How to claim all mortgage expenses from your bank

It is very possible that a few years ago, more than one of you will sign a mortgage loan contract with the bank of your "trust". In addition to the famous abusive land clauses that are so fashionable lately in all media and which will be dealt with in another article, the courts of our country also declared other types of clauses that banks introduced in mortgage contracts to be abusive. unilateral.

These are the clauses that oblige the borrowers -the consumers- to face all the expenses that would derive from the formalization of said contract, that is, notary expenses, expenses of the Land Registry or the tax of Legal Acts. among many others.

The judgment 705/2015 of December 23 of the Supreme Court declares that:

All the taxes, commissions and expenses caused by the preparation, formalization, correction, deeds processing, modification -including division, segregation or any change that implies alteration of the guarantee- and execution of this contract are the exclusive account of the borrowing party. and for the payments and reimbursements derived from it, as well as for the constitution, conservation and cancellation of its guarantee, being also its charge the premiums and other expenses corresponding to the damage insurance, which the borrowing party is obliged to have in force.

What expenses can I claim?

Notary fees
Expenses derived from registration in the Land Registry
The Tax on Documented Legal Acts
On average, these expenses can amount to between 3,500 and 4,000 euros, an amount that the bank unilaterally obliged in the contract to pay the consumer and that, according to the stipulation of the judgment, must be returned to consumers.

How can I claim?
minimum salary rise

First of all, you must go to the Customer Service Department of your bank and request a refund of all these amounts in writing. To this writing must accompany the invoices that show that we have paid these expenses.

Once this prior claim has been made, the bank will respond to us in one way or another. Although they are obliged to return the amounts, it is possible that some bank entity becomes a tramp, so we will have no choice but to go to court.

Also, due to the complexity of the matter, it is advisable to go to an expert - a lawyer - from the beginning, since a good brief of previous claim and a good negotiation, can avoid having to go to trial.

Said all the above, according to the ruling of the Supreme Court, banks are required to reimburse consumers all the expenses they paid at the time of formalizing the mortgage loan deed and sometimes amount to 4,000 euros. These clauses have been declared null and void and many entities are already modifying them in the new mortgage loans that they are signing, assuming all the expenses themselves or in some cases a large part of them.

In short, if we had to face all these expenses when we signed our mortgage, it is now the best time to claim them from the bank. If we ourselves do not enforce our rights, nobody will do it for us.

Second opportunity law: how to request an out-of-court payment agreement

With the crisis and the current difficult financial situation, it is very possible that the business that we had in our hands and that cost so much effort to carry out has failed. Given this fact, the entrepreneur or self-employed is faced with a multitude of problems, many of them manifested in the different debts acquired with their creditors. To alleviate this complicated situation, during 2015 the Second Chance Mechanism Law was enacted, modifying articles of the Insolvency Law and with the aim of giving the entrepreneur the possibility to try again.

What is the second chance?
It is an extrajudicial procedure by means of which, the individual entrepreneur can agree with his creditors the payment of his debts, with withdrawals, moratoria and even the exoneration of these. According to this law:

The debtor who is in a situation of insolvency in accordance with the provisions of article 2 of this Law (Insolvency Law), or who foresees that he will not be able to comply regularly with his obligations, may initiate a procedure to reach an out-of-court settlement. payments with your creditors, provided that the initial estimate of the liabilities does not exceed five million euros. In the case of debtor, natural person, the corresponding balance must be provided.

For the purposes of this title, natural persons will be considered entrepreneurs not only those who have such status in accordance with commercial legislation, but also those who exercise professional activities or have such consideration for the purposes of Social Security legislation, as well as workers autonomous.

At first glance it may seem like a good idea, but the legal text awaits some other unpleasant surprise. The first is that public law credits - those contracted with the public administration such as the Treasury or Social Security - are not included in this way the debts acquired through maintenance pensions. The second, that the process is not as simple and fast as it should be.

