Hi Melanie, Thanks for your reply. No, I certainly don't miss the British weather, although it does get a little too hot over here in the summer months, even the sea water is too hot to swim in! I have my mother in the UK and the majority of my post goes to her address and she then forwards it on to...

Hi,

I have loans with UK and Channel Islands banks but am currently resident in the UAE due to work reasons.

Can I still apply for an IVA even though I am not UK resident?

Many thanks,
EMily