Thanks for the replies.
I need to look in to the dates, my Wife could have been driving as it was around that time that she was waiting on her new car, but as I say I need to check.
In terms of exceptional hardship...
Loss of job.
I am in considerable debt that the job allows me to service, however without it I may need to go bankrupt or similar - Need to look into this.
My recently widowed Mother-in-law is cared for by my Wife, not in a full time capacity but she needs to visit her most evenings to organise medication etc. Her job means so overnight travel, so where that does happen I provide that care and there is no other reliable alternative.
My teenage Granddaughter is an Athlete who competes on a national level, I am the only family member who can driver her to her pre & post school sessions, without which she would have to stop competing.
I'm of an age where being re-employed from a unemployed basis, may not attract the same kind of salary, so the chance of me being able to service the debt I mention previously could be a non-starter even if I do obtain future employment.
Hopefully this adds some colour to my enquire.
Thanks Again.