Cashing in pensions while still working

[Boogirlgirl]

Hi I have no idea where to start so...
Will be 55 next month and can access a couple of pension pots...one is approx £14k lump sum plus about £450 per month and another is £7k lump sum only..was planning on continuing to work and I earn about £32k per annum.
I really want to cash these in to pay off some debt and to do up the house ( i will still have another, main pension pot which i wont touch until im 65).
Does anyone know how this works, what tax I would pay for instance?
Would I pay tax on the monthly 450 and would I pay tax on both the 7k and the 14k pot separately or together and would my salary factor in...apologies, I have no idea where to start.

You would pay tax on the monthly income and your salary added together. Lump sums may be tax free but depends.

Get yourself over to the Money SavingExpert pension board. They know the questions to ask.
https://forums.moneysavingexpert.com/categories/pensions-annuities-retirement-planning

But don't forget you're depleting your pension pot - can you build it up again ?