I think you will miss the old 65 rule, you might be borderline, I was expecting 65 but they changed the rules recently
http://www.direct.gov.uk/en/Pensions...ion/DG_4017919
from 2018 they increase the age to 66

it applies if you were born between 6 April 1953 and 5 April 1960.
I can well understand that you never got round to getting a pension under the circumstances. Me I have a little saved but it's not going to be enough to retire on early, lost my business and home the other year so I can sympathise a lot :(