How to request an out-of-court payment agreement for self-employed workers and entrepreneurs
In a quick summary, the employer must fill out a complete standardized form that includes an inventory with the cash and liquid assets available to the debtor, the assets and rights of which he owns and the expected regular income. It is also accompanied by a list of creditors, specifying their identity, address and electronic address, with expression of the amount and maturity of the respective credits, which will include a list of current contracts and a list of expected monthly expenses. This form is delivered to the commercial registrar -or the notary according to the case- corresponding to the domicile of the employer

Once the application is filed, a bankruptcy mediator will be appointed, who will be the link between the debtor and his creditors. This, once the amount of the debts has been verified, will summon the debtor and the creditors to a meeting that will be held within the next two months and that will be notified by means of a notary or by any means that ensures its reception.

The debtor can continue with his professional activity, although he will refrain from carrying out any act of administration and disposition that exceeds the acts or operations inherent to the transfer or traffic of his activity, in addition to not being able to request loans or credits and return the credit cards. to the different financial entities. However, judicial or extrajudicial executions of the debtor's assets can not be initiated or continued while the out-of-court settlement is negotiated for a maximum period of three months.

As soon as possible, the bankruptcy mediator will send to the creditors, with the consent of the debtor, a proposal for the extrajudicial settlement of payments with waits of up to 5 years or withdrawals of up to 25%, and the creditors themselves may present their own alternative proposals. Said plan must be voted by the creditors that represent at least 60% of the debt. If the plan is accepted, it will be elevated to public deed and its content will link both the debtor and the creditors.

Conclusions
While it is a priori an interesting idea, the truth is that since the enactment of this law, few self-employed or entrepreneurs have made use of it. The fact that public loans are not included, being the core of the debts of entrepreneurs in times of crisis, has made this procedure not entirely optimal. In addition, the complexity of the matter, the costs of the procedure and the strong limitations that are included in this legal text, do not facilitate at all the entrepreneur in good faith who has failed and wants to try again.

This is the best way to finance your goals

We have reached a point where it seems that the expression 'economic crisis' has passed by, and the most complicated of this stage has already been overtaken by Spain. This is seen by the European Union itself and by Mario Draghi, who seeks union among the countries of the community to maintain the power of the 28 countries that currently comprise it.

It is precisely in these types of periods, when many people and even families think about improving their quality of life, giving that small hug to the family business or renewing the car that has given so many problems in recent years. In this type of case we have two alternatives: on the one hand, we could be saving for months to lengthen a little longer the wait to get what we want so much; or on the contrary, ask for a small loan.

We must not understand that everything in our life we ​​must finance with credits, but what we must have very clear is that even large companies of all sectors need financing to grow, or to face a bad economic situation.

Once we are clear about our objective and we want to fulfill it in a short period of time, the fundamental thing is to compare well what is the best option in terms of not only the interest rate, but the terms or the quantity that we want to ask for. The most advisable thing is perhaps to avoid the bank with which we normally work, since you must bear in mind that they have your history of other mortgage loans or your salaries, which is why they usually put abusive conditions.

In this aspect, as in any other, the best thing is always to work with specialists, referring in this case to companies dedicated to loans that will provide us with their specialization only in this type of financing, and how quickly a bank can not provide you with the time to offer you a credit

Of course, both television and the Internet are full of these types of companies, but the big question is knowing which one to choose. Always the recommendation is that you select a safe, solvent and, above all, capable of responding quickly and concisely. Perhaps one of the biggest problems is that many times the client can not ask for a credit for being on a list of defaulters, for perhaps an invoice that is not his and claimed by his telephone company.

In this type of case, the most advisable thing is that through a platform like ASNEF you get the credit you are looking for, without being affected by the chance that for some reason you are on one of these blacklists.

The positive thing about this process is that you can get your fast credits with ASNEF online, without the need to worry about being on a list of defaulters. In addition, the service itself allows you to choose the company, the amount of the credit and even when you want to return it based on your choice.

Once all these variables have been raised, you just have to take that step forward to get your loan and be able to meet that goal that you have not yet achieved.

Discover the best way to care for your family trusting only professionals

Nowadays the world is increasingly connected, not only the telephony and the internet have made us closer to each other and easier to travel, but relationships like those of European countries have allowed more and more to move or looking for work in other countries is much easier than it was before.

