As previously posted, most recent precedents from Magistrates' Court state that the lack of an individual guarantee doesn't prevent the purchaser to claim the refund to the Bank or Insurance Company, as the builder's failure to deliver a guarantee is not enforceable against the purchaser, whose rights are protected by a mandatory law (57/68 Act) and cannot be waived. Therefore purchasers in Residencial Secuoya are entitled to claim to the Bank the refund of the deposit, plus legal interest, on the generic guarantee basis.