I caught a virus in Oct 19, symptoms exactly like Covid. After this I experienced long term exhaustion and was diagnosed with ME in Mar 20. I tried to return to work in May 20, but after 6 weeks on supported phased return I had to use holiday to make up hours. The combination of stress, Covid restrictions and trying to work more hours made me ill. I went back off sick and was retired due to ill health in Sep 20 after 25 years of service. I do have a small work pension, but will not qualify for state pension for 3 years, so I cannot afford my mortgage. I have to sell my family home and my mortgage debt is meanwhile increasing.