Hi Donna Our situations are almost identical in terms of arriving in 2012 & the principal being almost the same. I am heading home soon with my family for a holiday & don't want to risk being stopped on my departure. As I have received no letters, I have no idea how much I owe. Before I ring IRD I was hoping you could give some indication of the amounts you are expected to pay back & how. I did try to send you a private message but the website would not allow me. It would be great to correspond/chat. Katie.