Hello shalet, welcome here to the forum.
I merged your 2 posts as they were essentially the same. Hope that's OK
Firstly, what is your current immigration status in terms of UK?
The answers to your questions rely totally on this.
You were in UK for 3 years but you have not mentioned what, if any, visa's you held or acquired.
If you reached ILR stage (Indefinite Leave to Remain) it may still be valid.
If you have no valid entry clearance to UK, then I'm afraid you'll not be able to secure any sort of settlement route without the major input of your husband as sponsor.
Without employment with a gross annual income of £18,600 your husband will be unable to sponsor you.
If you're thinking of settlement route visaIt's not good news I'm afraid.
If you