Thank you everyone for your helpful replies - at least I have a better idea of what we face if we go back to the UK. Kallis, we don't have much choice about where we move to, we move wherever my husband's company tell us to! At the moment, moving back is a possibility but we don't know yet, we're wa...

Hi everyone, you are all so kind and helpful on this site. I hope someone can help me We started an IVA four years ago, but we moved abroad and eventually couldn’t keep up with the payments. The IVA failed after one year, and our creditors voted on not applying for bankruptcy, because of our locatio...