01 Jul 2019 10:12 AM:

Yes, my family have been using this lawyer for about 12 years and his firm is very good.  Both my parents and myself have used his firm before to buy and sell our previous houses in Spain. When the money was handed over to the bank he got them to sign for the money confirming the payment was to pay off my mortgage.  He has kept detailed records when the bank blocked my account and when he had to intervene during the sale of the property.  The next step is start start legal action against the bank which should happen this week.

Thread: Bankia/BMN

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30 Jun 2019 10:02 PM:

Hello everyone,

I am posting the latest status up with my on going issues with Bankia.  Things have gone from bad to worse and even my Spanish lawyer is finding it difficult to deal with the Torrevieja branch of Bankia.  I have since sold my property and now my bank account has been frozen due to money laundering concerns,  the money to pay the mortgage off has been lost by the bank.

I was in the fortunate position of being able to raise enough capital to pay my Spanish mortgage off and start the process of switching banks.  After transferring the money from the UK into the bank account, Bankia blocked my account.  My lawyer who also has signatory powers contact the bank and found out what I needed to do to clear the mortgage and unblock the account.  They didn’t give home a clear answer so he suggested paying almost all the mortgage off and over the next few months it will be closed naturally.  That’s when I got a phone call that someone had made an offer on my flat which was the full asking price.

I was then advised not to pay the mortgage because it can take the bank months to sort things out, which will delay the sale.  I agreed with the management company over this point and as luck would have it, they also use the same lawyer as I do.

Over the next 10 weeks the bank blocked my account several times, normally after a deposit.  My lawyer would call them about the issues and he was told on more than one occasion that there is nothing wrong with my account.  Within the hour I could log back into my account.  It is clear than the branch is blocking my account deliberately with the only goal was to cost me more money paying my lawyer to unlock the account.

The sale went through and I was expecting the mortgage to be cleared all the utility companies to take their final payments then I could transfer the money back to the UK,  I have now emailed the bank manager twice who has ignored the emails, I have called the head office customer services who said that the account is frozen because of money laundering rules as they have no record where the money came from!!  The mortgage was not cleared and the payment from the sale of the property has not been paid in.

I no no longer have a property but I still have the mortgage and the original money I transferred from the UK has been frozen by the bank.  My lawyer has even tried to go into the bank to get this resolved and after a week he hasn’t been successful.

My lawyer and I will of course continue to take legal action against Bankia but if anyone is reading this who is a customer of Bankia then I would suggest that you change banks before you get caught like like have.

This has turned into the ultimate banking horror story which does be targeting foreigners.

Steve

 

Thread: Bankia/BMN

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31 Mar 2019 8:57 PM:

Hello,

I thought I would update everyone with my progress.  I contacted Addleshaw Goddard as suggested but they never bothered to return my call or enquire.  So, I gave up with them.  

I recieved a response from Bankia who only answered part of the compaint and ignored most of the two documented proof I had asked for the policy to be cancelled several times.  They did send me a statement of my mortgage but no information how to pay it off.  They also refunded the life insurance policy payment but still didn’t cancel the policy.  They told him that I should have given them a months notice.  Even though I sent them several examples dating back years to cancel the policy.

The told me why I had to prove who I am every two years but never answered why the branch keeps loosing this information every few months and asked me to send it. Which was what the complaint was about.  I had to email those jokers 3 times every year and they still lock my account out.

They finished the letter off by telling me.

Por todo ello, damos por concluida nuestra intervención y le informamos de que, de acuerdo con el Reglamentc para la Defends del Cliente y legislación concordante, en caso de presentar nuevos escritos por el mismo asunto se le aplicará el apartado IV del artículo 18 de nuestro reglamento, que permite la inadmisión cuando la queja o reclamación reitere otras anteriormente resueltas en relación con los mismos hechos.

Therefore, we conclude our intervention and inform you that, in accordance with the Regulation for the Defends of the Client and concordant legislation, in case of submitting new briefs for the same matter, section IV of article 18 of our regulation, which allows for inadmissibility when the complaint or claim reiterates others previously resolved in relation to the same facts.

In other words, they have chosen to answer only two points from the complaint letters and therefore they are not going to answer anymore elements from the complaint even if I raise the complaint again.

Of course, I not going to let this stop me and I now have a Spainish lawyer who will take the matter further.  I will complain again, the fact they never answered most of the original questions and tell them they I will take the matter to the Bank of Spain.  Its fraud what they did to me and they have breached E.U. banking regulations with the data breach.  Which will come with a fine.

Steve

 

 

 

Thread: Bankia/BMN

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28 Feb 2019 3:51 PM:

Hello,

Thank you everyone for your suggestions.  I have written to Addleshaw Goddard to see if they can help me and  I have raised a 3rd complaint with the bank about the policy not being cancelled and the direct debt not being stopped.  The branch have locked me out of the bank account and are refusing to talk to me via the phone. The bank manager at the branch did not respond when I challenged them about the policy issue and the fact the bank has still have not told me what the mortgage settlement figure.  I have only asked for this 5 times In writing and 2 times by the phone.

I have already raised the issue with the MEP and no one came back to me.  I guess they have bigger fish to fry with Brexit.

i will update everyone on this thread with my progress because I think the bank is doing this to other people and I have caught them out.

regards

Steve

 

 

Thread: Bankia/BMN

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27 Feb 2019 5:59 PM:

After raising several complaints with the Bankia in writing and via the phone, it is now radio silence.  All I know is they still have not cancelled the direct debit or cancelled the insurance policy after 4 written request over a month.  The branch manager refuses to respond or acknowledged emails.

I still have not been told by the branch after 6 written requests what my mortgage settlement figure is as I wish to settle and move banks.

Can anyone recommended a solicitor or what my next course of action should be.

Thanks

Thread: Bankia/BMN

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