I sympathise with not being able to save underwater, brett25. But I have also read here that you shouldn't do this.
Escaping from multiple escorts often takes hours. And using TC makes it A LOT easier for them to detect you. (My biggest gripe about the game) So it's a BIG drawback to this game if you can't save while submerged as you may have to be down there for 12 hours or more!
I can just pause and leave the game for as long as I like - but understandable that not everyone is able to do this.
Maybe there is another reason for your problems though and someone can help you with it. I hope you are able to get it sorted. We need more good skippers in the Atlantic