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Soy... un hombre

Sobre mi... Property owner on Costa del Sol for the past 20 years, plan to retire and play golf in Spain when I reach 55.....with the economic climate that may be 58!!!


Vivo en... Cheshire/Riviera del Sol. Costa del Sol


Me gusta... family, Sun, Golf, Food


Trabajo de... Direct Mail, List Broker


Mi firma en el foro es...

Ian Cook - Golf Gardens Miraflores - The best place to live on the Costa del Sol

"A day without sunshine is like.................night"


promedia's latest forum comments


02 Mar 2023 9:12 AM:

For those that want to follow updates on the campaign to change the 90/180 rule I suggest that you follow the Facebook pages covering this, search for 180 days in spain

one chap Andrew Hesselden has been leading the campaign and here is his response to letters campaigners have been receiving from the Foreign office.

Please Note and to clarify the situation, the EU have not implemented this rule on the UK for Spain, it is Spain alone that has taken this stance against the UK since it left the EU.

you will read that Spain already has 19 identical visa wavers in place with other countries in a similar 3rd world situation and could resolve this very quickly in Madrid, but are choosing not to.

have a read....

Second Dissection of FCDO Standard Fob-Off Response

Hello.... This one is for those of you with MPs who are forwarding letters onto the UK Foreign Office and who are receiving replies from James Cleverly (the new Wendy Morton).

I've been through his standard boilerplate response and attempted to take them to pieces.

I hope this will help those of you who are wondering how to respond:

 

====================================

 

The Government appreciates the impact of the ending of free movement on British citizens who previously travelled to the Schengen Area for long stays, including those who own properties in EU Member States.

>>>> It appears that Mr Cleverly doesn't fully appreciate that someone who has a home in an EU country, and uses it for part of the year does not "travel to the Schengen Area for long stays".  They live there full-time, for part of the year.  It is their home,  as much as the place they live in the UK, and this should have been considered when protecting other British nationals under the withdrawal agreement.  To add insult to injury, a Spanish tourist coming to the UK can spend more time here than someone who has a part-year home in Spain who happens to have had too many trips to France or Italy in the past 90 days.

 

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During negotiations with the EU, the Government discussed mobility arrangements in a number of areas, including future arrangements for British citizens travelling to the Schengen Area. Regrettably, in these discussions the EU consistently maintained that British citizens would be treated as third country nationals under the Schengen Borders Code following the end of the transition period. This means that, as of 1 January 2021, British citizens are able to travel visa-free for short stays, such as for tourism, for up to 90 days in a rolling 180-day period. This is the standard length of stay that the EU offers to nationals of eligible third countries, in line with existing EU legislation.

>>>> We already know that most Schengen countries have bilateral treaties with a number of third-countries (some signed before Schengen came into effect and some after).  Here is a comprehensive list and you'll notice that Spain already has 19 bilateral agreements with third countries that give them 90 days over and above the allowance provided by the Schengen Visa Waiver.  Examples are  https://op.europa.eu/en/publication-detail/-/publication/c067e92d-5a8b-11e9-9151-01aa75ed71a1.  Examples include Japan, Singapore, USA, New Zealand, Canada and more.  I would specifically like you to ask Mr Cleverly why the UK has not made similar bilateral agreements with Spain or other EU/EFTA countries during the transition period, and when they expect to do so.  And if not, then why not.  This seems to be a vital element of making Brexit work for UK citizens and equalising the significant gap between the access the UK gives to EU27/EFTA4 visitors and the access those countries individually give British visitors, let alone bona-fide part-year residents since before Brexit.

 

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Your constituents refer to the UK’s visitor provisions for EU citizens. Under the points-based immigration system, the UK treats EU and non-EU citizens equally.

>>>>>> The specific problem here is that the EU does not treat EU and non-EU citizens equally.  Nor even UK and other third country citizens equally.  Those are the precise problems that need to be resolved.


