Hi j.k., I can't offer any advice about your pension, but I was worried when I read that you are feeling suicidal. Please put those thoughts out of your mind, your life is worth so much more than the money that you owe.
Do HSBC hold more than 25% of your debt? Who are your other creditors? I did see a post on here recently where HSBC accepted an IVA at less than 40p in the pound.
Would bankruptcy be the end of the world for you? If you have no assets and it won't affect your job then it could be a way forward for you - you will no longer have the pressure of your debts and you can move on with your life. Depending on your surplus income you may have to pay up to 70% of it into an IPA for 3 years, but you will be left enough to live on.
Others on here know far more about IVAs than I do and might be able to offer you a solution, but I wanted to answer your post so you know you're not alone x
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
http://skippy13.blogs.iva.co.uk/