So much so that our concerns are always work, family, home or car. But as it happens in the great majority of occasions and previously having thought about what things are most important to us, we realize that aspects such as the car or the house are well protected, but much more relevant points such as family or work are not they are so.

The most advisable in these cases is to go to a specialist in the subject, a person who dominates the financial sector and fundamental aspects such as patrimonial and personal protection. Currently there are many advisors who dominate these cases, but if we do not know someone the other great alternative is to go to an entity able to advise us in a clear and sincere way.

Of course in this case it is best to go to a mutual insurance, which will advise us when it comes to giving more protection to our family and employment. The choice should always be companies first with a great experience at the time of giving this type of advice, and of course they are always sincere and objective with the client.

Once having selected the best company, the most efficient thing is to ask an expert for advice. Precisely because of this, we must carefully choose our insurance company, because that person will have to explain to us how we will protect our family in case we fail, what will be the retribution that we will obtain if they throw us out of work or if for whatever reason we are autonomous and We can not work in a period of time.

This is precisely why you should refuse to choose your usual insurer because as you are thinking, if you know it, it is because they are specialists in topics such as home or vehicle insurance, but not in aspects such as the ones we are dealing with today.

Recommendations like the ones we present today with PSN, will help you when these issues do not banks, or insurers specialized in other branches can help. Remember that this company in addition to fulfilling all the above points, only and only are specialized in issues of savings, investment and protection in order to give a better customer service.

Aspects such as health or pension that we will have in the future at the time of retirement, are concerns that would also be closely related to that protection for our own, so we should always think about how to cover any eventuality in these issues, in order to give that plus our family when it comes to giving them the security we are looking for.

Undoubtedly with these simple steps, you will not only think about your family and give them the protection they deserve so much, but you will have a group of experts in the field who will help you with your doubts on the subject, being part of that great family of clients who have believed in them for so many years.

Get the most out of your business!

In a world as globalized as in which we are, many of us began to consider the growth of any project we are working on and more if it is the business that we have created with so much work, effort and enthusiasm.

Since we started a project that will end up being our own business we must understand what kind of society we live in, being very clear that although it is easy to enter other markets thanks to said globalization, this also means that we must compete with other businesses in the same sector.

Once this is stated, many of us ask ourselves what is the best way to get the most out of our business. On these occasions we even bet on something risky, before focusing on those small details that would help us improve our business and enhance that service we provide with it.

Creating solid business relationships is the foundation of any project
HP OfficeJet Pro Series

In many of these cases we do not realize that in most of the cases the improvement is at our fingertips, and that most of the time it is connected to the professional relationships that we create or that we have created around our business.

In the event that you are an owner or a fundamental part of a business and you want to promote it properly, the first step should be to improve these professional relationships, which not only refer to the treatment you have with the customer but also includes suppliers , to potential investors or contacts that can help you improve your business in an indirect way.

These professional relationships are not only linked to the relationship you have with a customer or a supplier of our business, it refers to that presentation that we have created and printed for a possible investor or that documentation that we have quickly photocopied and sent to help our client to make a decision.

It is precisely because of this that even in such a globalized world where many businesses do not have a physical place where they can attend to professional relationships, it is so important to be able to respond quickly to any unforeseen and more efficiently for our business. .

In this way the safest thing is to bet on tools that facilitate and help the growth of our business, and help us respond to any unforeseen as quickly as possible. The clearest example is undoubtedly that of the range of HP OfficeJet Pro printers, which are designed with small businesses in mind to offer double-sided and high-speed printing, which saves time, money and protect the environment environment.

They are the printers that offer a better quality and professional color at the lowest cost to get the performance and quality that your business and your customers need. In addition, thanks to the innovative HP Instant Ink automatic ink replacement service, you will never run out of ink again and you can save up to 70%.

Having reached this point once we have established how to improve the professional relationships that exist around our business and how some tools such as HP printers can help us with this, we can only encourage you to promote these points to grow your business and keep improving with him.