20 Mar 2013 6:55 PM:

Hi everyone,

Has anyone been told or heard that it is against the law in Spain for a bank to agree to a dacion en pago if you are still in employment? I thought it was purely based on ability to keep paying and if you can show you dont earn enough the bank can agree a dacion if the want....
.... when I questioned this I was told to go to the Notary office and they would say the same?. Is this right because I havent seen this mentioned anywhere?

Thanks Jo

Thread: Dacion en Pago

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08 Mar 2013 4:15 PM:

Thanks guslopez ... unfortunately my spanish is nowhere good enough to understand legal documents like this, but thanks again anyway.... its so worrying not knowing and I cant afford any help ... I will just have to wait to see what my bank says

Thanks all

Thread: Dacion en Pago

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07 Mar 2013 9:24 PM:

Maria, thank you for the info... if i understand properly unfortunately I cant sell my property for 70% so I will have to put my fate in the hands of the bank ...

Does anyone know if they will try to take my salary? Like I said I dont earn much .. think its just over minimum wage ... will they insist on this route?

What rights do I have to ask for a dacion en pago?

Also I dont blame my bank, my personal situation changed which I never imagined and also at the same time the economic situation has got so bad it has made mybproblems even worse.. my bank is not the cause, I just havent found them very helpful

Thread: Dacion en Pago

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07 Mar 2013 12:52 PM:

Sorry I have another question .... does anyone know if the bank can embargo my salary?  I dont earn much.... is there a protected amount (so I can afford to eat and look after my son) that they cannot take ?

...I have a job in Spain but I dont earn very much and the reason I cannot continue to pay my mortgage is because my husband has left... also he doesnt work in Spain and doesnt give me any money.

Thread: Dacion en Pago

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07 Mar 2013 12:41 PM:

johnzx  ... I will contact a Gestor, thank you.

Thread: De-registering a Spanish scooter

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