No plans to return other than visting friends and family though more likely we'll be in Europe (and a few years away at that)

Hi Michael I prefer to keep the two countries separate if possible. I have a nice clean credit record here and want to keep it that way. We have no credit cards or loans here and will keep it that way (with the exception of a mortgage at some stage). I will at least investigate the option rather tha...

Thanks Fergiedoggy and Kallis3 We would do it all wrapped up together (and DMP is joint, no ex's involved). Either way, do it in a way that clears it all once and for all[:) We have time as the DMP will take care of things for a while (not been officially accepted yet) and give creditors time to sen...

Hi I've moved back to Australia after 8 years in the UK (not to escape debt in case that is your initial thought) I have debts of 48k American Express 9300 (mine) Cahoot 19000 (joint) Natwest Personal Loan 12700 (Joint) Natwest Mastercard 6600 (mine) None of it secured Plus a house in the UK being r...