Re R85: I did say it isn't kosher :-) As for a UK postcode, obviously you'd use the same address you gave the bank. Yes, there's a (small) risk of being found out, although it's not clear what would happen if you were - after all you've not evaded any tax, you're not liable for any anyway.

Anyway, the reason for mentioning R85 is that I know of numerous expats who filed R105s when they moved abroad and were promptly told by their lifelong UK banks that they could no longer keep their accounts, and were referred to the bank's offshore subsidiary. I don't remember if Nationwide or Smile were amongst them, probably not by what you say, but the list is long....

safeoffshoreaccounts.com doesn't ask for your email address (or any other info for that matter) so you won't get any spam from that -- but I think I know the "free offshore savings report" you're talking about! :-) (Found in a google ad, yes?)

There are email services, like BT/Yahoo, which let you set up disposable email addresses, i.e. an address that comes to your email but isn't your main email address, which I find very useful for giving to such sites. You set up a disposable address for giving to the site, and if you start getting spam to it you simply dispose of that address, and the rest of your email is unaffected.

Re Landsbanki Guernsey situation: no change. Yes, we got back 30% last November, and have been told to expect another 15-25% later this year, but also told that we'll most likely only get 70-80% back in total in the end, and that it'll probably take another 3-4 years for that to happen :-(

The KSF IOM depositors voted for liquidation. I'm not in KSF IOM, so don't know much more myself, but the aforementioned site has links to news reports etc on that.