I agree with the members comments and suggestions above Rona. For you to avoid long term disappointments as well as your husband then you must leave the UK and start all over again.

That is the only way you can get round it. You have broken the law already and now it is putting pressure to you and to your husband especially in financial terms. If you don't want that to get worse and save your marriage then you know what is the best thing to do.

No one can assure you that when you leave the UK, you will get approval for visa but, as you say, they might forgive you because you are married to a British citizen.

Think twice or more, think advance and think about you and your husband's future.