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Mastech

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11 Aug 2009 12:00 AM:

We purchased our property (an apartment within a block) through a Barclays Mortgage and at the time were sold a Mapfre Buildings INsurance policy for the first year.  We were unaware that this was set up as a direct debit for the following year to automatically renew the buildings insurance.  Our Community Administrators informed us that our community fees included a portion for buildings insurance and gave us the name of an agent selling through Mapfre who could work out how much our insurance premium would be as a top up.  We were saving a great deal of money (approximately 100 euros).  We explained that the policy had been automatically renewed the month previously and were told  that we would receive a refund of the overpaid amount.   He sent us a copy of the Community Policy which we had to sign and send to Barclays for them to attach to our mortgage.  As the latter policy was also with Mapfre we thought there would be no problem.  However it now transpires through Barclays that Mapfre are refusing to refund the money, although I think it might be Barclays who are refusing to refund as they received the commission originally.  So we have ended up paying for buildings insurance twice on the property through different agents to Mapfre.  It seems that nobody wants to loose their commission.  Can Mapfre legally refuse to refund?  Is there a Consumers Association that can sort this out for us?  We have been arguing the point for 4 months now.  We initially wrote to Mapfre through their contact page and received no acknowledgement.  Would appreciate any information on the best way of approaching this.

 

 



Thread: Building Insurance wiht Mapfre

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01 Mar 2008 11:38 AM:

Hi
CAM have been pretty good at listing all the fees and details, which I have found very helpful.  There is no mention of management fee though.  Do you have any experience of being charged this?  Be grateful for further info and how to stop this from happening.
Thanks.

Thread: Due to Complete and at a loss to know which way to turn

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28 Feb 2008 12:00 AM:

Would be grateful for some advice.  I've been trying to read through everything but time is running out and I'm not even sure I can get a mortgage arranged before completion now which is due on March 27th.  Just don't know which way to turn.  Bought off plan two years ago from Polaris World.  We had a small amount of money to invest which was to help towards a pension.  Everything looked rosey in 2005.  The idea was to hold on to the property for a few years and rent out then sell.  Gone through lots of options on mortgages but really not sure what the best option would be.  Didn't realise there would be a redemption fee.  Been trying to find a product without but there doesn't seem to be anything around now with interest only option and no redemption fee.  Only have a few days now to say if we want to go with the Builder's Mortgage option.  Do I still have time?  Was originally told only needed to add on 10% to purchase price or property but finding it all a lot more expensive.   Already have a flexible mortgage in UK but as the £ is not good against the euro fear it will be a bad move.  Also will loose out on Spanish Tax allowance, I think. Please can someone help before I sink!!!!

Thread: Due to Complete and at a loss to know which way to turn

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07 Feb 2008 7:25 AM:

Hi

Just going through the same process and feeling like you at the moment. with completion in March.   Just wondered if your purchase has moved forward now to completion and what decision you made.  We are buying on Polaris World Golf  Hacienda Riquelme in CostaCalida and like you wonder if we have done the right thing.  Was relying on rental but concerned about the number of golf resoirts popping up.  Do that many people play golf?  Has anyone tried to sell through this site and been successful?  Any other suggestions for advertising?

Thread: SHOULD I COMPLETE ..your views please

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