Bank Repossessions in Spain: A Legal Perspective
We are having problems paying our mortgage, and are now 1 month in arrears due to a reduction in income. We do have a small business here, but
business is seasonal, and we rely a lot on people coming on holiday. We have contacted the bank, and they have been understanding, but for how long?
To complicate matters, we are renting our house in the UK to a family member, and it woud be awful if we were to lose this as well. I am at my wits end to know what to do, and my husband seems to be putting his head in the sand and pretending everything is ok. I would be grateful if you could give me some advice. It would be very much appreciated and might ease my anxiety. I have thought about going back to the UK alone, but do not want to be a burden on my family.
Bank Repossessions in Spain: A Legal Perspective
Hi
I am in arrears but paying the full mortgage and some arrears. Have I got a defence when it comes to court? There is no month I paid nothing.
Thanks
Bank Repossessions in Spain: A Legal Perspective
Advise needed regarding property in Tenerife
This may be a tough one to answer it sure is a hard one to ask advice on but i cant think of anyone to turn to for this advise
Well here goes
I came back to the UK in 2009 to work due to circumstances beyond my control I had mortgage problems I did let the bank know that I was leaving and explained that i was going to work and asked for a few weeks to get sorted back in UK this was Ok I kept in contact via email they went through all the process of asking for copies of everything as they do I was at one point told that my bank account had been closed I was not given any information where I could pay any monies to. I have tried for two years now to get some response from the bank and they never reply I just don't know where to turn I have little money for big lawyers fees so any advise would be appreciated
I had my apartment trashed a few weeks after returning to the UK but have been unable to get across
I have since found out from a friend that when she was over in January they saw what looked like cleaners on my balcony it transpired that they thought that I had sold up and had just left a lot off stuff behind
My daughter who is 17 is over there at the moment and has just been to the apartment having had to get in through a window as a key had been broken in the lock to find that everything has gone my beds my clothes my fridge my washer my dryer every thing apart from 2 sets of drawers and a unit
I have like i said tried to communicate with the correct people but they have not bothered to communicate with me
WHAT DO YOU THINK I CAN DO ?
Sorry for the rambling but i am in a state of shock at the moment
Bank Repossessions in Spain: A Legal Perspective
Hi"
last week i recived a letter from my bank
witch was all in spanish !
so could not understand. i have been asking them to take the keys back for quite some time now, as my partner dyed just over a year ago,
and since then i have struggled to keep up the mortgage, witch i now have not been able to pay since november last year,
all the bank kept saying was that i had to pay inhearatence for my late partners half of the apartment.witch i canot afford !
then the apartment would be all mine!
unless i did this i could not sell the apartment to get rid,
as i had a buyer wanting it,
but the bank would not let me sell it to them, witch would have paid off all the outstanding mortgage and left a little over ,
the letter was an offical one i had to signe for,
from the bank,
but i sent straight back and asked them to send it back in english so i could understand it !
but they have just not bothered to reply.they have constently not replyed to my letter and emails and phone calls regarding sorting this out,
so it looks now as though its going to repossesion i think, so how do i stand ?
Bank Repossessions in Spain: A Legal Perspective
We fell behind with mortgage payments but the bank said they would be ok with what we were paying into the account as long as it didn't reach 3 months arrears. We actually paid cash into our current account for the full amount to bring the mortgage payments up to date and asked for it to be transferred to the mortgage account (held at the same bank). Unfortunately, the money remained in our current account for several days for no apparent reason and it was only clear when we went to pay the following month's mortgage payment and was told we had to pay an additional €3000 for legal fees! We explained we'd already paid the mortgage up to date so why were legal proceedings even started? We were told to pay the extra €3000 or we would lose our home but we didn't have €3000.
It went to court last April but we weren't notified and still haven't had an eviction notice. Is there any way we can find out what is going on? Also, because the account was paid up to date and never fell 3 months behind is there anything we can do now because we still don't understand why they kept the money in our current account instead of paying it to the mortgage. Our bank statement proves this was the case.