Hola!
What have you been doing? UK based companies have been hiring for offshore copilots whole 2014 and more.
Have you applied to all, especially Bond?
You have CPL and Lots of Twin IR sim and flight training. Must've been expensive total course cost.
Ps: ingles - loan (credito), make a mistake.
DO NOT let your IR lapse. Try to renew it only in SIM. Else it'd cost you much more later.