A sincere thank you to all you regular posters who patiently repeat yourselves each time when dealing with newbies who are worried and sometimes seriously depressed at the mess their financial lives have become.
The moderators also are real treasures and I feel that sometimes, due to our personal circumstances and the stress we're experiencing, we sometimes neglect to say thank you to you for your help and expert advice.
I've referred to this site for each stage of my bankruptcy and am now after 5 years intending to return to the UK (as work is scarce on the ground in France) and see if I can manage to get a UK bank account etc. and resume my life in the UK
No doubt I will be once again using this site for reference and help, so boy am I glad there are people like you who generously give up your valuable time to help us