Mooly, I used to work for HBOS bad debt. A couple of tips which will help. Do a proper income/expenditure and list everything you pay for (including fuel, haircuts, shopping etc)
Prioritise your bills. Mortgage, utilities etc.
Contact your credit card company/ loan company. They really will listen and want to help. They will do a reschedule on your loans and offer you smaller payments over a longer period. They should also halt any interest on your accounts. They will just want the debts paid.
You seem to have a good income, and by acting early you can sort things out now.
Oh, and don’t stop paying into your pension.