13 Apr 2007 8:42 PM:

This is really bad...Unfortunately you hear about it all the time.The banks tell you real shocking stories... I heard a very similar story to Smiley's ( from a lawyer this time) about 1 month ago. Apparently the bank knew it from the very beginning but said nothing. The area manager of  the bank turned up at the signing & you can imagine the rest... A Big mess! Banks are certainly more aware of these practices and are fighting agains them... so this is good news! I even heard about clients presenting fake passports. So imagine, the client wasn't even the client... 

Having said this, I saw a very interesting programme the other day on TV about an undercover journalist obtaining 20 fake passports in the EU! It was on Spanish TV but the programme was from the BBC.  It was shown on Panorama I think...The repporter travelled through Europe & was able to obtain 22 fake or stolen passports...!!! I mean what can you say about this... ? I recommend watching it. It was exellent. A very brave repporter too as she had to deal with all sorts of dodgy people...

marta@easy2loan.com

Thread: FRAUDULENT MORTGAGE BROKER NICKED AT NOTARY

--------------------------------------

13 Apr 2007 1:36 PM:

The problem with arse kicking face to face ( don't get me wrong, I believe it 's brilliant) is that you will see an initial response but experiece tells me that problem will probably continue... And do you want to have a lawyer in Spain who is completely useless?

 There are many proffessional lawyers around who are willing to give a good service & provide you with refferences of their clients. My advice is that if you are not getting a good service, you must definately change. Or at least I wouldn't put up with it...If you happen to put a denuncia to the Colegio de abogados make sure you change lawyers beforehand!

Anyway good luck.!

Thread: How to give your Spanish Lawyer a kick up the @

--------------------------------------

12 Apr 2007 7:56 PM:

TECHAPE: Have you paid them all of the fees... or only 0,5%? If you still owe them money then u can change lawyers... & see whether the new ones will charge you only 0.5%. ...humm.. only an idea..  This will annoy your old lawyers. You can also make a complaint to El colegio de abogados... Anyway off to see the football.. getting interesting!   XX

Thread: How to give your Spanish Lawyer a kick up the @

--------------------------------------

12 Apr 2007 2:55 PM:

Hello Sharon! Sorry it was late last night & being new to the forum it's difficult to catch up with all the comments ...had no idea that they were talling about a self.cert. Yes that mortgage does exist but definately not at Euribor +2!! Euribor +1.75 is more like it. But I do you agree with you in that it is very popular. It makes me very happy to see that banks in Spain are slowly beginning to change & offer more innovative products! It is easier to work this way... Marta xx

marta@easy2loan.com

 

Thread: Malcolm

--------------------------------------

11 Apr 2007 9:51 PM:

Hi there! I TOTALLY agree with Rixxy.  Find yourself a good mortgage advisor! We can be of great help. In my personal opinion there is no need for the broker to charge the client any fee either as banks already pay good commissions. However I totally respect those brokers who do...

A 60% mortgage enables you to have very low & competitive rates. Banks favour these mortgages as the risk here is much lower for them. Euribor +2 is a horredous rate! It depends on what you are looking for, but for borrowing this percentage you can have a rate as low as Euribor + 0.68 for a non resident mortgage.

Also watch arrangement fees... A standard arrangement fee is 1%. No more should be charged.

marta@easy2loan.com

Thread: Malcolm

--------------------------------------