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08 Aug 2015 9:59 AM:

My retired aunt and uncle who I think are the most honest and caring people in this universe, bought an apartment last year, they live in UK, their UK bank recommended they use their international department who offered free transfers, the money came from their hard earned savings in their UK bank account, they transferred it to International, international transforred it to the owners bank to pay for the apartment, because of Cajamar delays they had to go to another branch to collect cash to pay the solicitor and notary etc because there was not the time for the transfers to arrive on the Notary day, of course they gave Cajamar copies of the transfers.   In March this year they were asked to prove where the funds cam from in the UK, they did so and did not hear another word.   This week they were asked again, they sent them again to Cajamar Bank, they received a reply from CAJAMAR Bank saying they were closing their account and refused to give a reason.   My uncle contacted their UK bank who ran a check on their account, nothing, they were totally confused, he then contacted the UK bank  international dept who told him they have other clients who Cajamar Bank has closed their account.   My aunt and uncle do not live in Spain their pensions are paid in the UK, they keep only sufficient funds to pay the DD, neither of them can use computers and they have constanmtly asked Cajamar for Bank statements, they were concerned about insuffient funds because their bills are estimated.   My aunt is really upset she sayd they have made her feel like a criminal - which they are not.   Anyone else heard of this



Thread: CAJAMAR BANK CLOSING PENSIONERS BANK ACCOUNT

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13 Feb 2012 12:00 AM:

Does anyone know if the legalising of the illegal properties has taken placed yet?   I mentioned some time ago some pensioners who unbeknown to themselves  bought houses which were granted a NAVE licence, their abogado did not tell them, they had bought the land, the land owner/seller arranged a builder to construct houses to their own design with all necessary permission.   Their abogado has been asked several times for the copy of the planning permission which he retained, the abogado claims he does not have the copy of the planning permision, surely he would have checked it during the legal process which he was paid a min of 8000 euro per propert for!

Some of the neighbours who live there full time were denounced almost 3 years ago by the town hall for illegal build,  they were all told they had permission to build a house, when they learned they had permission for a storage warehouse they were stunned, BUT under the legalising laws and given the houses have been erected now for about 8 years, can the town hall near Albox but not under their jurisdiction . demolish their homes?



Thread: habitation licence

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28 Aug 2011 6:54 PM:

Dear Orinoco

Please thank your wife, it is appreciated, I am unfamiliar with these sites and am rather confused that it has been suggested this is a scam I can assure you it is not, they have all been denounced all 15 of them I read the document today, because they built houses without permission, the estate agent told them all they would deal with applying for the documents, in one of their files I discovered an additional bill from the builder for their building permission!   

The lawyer has charged them 450 euro for the architect to provide a certificate of antique because, yet they all paid the architect direct too,  the houses were built in 2004, but as mentioned some are on the ramblica.   However the chap who paid the town hall 500 euro for his habitiation licence because he thought that was the procedure, I am waiting to find out if he was denounced also.   I wrote to the site to try and get ideas I did not do so to set up a fund or arrange a scam and benefit personally.   I offered to help these people and am stunned at my findings, I mentioned in the beginning the fees the lawyer charged and I have copies received today.   One other thing learned today, they were charged by the lawyer 4000 for electric connecting, yet their is not an endessa bill in sight.

Therefor those of you who have put me into the fibber and scammer department I can assure you this is totally and utterly wrong, they did also notify me to say Mr Zapatero's house is buiilt on a ramblica, I do not have verification and once I do I will let those who do not think I am a prospective thief.   I do not want any funds only ideas to help.   . 



Thread: Serious Legal Problems

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27 Aug 2011 5:47 PM:

Dear Goldie and Orinoco

Thank you both for taking the time to respond it is appreciated and the people I am helping have asked me to say a big thank you, they are all grateful and have asked me to tell you both.

Goldie: I am hoping Maria will provide some advice if she sees this help notice.   The problem is these people cannot instruct a lawyer because non of them have any money to give, in addtion to having been robbed big time by their lawyer they have all suffered financially as a resut of the banking crisis they all lost on their investments plus their UK pension returns far less euros these days, as we all know.

Orinoco, I am sorry I failed to tell you they all bought through as estate agent, thinking they would be safe because they claimed to have the right documentation to protect the buyer.   They all sold up in the  UK and because of their ages they knew they would never get a mortgage, they all paid cash from the proceeds of their house sales UK, thus why no banks were involved.

I have tried tracing the Estate Agent owners without success.   I have checked one of the escrituras, there are no architect plans, no copies of cheque payments, no confirmation of water and electric contracts and no copies of their passport, there is no evidence of tax due or paid.   The firm of lawyers who robbed them assigned  two of their abogados for seller of land and buyer of land, the abogados did not tell them.    The builder - he was introduced by the estate agent who sold them the land offering to build the dwellings of their choice and this was a great opportunity, they remained at home in the UK with family whilst their dream home was completed, the builder provided a contract and he was paid in stages, they do not have any huge problems with the work he provided.    The estate agents told the buyers they would ensure all the correct legal paper work was provided and given none of them speak Spanish this they all thought was a godsend.  The builder did charge VAT,  his NIA number is on his bill, for some unknown reason I think the tax they paid ought to be checked at the Tax Offfice, anyone know how I do this,  because if I can prove this was not paid to them it could help, the builder still resides in the town.

Going to see the mayor - I agree that would be a great solution, however I  heard someone bought a habitation licence from the town hall, I do not think that would help, the solicitor charged each buyer the architect fees, which I found very odd, he charged licence fees etc too, therefore it's obvious the builder, lawyer architect and town hall had a good little number going.   To top it all two or 3 of them are built on protected land, one of them is the owner who bought his habitation licence from the town hall!   He did not realise he was buying it illegally he really thought he had to pay it direct to them when his son asked if he had a habitation licence.

Today one of the owners forwarded me a copy of a fax sent from the abogado in 2004  stating his house would not be demolished and that it is legal and the fact it is on protected land is not important , he went on to say  the town hall can not demolish the house, he sent this in 2004.   I thought after the Gill case on the Costa Del Sol  they passed a law about corruption!

As mentioned they have all been denounced by the town hall for illegal builds

If anyone can help further these English pensioners would appreciate all the help they can get PLEASE



Thread: Serious Legal Problems

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26 Aug 2011 12:00 AM:

We need help, several pensioners bought land in Almeria from an estate agent, we were all assured the land had planning permission to errect dwellings and foolishly we agreed to use the same abogada.   The abogada charged us exceptionally high fees, foolishly we did not ask for a quote and to give an example one person paid 12,500 euro for conveyancing and another 9500 euro, two are too ashamed to admit what they paid him.   We have all been denounced, we all went to the abogada and he charged each dwelling 300 euro per dwelling the write the same leter to the town hall.    The abogada did not tell any of us we had bought land with permission for a NAVE, we learned this in the middle of constructing our villas, then the lawyer announced that those near the ramblica would never be legal and it is likely the houses can be demolished.   The lawyer said Spain changed the law in respect of the proximity to the of the property to the ramblica! 

The Estate Agent went into liquidation, however we are in touch with a couple who worked for the estate agents who can vouch what was said to us.   Tow of the men have died from heart attacks as a result of the stress.

One person was told if they paid for a habliation licence one could be issued.

Some of us want to come home and cannot do so because we have spent all our money, we are also living in the lane where raw sewage passes our villas.  

Can anyone advise, please



Thread: Serious Legal Problems

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