Office 6092 Banco Santander
It's funny, but most of the complaints listed on this blog are against the Bank of Santander. Here am I the one told in first person, is that my mother, nearly eighty years old, transferred some funds investment branch of the Banco de Santander 6092, where the person who writes them to my mother meets with the director, Felix Garcia Cortecero to formalize the transfer so as to avoid payment of withholding 18% of the capital gains.
After 40 days, the manager of the accounts of my mother's office called me and told me that no funds appear in the accounts of my mother ... I leave the office, I'm coming home inmediantamente, and my mother tells me that the director gave him to sign some papers without any explanation, which my mother thought it was signed order from our manager.
I go to the branch, and the director explains that sold the funds to sign an annuity of 2.5%, which is that you pay 18% capital gains entry, and the bank gives you 2.5% , but yes, you get the money when you die. For example, if you have a disease for nothing, you have to die before to pay the clinic.
turns out to sr. GarcĂa Cortecero from central pressure you to place a number of "annuity", and takes to do it the old ladies. Thus, the Banco de Santander appears as a leader in obtaining benefits, and Felix becomes a paltry reward for their goals as despicable action. I usually recommend making
writings, go to the Bank of Spain, etc, but with people like this guy not be a language other than grabbing the neck, lift the seat and drive them a slap, as well as I did. Within minutes the "annuity" was canceled.
Saturday, October 30, 2010
Sample Email After The Interview
Abuse in New
One of the most common abuses by banks is to require a new appraisal of the property, claiming that the appraisal before we do with another entity to apply for a mortgage is not "approved" by the bank. The reason for this requirement is simply to give business to the appraisal company, which happens often own the same bank. What a coincidence. The file
200903060 Complaints Service Bank of Spain is collected for a client who was forced to perform another appraisal of the building with a valuer appointed by the entity (Group BC), claiming that the one presented by him, Tinsa had developed, was not approved in the state ... In this case
appreciated malpractice bank whereas Article 5 of Law 41/2007 of 7 December, incorporating a new Article 3 bis I) of the Act 2 / 1981 of 25 March, regulating the mortgage market, provides that "credit institutions, even those that have services of assessment, shall accept any valuation of property provided by the client, if, as certified by an approved valuer under the provisions of this Act and not expired as provided by law, and that, without prejudice to the credit institution to carry out checks it deems appropriate, of which in no case may affect its cost to the client to provide the certification. " worth noting that the term of the valuation reports and certificates is six months from date of issue (Article 62, paragraph 4, of the Order ECO/805/2003 , 27 March, the Ministry Economy on valuation of real property and certain rights for financial purposes).
Prior to the entry into force of this standard (December 9, 2007), there was no provision requiring institutions to admit or accept the report of appraisers than those with normally operated, which meant that in the event of there being a negative of a mortgage loan application, the client was often with the original of a report that it was not useful for the loan to other banks.
One of the most common abuses by banks is to require a new appraisal of the property, claiming that the appraisal before we do with another entity to apply for a mortgage is not "approved" by the bank. The reason for this requirement is simply to give business to the appraisal company, which happens often own the same bank. What a coincidence. The file
200903060 Complaints Service Bank of Spain is collected for a client who was forced to perform another appraisal of the building with a valuer appointed by the entity (Group BC), claiming that the one presented by him, Tinsa had developed, was not approved in the state ... In this case
appreciated malpractice bank whereas Article 5 of Law 41/2007 of 7 December, incorporating a new Article 3 bis I) of the Act 2 / 1981 of 25 March, regulating the mortgage market, provides that "credit institutions, even those that have services of assessment, shall accept any valuation of property provided by the client, if, as certified by an approved valuer under the provisions of this Act and not expired as provided by law, and that, without prejudice to the credit institution to carry out checks it deems appropriate, of which in no case may affect its cost to the client to provide the certification. " worth noting that the term of the valuation reports and certificates is six months from date of issue (Article 62, paragraph 4, of the Order ECO/805/2003 , 27 March, the Ministry Economy on valuation of real property and certain rights for financial purposes).
Prior to the entry into force of this standard (December 9, 2007), there was no provision requiring institutions to admit or accept the report of appraisers than those with normally operated, which meant that in the event of there being a negative of a mortgage loan application, the client was often with the original of a report that it was not useful for the loan to other banks.
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