09 Mar 2018 11:26 PM:

Do you know what floella, I think you should just quit before you dig your hole even deeper. I know there are no experts on here, what I was hoping for was some constructive ideas from people living in Spain who have experience with the Spanish system, speak English and may give me some ideas that may help me. Quite frankly, the only troll on here has been yourself with acer coming a close second, by the way funnily enough a couple of years ago my Father did actually tell me he wasn't my Father but his twin Brother and he had come to help my Dad escape, this was when he was in Hospital with his Bi-Polar, maybe the bank got wind of this. acer you talk double dutch and make no sense whatsoever, you seem to just throw in random comments with no substance whatsoever, I think you should just stop as well.
To everybody else, I appreciate your comments and advice, to be honest I was hoping somebody had come across this "certificate" issue before and may point me in the right direction, however it seems nobody has.
hugh_man, thank you for your support, however I do hope your team lose tomorrow against mine.
Also to Kavanagh, thanks for posting the address of the London branch of Caixa bank, I will be calling them next week to see if they can help me sort this out.
Generally to (nearly) everybody thank you for all you comments I hope I can get this sorted soon, for such a relatively small amount  it is now more the principle that I want this to get paid out, it is obvious the bank is putting any obstruction they can in the way to prevent paying out. This behaviour would simply not be tolerated in the UK with regulators and ombudsmans ready to step in and sort it out. Thanks all.

Thread: La Caixa refusing to pay out on life insurance.

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

09 Mar 2018 4:43 PM:

floella, enlighten me, you say the lawyer (solicitor) and the bank have explained how to resolve the problem, how do I resolve the problem, what advice am I unable or refuse to undertake?

Something amiss? Why am I asking unknown people on a Spanish Banks Forum? 
Do you actually read what you write?

Thread: La Caixa refusing to pay out on life insurance.

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

09 Mar 2018 3:55 PM:

Well what a condescending pair you are, my Mother should have made a will, communicate properly, draw a line under it, brilliant advice. For your information acer as I know you probably still havent read my initial post properly, I have had no direct contact with the bank, it has all been done through my Spanish solicitors, who believe it or not actually speak Spanish. If you honestly think that the bank has no blame in this and they are not trying everything to prevent paying  out, then you are deluded.
 

Thread: La Caixa refusing to pay out on life insurance.

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

09 Mar 2018 12:35 PM:

Ok Guys, I don't want to get into arguments about this, I don't live in Spain so have no comments.

I will try and clear a few things up, acer I don't really know where your comment:  "You have to view the situation from La Caixa's viewpoint - they have asked for a "un certificado de titularidad de la cuenta corriente" which you have not provided.  You have then tried to bully them and involved a solicitor, but still not provided a "un certificado de titularidad de la cuenta corriente ".   came from, you obviously havent read the post properly. I will reiterate a few things and add a few.

Solicitors where involved from the start because my Mother hadn't written a will so I believe under spanish law in this case proceeds form the insurance policy go to the state.
We involved the solicitor to get the necessary paperwork so that the proceeds could be passed to my Father, my original post listed all the paperwork, translations etc we have had to pay for, every time we provided something, the bank then seemed to ask for something else. Finally after 2 years the bank agreed to pay out and asked us for details of where to pay the proceeds, we provided them with my Fathers bank account details in the UK and this is when they then asked for the "Certificate" so as the UK banks do not have this particular document, we sent bank statements and a letter from the branch manager to confirm they dont have that document in the UK and that indeed my father was the account holder. This is still not enough and they are refusing to pay out unless we provide this non existent "certificate" 
Another point is that my Father still has a bank card for the bank, we asked the bank to check if his account is still open so the proceeds could be paid into that, we sent them an image of the card, however they said they could not tell us if the account was still open as we have to provide the account number, unfortunately in the 2 years and my Father moving we cant find any paperwork with this on, so the bank knows his name, knows his spanish address has his card details but still cant tell us if his account is still open.
Finally as to my Father going over, he is 83 years old, has Bi-Polar and would not be able to travel on his own, which would mean somebody else going with him, a costly exercise with still no guarantee of receiving the funds.

 

This message was last edited by keeno65 on 09/03/2018.
Thread: La Caixa refusing to pay out on life insurance.

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

06 Mar 2018 11:12 AM:

Hi everyone, I hope somebody may be able to help me here. I will tell the story very quickly and if you need any more detail to help me please ask.
My Mother and Father moved to Fuerteventura in 2000, in April 2015 my Mother passed away.
She had a life insurance with La Caixa bank, because my Mother had not written a will they refused to pay out so we got a solicitor involved, the insurance was only for 6000 euros, just enough to pay for funeral costs.
My Father came back to the UK to live after the funeral and myself and my Sister have been dealing with the solicitors.

We have paid out for the following items over the years

certificado últimas voluntades a Madrid tasa                         3,70 €
petición por MRW                                                                  17,03 €
envio por MRW                                                                      25,00 €
certificado de seguro de vida                                                 3,70 €
notario declaracion de herederos abintestato (2 testigos)       273,20 €
notario aceptacion de herencia                                                200,00 €
impuesto de sucesiones                                                           0,00 €
peticion por MRW                                                                  42,50 €
envio por MRW                                                                      23,56 €
poder POA                                                                              59,53 €
certificado derecho inglés                                                       300,50 €
traduccion tres certificados de familia                                    160,50 €
traduccion certificado de derecho inglés                                85,60 € 
Total                                                                                    1.194,82 €             

Abogado / Lawyers fees                                                         1.498,00 €

After all of this the bank agreed to pay out once we had provided them with "un certificado de titularidad de la cuenta corriente"  for my Fathers UK bank account.
We believe this translates to Certificate of Ownership of the current account this does not exist in the UK and dsespite sending bank statements and even a signed letter from the bank saying the account belonged to my Father they are still refusing to pay, I think the Solicitor has also now given up as they are not responding to any emails.
The last bit of advice they gace was that my Father should fly out to Fuerteventura and open up a bank account !

I know its not a huge amount of money but it is the principle now, the bank is obviously finding any excuse not to pay out so any help or advice would be greatly appreciated.

Mark

 

Thread: La Caixa refusing to pay out on life insurance.

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