With no disrespect to anyone, I always find that on matters like these you get so much (scary) advice and feedback that you enter into a form of decision paralysis.
I don’t think I'd ever have moved had I read this beforehand.
Because of our ages payment holidays, going interest free for a period or extending the term aren't options unfortunately. We'd only have less time to pay off the same amount, thereby just delaying, or increasing, the pain
You're making an assumption that i can afford to do pay this. I can't. We were already falling into debt beforehand at a relatively slow rate, and now this will hasten rapidly, quite possibly spiralling out of control. The question is will my debts be called in before i have a solution to pay...
no, afraid i have not. However i cannot be the only person to have had a whiff of nostalgia to have a thread started by BG at the top of page 1 once more.