Spain suspends house evictions for two years

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27 Nov 2012 12:22 PM by moncapitan Star rating in South by South West. 117 posts Send private message

 eggcup

i think we are suffering from the biggest leadership vacuum the world has ever known.

im optimistic that capitalism will not fail completely, but those living off government handouts could be in for a very hard landing when the house of cards collapse (debt=money).

worryingly, more and more people are going to retire in absolute poverty because they belived the government would look after them when they got older, yet with the UK in so much debt, this will never be possible.

 



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27 Nov 2012 12:25 PM by evento Star rating. 33 posts Send private message

Yes Eggcup, we do need a few of those special people, but they have a habit of coming to a sticky end, so no one has the courage to step out of line.

 





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28 Nov 2012 12:10 AM by mac75 Star rating in Valencia. 415 posts Send private message

mac75´s avatar

Its the same new release in all the papers, the data came from an interview with Sonia Olea, the coordinator of the caritas campaign for homeless people, it reads :

"Casi tres millones de personas en España viven en alguna de las situaciones sin hogar que supone estar "puramente en la calle o tener una vivienda indigna", según ha alertado la responsable de Personas sin Hogar de Cáritas Española y coordinadora de la campaña de Personas Sin Hogar 2012, Sonia Olea.  

Durante la presentación de este plan, en el día en que se celebra el Día Mundial de las Personas sin Hogar, Olea ha indicado además que mediante el cruce de datos procedentes del Instituto Nacional de Estadística (INE) del año 2004 y con cifras internas "se puede hablar de entre 30.000 y 35.000 personas que viven puramente en la calle" a nivel estatal. No obstante, si además se tienen en cuenta las personas que viven en viviendas indignas como chabolas o similares, la cifra asciende a casi tres millones.  Se trata de gente que ha vivido un proceso de pérdida, ya sea de empleo o de relaciones familiares .

En cuanto al conjunto de personas sin hogar, la responsable de Cáritas ha recordado que "las personas sin hogar, que no tienen acceso a sus derechos, son personas sin derecho a la dignidad y sin dignidad no pueden encontrarse con ellos mismos e iniciar un camino que quedado totalmente destrozado y parado".



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28 Nov 2012 8:26 AM by moncapitan Star rating in South by South West. 117 posts Send private message

 thanks Mac75.

latest news from Spain is the implosion continues, Retail sales plunge 9.7%



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28 Nov 2012 9:02 AM by eggcup Star rating. 567 posts Send private message

I wonder how much the level of homelessness as defined using the current broad definitions has actually increased.  There have always been loads of Spaniards living in sub-standard accommodation.  In my village in Spain a bloke has lived in his ramshackle tin shack ever since I've known him and in the town where I previously lived there were stacks of what people called 'gitanos' living in very messy-looking places, probably without all the necessary amenities.  There are also the usual 'new age travellers' always about, who seem to have chosen their lifestyle often, and would also be defined as homeless (I don't think their numbers would be great though). There was also a whole area of town where they didn't seem to have inside loos and urinated in the streets.  I've also rented some very inadequate accommodation in my time where the electrics definitely would have failed any inspection.  So, my question is: what has changed?  Who are the new 'homeless' as opposed to people who have lived in these conditions for years? 



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28 Nov 2012 9:16 AM by johnzx Star rating in Spain. 5242 posts Send private message

I thought this might be of interest:-  

 
 
The assistance, announced with a fanfare by the Government after a series of suicides,  to help families in danger of being evicted from their homes for non-payment of mortgages, is for many turning into a saga.
 
The measure involves suspension of the eviction threat for two years; however, the banks will continue to add interest, including the punitive interest for delayed payments, and after the two years, borrowers may face a demand to pay all the accumulated interest in one go. The net result of the ‘assistance’ could amount to a 43.4% increase on the original loan.
 
There are 621,000 families in Spain in danger of being evicted.





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28 Nov 2012 9:20 AM by moncapitan Star rating in South by South West. 117 posts Send private message

 thanks John.  as Regan said, the most dreaded words are "Im from the Government and Im here to help".

It certainly makes sense for those who cannot pay the mortgage to make a deal with the bank to repudiate the loan and move into rented accomodation.

What are the bankruptcy laws like in Spain?

Can the Spanish who get left with negative equity just declare bankrupt easily in Spain or even avail of the UK's favourable bankruptcy laws like the Irish do?



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28 Nov 2012 10:29 AM by evento Star rating. 33 posts Send private message

That is the major problem in Spain, you cannot hand the keys back and walk away.In most cases the Bank will not allow this, hence the dire situation for a great many people. The debt keeps increasing and the property they bought keeps declining in value.





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28 Nov 2012 10:32 AM by moncapitan Star rating in South by South West. 117 posts Send private message

evento

it was not a problem when these people borrowed the money.  they were adults and went into this with their eyes wide open.

in many cases, they thought they were making such a smart move that they were going to get rich without any effort.



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28 Nov 2012 10:38 AM by evento Star rating. 33 posts Send private message

Moncapitain ...... You change like the wind. One day it is the Bank´s fault then the next is the Feckless people.

Make your mind up.





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28 Nov 2012 10:40 AM by moncapitan Star rating in South by South West. 117 posts Send private message

 i concur, it is everyone's fault.



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28 Nov 2012 1:18 PM by mac75 Star rating in Valencia. 415 posts Send private message

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 There is no bankruptcy law for individuals. Certain debts will disappear over time if they are not persued but a mortgage debt will never disappear. Only limited companies can claim "bankruptcy".



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28 Nov 2012 1:32 PM by evento Star rating. 33 posts Send private message

Thank you for that Mac.

 





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