Pension options to deal with debts / mortgage situation

NedS

Grumpy_chap said:

Perksy5 said:

Other than that cutting down on luxuries where you can and other non essentials will help you now and in the long term. It sounds like you've had a hell of a ride so far with the numbers you've racked up. Definitely time now for a change in lifestyle and address this before it gets worse and take action while you can before it's too late.

Irrespective of what the OP does now with regard to the pension, I suspect that this is going to be the hardest thing for the OP to do. 
I understand the OP has been in a similar position in the past and went for bankruptcy.
The OP clearly has a lifestyle now that exceeds their available finances, hence the current position.
The OP has had a reason to reject every option mentioned in the threads on ways to reduce expenditure (go to 1 car, sell the newer car, cancel SKY / Netflix, downsize house, allow a family friend to adopt the pet, more careful budgeting for regular spends, etc.).  

Maybe I'm just naive, but I don't understand how someone with a previous history of debt / bankruptcy is then allowed to rack up so much debt again.

Kim1965

Mě too, but then ive never had a credit card.