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Before raiding your pension, I'd suggest paying a visit to the Dealing with Debt board.
There's a whole bunch of friendly and very helpful people over there,
who have a lot of experience in helping folk with 'debt mountains'.
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Warning about early pension release schemes
The FCA says "You should be especially wary of any scheme offering to help you release cash from your pension before you are 55, as it is almost certainly a scam."
The Pensions Crisis
We have a separate board called Pensions - Motivation and Policy. If you want a general discussion of the relative merits of pensions or to talk about the "Pensions Crisis" that is the place for the discussion.
Closure of the UK Discussion Boards
The UK Discussion Boards are now closed to new posts.