Long story short we regretably fell into arrears on our mortgage due to unemployment. Both back working and keen to get our mortgage account back on track. We've paid €1000 pm since our return to full employment 5 yrs ago but in negative equity.Bank proposes capitalisation and term extension of €1600 pm which i feel we cant afford. Pip has suggested a Personal Insolvency Arrangement but im worried what happens if its not approved. Really stressed and beginning to affect our health.. Anyone been through similar ?