Ridiculous alteration/transfer fees - RAF investment

I cannot fathom why I have been and will be charged such ridiculously high alteration/cancellation/tranfer fees on my PPS retirement annuity.

I rrecently made my PPS RAF policy "paid-up" (ceased making contributions) and now want to transfer the remianing funds into a more flexible retirement savings investment product.

I was charged 13.6% of my investment value to make the policy "paid-up" (yes you read correctly, 13.6%!). And now PPS is wanting to charge me an additional 5.4% of my investment value if I want to transfer my investment savings to another asset manager.

This is ridiculous - it feels like my retirement savings are being ****** by PPS! The main reasons I am wanting to transfer my funds from PPS is due to 1) their high investment fees, 2) the poor performance of their funds and 3) the inflexibility of the current RAF investment product. So why must I be penalised by PPS to such an extent? And PPS cannot use the reason that it is for lost future revenue or lost commision - why should I be liable for that, even if it was in the contract that I previously signed i.e. the fine print which one never reads, as this is seemingly tantamount to *******.