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19 May 2012 7:07 AM:

The Spanish banks still aren't learning much. We've just had 75€ taken from our account in ´management fees' and 'commission' with no notice as usual. On top of that, having suffered like so many others from the poor exchange rate for the last 3 or 4 years, we asked if the bank could help out at all, maybe with a period of interest-only repayments.

Of course we can, said the manageress. Of course, there will be a charge. About 600€ for notary and 'management' fees to change the mortgage, a house valuation and credit check and proof of income are also required. Oh yes, and they will add 2.25% to our current interest rate.

And you guessed it, another 600€ when we switch back to normal repayments. Oh, and the extra 2.25% on the interest rate would remain for ever.

I haven't stopped laughing yet. They actually thought they were doing us a favour! We'll find the money somehow to carry on with the payments.

Unlike other posters (and the bank manageress) I think that Spain will have no choice but to leave the Euro once the true scope of the banks' deceit and toxic debt comes to light.



Thread: The future for ex pats

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