Generally speaking you cannot access your pension fund before age 55 and then the maximum you can draw is 25% of the fund value at that time. The day you retire and transfer your pension fund into an income you’ll get the chance to take up that 25% out in cash, tax free.

Sorry once it's in, you can't take money out of a pension until you are aged 55 even with a SIPP.

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As said generally speaking you cant access your pension once its in. However you can go for those “pension release schemes” also referred to as unlocking, liberating or releasing funds tax free schemes. There is a high chance that these are scams run by illegitimate firms , illegal/or offshore. Besides the schemes are not for someone in a cash hurry; Sadly if you want your money quickly then pension release might disappoint you. Please please read the attached articles about the Early pension scheme , hope you can make a good decision from this:

BBC article:

http://www.bbc.co.uk/news/business-17163832

The Pensions Regulator’s fact sheet on pension liberation:
http://www.thepensionsregulator.gov.uk/regulate-and-enforce/pension-liberation.aspx

The FSA’s warning on early release pension schemes:
http://www.fsa.gov.uk/Pages/consumerinformation/scamsandswindles/latest/early-release-pension-schemes.shtml

However if you intend to go ahead with such a scheme the best place to start is to chat with your pension provide. Those schemes hugely depend on the pension provider to release the funds and from what I hear this can take even upto couple months depending on your pension fund provider. Hence best place to call is your pension provider.

I hope this clarifies your question. Im happy to clarify any further points. Im also available for any other tax matters that may not be related to this. If you are satisfied, could you please revise the rating to a positive feedback and that would be greatly appreciated. If not completely satisfied, prior to leaving feedback, please get back to me and I will do whatever it takes as negative ratings affects my account badly.

In addition to my comments above, if you are really in need of paying off debts using your pension and to invest in a private company (per your other question) using your pension, one legal way is to consider to transfer your pension to an offshore retirement trust like Guernsey or Jersey International Retirement Annuity Trust (RAT). The scheme is a SIPP but is far more flexible. You choose your own trustees (at least 2 professionals- even your friends who are well versed in finance or use a guernsey company as trustee) and you make rules on what to invest which can include that you borrow from the pension (at reasonable rates), invest in a private company, etc. There are ofcourse general guidelines by that taxman such as what percentage you can invest, borrow etc. But thats a good alternative and if you need help on this i can help as i used to work in Channel Islands and have set up a couple of Retirement Annuity Trusts. However you may still need to consider the risks of managing your Retirement funds by yourself and the risk of the private company failing.