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Cashflow now based on pension due October 2011?

Been unemployed since Nov 2009 due to ill-health but not getting any benefits. Savings gone and VISA balance up to £9000 (so about £150 interest per month) and struggling but still positive (just). Local Govt pension due in Oct 2011 will provide lump sum of about £35,000 and income of about £12,000pa. Is there a way I can create some capital now based on that totally secured money due next year?

Any advice really appreciated, I'm really struggling and stressed out. Thanks.
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