“I have had 4 views from solicitors in Spain 3 said the dept would end in Spain with one saying it could be chased as long as its in Europe but felt it would need to be fair amount of shortfall.”
I have the same view as the 3 solicitors you mentioned.
Banks will not have time and will not spend the resources chasing many thousand foreigners who will give the keys back. They will never be able to chase Romanians, Russians or Chinese who do that. They might be able to chase Brits or Germans, but
I suppose most of these will simply declare bankruptcy before giving back any money oned in Spain.
The only thing they can do is to learn a lesson…