Thanks ashmk, I appreciate that this forum is not for debt avoidance, I left the UK to set up a business, the business was not successful so I could not repay the mortgage in the UK once the tenants stopped paying the rent hence the repossession and CCJ. Due to the difficulties with the business abroad I ended up taking more credit abroad. I can return to the UK and service the debt abroad. I am assuming that you would not advise that I return to the UK and contact all creditors on landing to explain that I have returned to the UK. As when people launch a Ltd liability company, I am trying to set up my new UK life with limited liability. The worst case scenario is that I return to the UK with my possessions, rent a house, buy a car, put the kids into school and 4-6 weeks down the line I get a bailiff at the door relieving me of the car and all contents of my rented property.