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Similarly, the EU has legislated to grant British citizens the same visa-free
travel permissions they offer as standard to all other third countries, including to
nationals from the USA and Australia.

>>>>>> Many Schengen countries allow Australians to stay for 90 days irrespective of the time they have spent in other Schengen countries during the past 180 days.  A similar provision for British citizens would resolve some of the problems faced by people like me.

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

The UK’s Trade and Cooperation Agreement with the EU confirms that both the UK and EU currently provide for visa-free travel for short-term visits for each other’s nationals in accordance with their respective laws.

>>>>>>>> The issue here is that the respective laws are not even remotely similar and while an EU27/EFTA4 country citizen can stay in the UK for 6 months per visit, a UK citizen can stay in each Schengen country for a total of 3.46 days twice a year (90 days divided by 26 countries).

 

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

Closing remarks:

>>>>>>>>> To treat British people fairly after Brexit, each EU & EEA country and Switzerland should have individually reciprocated the UK's more generous 6 month per visit visa waiver, rather than assuming the 26-country Schengen Visa Waiver would suffice as some kind of replacement for the Freedom of Movement we used to enjoy.  The Withdrawal Agreement's 6-month cut off for protection matches up with the UK visa waiver but does not match up with 90 in 180 shared between 26 different countries.

>>>>>>>>>I really must ask ########## (insert name of MP) to challenge current government policy with regard to making agreements on Visa Waivers.  This many not have been necessary in the past, when the UK was a long-standing EU member, but after Brexit, we must change our outlook on the world if British citizens are not to become significantly disadvantaged following Brexit.



Thread: Spain to apply to the EU for the abolition of the 90 / 180 rule for British citizens

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25 Feb 2023 6:07 PM:

Established Community on Mijas Costa are currently searching for a new Administrator to assist the President with maintenance issues, administrative issues, debtors and general guidance on the running of a successful community.

If your community is currently using an administrator that goes above and beyond in their service and expertise we would love to have them recommended to us, so that we can go and meet with them.

Please give us some examples of how your administrator deliver above and beyond to your community.

thank you



Thread: Mijas Costa - Administrator with excelent property management skills required

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25 Feb 2023 5:54 PM:

We are a community of 60 apartments in Riviera Del sol - Mijas Costa.

All apartments on the community had a log burner fire installed when built, however the community President for many years advised owners the chimneys were not safe to use as smoke escaped into apartments above when lit. it appears that the flu pipes up the 8 chimney stacks were not installed correctly 18 years ago. Over the past winter with the increase in electricity, owners have been using their fires and lots of smoke problems have occurred.

the community would like to initially offer all owners the opportunity to have their chimney cleaned and inspected and a report compiled as to the remedial works necessary within the 8 portal chimney stacks.

Has any other community encountered the same issues and how have you resolved them and was it expensive?

anyone got any recommendations for a company that could provide a quote for this type of work?

all answers appreciated, thank you.



Thread: Recommendations for community chimney survey and sweep

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15 Sep 2017 3:26 PM:

I have posted this query on general Chit Chat as well, but think i might get a better answer from a professional on here???

Just been out in Spain and i'm reading and hearing a lot of adverts for lawyers willing to chase mis-sold mortgages in Spain after an EU ruling..

this is what happened...

Many Spanish Banks will face a bill of €5bn after a Spanish Court ruled that millions of fixed minimum rates sold during the property boom are null and void due to a lack of transparency.

The mortgages contain what is known as a ‘clausula suelo’ which fixes the minimum mortgage payment. Therefore, the product is still a variable rate mortgage but the Bank sets a cut-off point below which your mortgage repayments will not fall.

It is estimated that 40 Banks are involved including pillar lenders. The clauses were put in to protect banks from negative interest rates, which we have seen come into play this year.

Most of the 4 million mortgages estimated to be effected by this ruling were sold during the 1997-2007 property boom when buyers were paying over the top prices for property throughout Spain.

