1) Stakeholder pensions were introduced in 2001 so it's unlikely you have one unless you transferred an old pension into one in the last 9-10 years.
2) You can take 25% of the fund value after 55 and either take the rest as an annuity(income for life) or enter income drawdown which enables you to take a percentage of the fund per year.
3) A pension is to provide an income in retirement not to spend on watching Country music acts is the USA(I'm assuming you're talking about Garth Brooks).
You may find this link useful:
http://www.pensionsadvisoryservice.org.uk