Thanks Tricia.
I have followed the links and read all the articles - it is all becoming so complicated! I think tomorrow I will make some enquiries re. a Nationwide Flex account which sounds pretty good but I am wondering whether we will be able to set up direct debits/standing orders to pay things like water/electricity etc.
I also received another email from Pedro saying that actually as long as you take with you : passport, property deeds, confirmation of UK address etc and go along to the Town Hall it should be quite straight forward to obtain the certificate of non residency.
We have until September to try and get something sorted out but actually that is not that far away! I think I wll get onto Juan tomorrow to see if he has any suggestions.
Best wishes,
Pauline