We bought from a UK based agent. They were paid commision as soon as we paid our 40 % in stage payments. When we visited Mojacar at the proposed time of completion, they had packed up and left without notifying any of their clients. All that was left was an empty office. We don't know how much was paid, but we are led to believe that is was a 'very worthwhile amount'.
Certainly more than enough to cover the expense of an inspection trip !!
So yes, you are quite right, they have taken their commision and run with it. There was nothing in their brochure to tell us that even if we had a bank guarantee we would still not get our money back.
With hindsight, we now know that the agent actually knew when we were buying that there would be a problem with ACC . I think that the Spanish government should not allow developers to start a new project if there are already problems with the original site, because, this has led to vast numbers of unfinished builds. Huma should have been made to sort out all of the refunds due to failure of delivery before they could open another site.
We can only imagine just how many people are in the same situation as us and how long is it all going to take through the courts. It is about time the governments stepped in and demand that developers refund their clients . Until this happens, more and more people will not consider buying in Spain because it is too risky.