monthly policy fee etc. were involved?
> Is there any was I can transfer my personal pension to my occupational one ( as my employer will accept it) or cash up my personal pension
Unless the rules have changed in recent years then I don't think that you can transfer the personal pension plan to an occupational scheme. Perhaps you can transfer it into a PRSA but I don't think so either. I'm pretty sure that you can't cash it in either I'm afraid.