alpha1:Thanks for your advice I have no intention to default on my monthly commitments of paying my loan I just want to continue with the payments when I get home. I have heard all sorts that if you dont settle then you cant leave the country, if I am out of a job then I cant pay back my company can can say your finished at the end of my notice that I have given them and then I cant start my new job coz I cant leave here or so people say.