Alibaby- It probably is worth it but I don't think I have it in me, have just spoken to DF who is alot more laid back about it than I am, which has made me eve more upset because I feel like he is ignoring the fact that it is going to take us 5 years to pay this off and these people won't be happy till the debt is gone...
Hun if you are in a position to agree to repaying a certain amount every week/fortnight and they agree to it and you stick with your repayment schedule they shouldn't continue to hound you or come chasing you. So long as you stick to your side of the bargain they should be happy.