Whilst the ‘clausula suelo’ type of mortgage is not outlawed, the court has said the existing mortgages sold are null because of a lack of transparency on the part of the Banks, which failed to adequately inform clients what they were signing up to.

Only 15,000 homeowners who were part of the class action which took this matter to court are aware of this ruling and this leaves upwards of 3.75 million people who could benefit from this ruling, including overseas borrowers.

Our repayment mortgage started back in 2005 and the interest rate is changed annually and we have no options to change banks and  remortgage to a lower rate, which seems to fit the criteria for mis-selling.

However, our initial mortgage bank HalifaxUK changed to Banco Halifax Hispania, which then was sold to LLoyds Bank and finally onto Banco Sabadell. 

Sabadell are obviously "Holding the Baby" if there are any mis-selling issues for all these old banks customers, and when i went in to discuss the situation with them one branch claimed not to have heard anything about the EU legal ruling in Spain, the other branch said it was an English mortgage anyway so the rules didnt apply, however Banco Halifax - is a separate company to its UK counterpart and its mortgage products are subject to the regulations and requirements typical of all Spanish mortgages.

So are Sabadell being clever and trying to put claimants off - or are they telling the truth?

Has anyone started a claim yet?

Who did you use, expected % fees the are looking for and how has the experience been so far?

Look forward to hearing from people in the same boat!

 



Thread: Mis-sold Spanish mortgages

--------------------------------------
15 Sep 2017 3:18 PM:

just been out in Spain and i'm reading and hearing a lot of adverts for lawyers willing to chase mis-sold mortgages in Spain after an EU ruling..

this is what happened...

Many Spanish Banks will face a bill of €5bn after a Spanish Court ruled that millions of fixed minimum rates sold during the property boom are null and void due to a lack of transparency.

The mortgages contain what is known as a ‘clausula suelo’ which fixes the minimum mortgage payment. Therefore, the product is still a variable rate mortgage but the Bank sets a cut-off point below which your mortgage repayments will not fall.

It is estimated that 40 Banks are involved including pillar lenders. The clauses were put in to protect banks from negative interest rates, which we have seen come into play this year.

Most of the 4 million mortgages estimated to be effected by this ruling were sold during the 1997-2007 property boom when buyers were paying over the top prices for property throughout Spain.

Whilst the ‘clausula suelo’ type of mortgage is not outlawed, the court has said the existing mortgages sold are null because of a lack of transparency on the part of the Banks, which failed to adequately inform clients what they were signing up to.

Only 15,000 homeowners who were part of the class action which took this matter to court are aware of this ruling and this leaves upwards of 3.75 million people who could benefit from this ruling, including overseas borrowers.

Our repayment mortgage started back in 2005 and the interest rate is changed annually and we have no options to change banks and  remortgage to a lower rate, which seems to fit the criteria for mis-selling.

However, our initial mortgage bank HalifaxUK changed to Banco Halifax Hispania, which then was sold to LLoyds Bank and finally onto Banco Sabadell. 

Sabadell are obviously "Holding the Baby" if there are any mis-selling issues for all these old banks customers, and when i went in to discuss the situation with them one branch claimed not to have heard anything about the EU legal ruling in Spain, the other branch said it was an English mortgage anyway so the rules didnt apply, however Banco Halifax - is a separate company to its UK counterpart and its mortgage products are subject to the regulations and requirements typical of all Spanish mortgages.

So are Sabadell being clever and trying to put claimants off - or are they telling the truth?

Has anyone started a claim yet?

Who did you use, expected % fees the are looking for and how has the experience been so far?

Look forward to hearing from people in the same boat!

 

  

 


This message was last edited by promedia on 15/09/2017.
Thread: Mis-sold Mortgage claims in Spain

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"This is a blog that our whole committee uses to tell their story of what's happening and what they are doing on a daily basis for the improvement of our Golf Gardens Miraflores community in Riviera Del Sol. We want our community to be "The best place to live on the Costa del Sol" and only with a dedicated team of owners who are prepared to commit time and effort to the cause, will we achieve our goal! "
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