Thank you for your query.
I have sympathy for you in the way your case has been handled.
For you to return to the UK, you will have to make an entry clearance application under Appendix FM of the Immigration Rules. https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-fm-family-members
In support of this application, you have to provide evidence that you are in a genuine and subsisting relationship, pass the English language requirement, obtain a TB certificate, have accommodation in the UK and meet the financial requirement.
You state that you have over £62,500 in savings. I recommend that you read the Home Office guidance which confirms what evidence you need to provide to them: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/525708/Appendix_FM_1_7_Financial_Requirement.pdf
Please see page 49 of the above guidance.
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Thank you for your question.
Yes, you will have re-apply just like you did in 2005.
As you previously held ILR, if you have been absent for more than two years your leave lapses. Please see the Home Office website: https://www.gov.uk/government/publications/returning-residents-set09/returning-residents-set-09
What you could do is apply for a spouse visa while you both remain in abroad and wait for your application to be approved, subject to ensuring that you meet the requirements set out in Appendix FM of the Immigration, and then travel together to the UK.
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