Hi Sandra - I guess the first thing to say is please don't panic, I think there will be a number of options open to you.
In regard to taking a loan against your pension there's not much I can advise. It's not something I know off in the loans industry and sounds more like some sort of endowment product. My recomendation would be seek the advice of an Independent Financial Advisor. They will work with you to understand your current situation, history and provide a list of options right for you.
If you think its going to be difficult meet repayments on time I would speak to the providers of the card / loans. They may well be able to help and prevent causing any further potential damage to your credit file. If you haven't already spoken to the loan provider you may find they'd roll the credit card debt in to the loan and extend the repayment term. This will mean paying back more in the long run but will reduce your monthly repayment and free up some cash each month.
If you're a home owner with equity then a Secured Loan could be another option. This type of loan is Secured against your home which means providers are less stringent with acceptance policy as the lender knows the property is there as collateral (i.e. in the same way your mortgage is).
Again if you're a home owner you could also consider re-mortgaging.
The above will be just a few of the options so I really would strongly advise you go and see an Independent Financial Advisor. They will take you through the pro's and con's of all the opptions available to you.
Take your time and don't rush into anything. If you'd like any further advice, or any questions come up along the way, then please come back to the forum - or if you prefer email me direct at paul.wilson AT moneysupermarket.com.