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Dear Madam,

There were a great number of people who denied this being possible. Many are still in the denial stage.

Regrettably in Spain, on signing a mortgage, you will be held personally and...

Dear Madam,

The competent law would that of your home country, England and Wale´s.

I cannot give an opinion on your matter as it's not ruled under Spanish law.

Yours faithfully,
Raymundo...