Conversations with bank employees
Whenever I meet with a bank tried to draw him out on his morality, and how to internalize all the abuses they commit. Here are some examples all absolutely true and first hand Wednesday, February 16, 2011
How To Make A Dunebuggy Out Of A Lawnmower
-employee of Caja Madrid, I asked if customers complain, and very proud of me says that it applies a system that is tell customers to put their complaints in writing and as most can not write properly as well take them off of him. Worked in an office of a district of Madrid humildde. Bank
-Counselor, I note that a board is discussing whether it would start charging the maintenance of accounts. After discussing whether it was legal or not, this adviser stood up and said "do not care if we can charge whatever they want, because nobody will protest." Employee
-Banesto, I confess that "lied and cheated in his life when he was working in an office of Banesto. He now works at the plant. BBVA-Employee
, I called to confirm the return of overdraft fees improperly charged to a client of mine. I ask the reason for the return and tell me that because they are "unreasonable." We insist, and ask if they charge fees that "undue" is like stealing customers, and he says yes, I have reason, but he does not steal for himself, but for the bank. Le I say it is also responsible for the theft, and he remains silent. I wonder if these fees are charged to other customers, and I say yes, but others do not complain. Very nice. BNP
-Employed; Very satisfied she tells me that along with a boyfriend who had years ago, was dedicated to duplicating orders to purchase securities. The scam was simple: if a client of the organization gave an order to purchase securities from one day to another, her boyfriend gave another order the same number of shares. The next day was awarded to groom the best value purchase price and the highest customer. It seems now it can no longer do, but ten or twelve years ago it was possible.
Is it ethical bank? Comment
Kid Nation Audition 2009
social work Caja Madrid
quickly the news of 9 directors of Caja Madrid and its chairman, Miguel Blesa, have agreed to (themselves, of course) that their services to the Fund and its social work deserve a retirement of 25 million euros, apart from the generous salaries, allowances and others received from the entity. This is true Caja Madrid, and is intended to reward management is what has led the institution to ask the FROB 4.465 billion euros.
now clear why there is genuine elbowing among politicians to lay their backsides on the Board of Directors of a Fund. A great social work no doubt. PD
Meanwhile, four thousand workers from Caja Madrid will swell the unemployment rolls in the coming months. 
now clear why there is genuine elbowing among politicians to lay their backsides on the Board of Directors of a Fund. A great social work no doubt. PD
Meanwhile, four thousand workers from Caja Madrid will swell the unemployment rolls in the coming months.
Sunday, February 13, 2011
Short Term Disability Pregnancy Complications
pension Embargo Enforcement of sentences
In these times of crisis is often people who have experienced economic difficulties ahead try to recover the amounts deposited in the pension plans, and in fact the law provides certain circumstances in authorizing the bailout. It is important to notice that although pension funds can not be garnished, they can seize the moment to be rescued. Be very careful with this. I mean, if an individual lost his apartment and the bank claims the amount for costs, the depreciation of property, etc, and it happens having a pension fund or other entity that, this fund may not be arrested, but if we can find that rescued the money is automatically seized. This is because the role of the pension plan is to ensure an income during retirement, and if we wait until that time there may be arrested as long as the monthly income does not exceed the minimum wage, which if my memory is around 640 euros for the year 2011. From this amount may be arrested some of the excess, similar to the seizure of payroll (see post on this blog).
are being given many cases of ill-advised bailouts are signing anticipated pension fund without knowing you never see the money, and that will seriously threaten their livelihood coming retirement. Carefully, please. 
In these times of crisis is often people who have experienced economic difficulties ahead try to recover the amounts deposited in the pension plans, and in fact the law provides certain circumstances in authorizing the bailout. It is important to notice that although pension funds can not be garnished, they can seize the moment to be rescued. Be very careful with this. I mean, if an individual lost his apartment and the bank claims the amount for costs, the depreciation of property, etc, and it happens having a pension fund or other entity that, this fund may not be arrested, but if we can find that rescued the money is automatically seized. This is because the role of the pension plan is to ensure an income during retirement, and if we wait until that time there may be arrested as long as the monthly income does not exceed the minimum wage, which if my memory is around 640 euros for the year 2011. From this amount may be arrested some of the excess, similar to the seizure of payroll (see post on this blog).
are being given many cases of ill-advised bailouts are signing anticipated pension fund without knowing you never see the money, and that will seriously threaten their livelihood coming retirement. Carefully, please.
Church Anniversary Service Program Sample
civilians abroad What is
Often the situation of thousands of immigrants who once called for mortgages and loans in Spain, and that after the economic crisis and real estate have returned to their countries of origin, leaving unpaid debts in Spain. In these cases the recovery of outstanding amounts in countries, such as Hispanic, is very complicated and expensive, to the extent that financial institutions in these cases directly accounted for the credit failed, giving up further actions aimed at recovery. I would urge any reader of this blog have first-hand information on this matter would expose. I have consulted my own with someone who works in risk of the Santander Bank and has confirmed that this type of procedure is very expensive, and that at least his body is not trying to seize foreign assets. 
Often the situation of thousands of immigrants who once called for mortgages and loans in Spain, and that after the economic crisis and real estate have returned to their countries of origin, leaving unpaid debts in Spain. In these cases the recovery of outstanding amounts in countries, such as Hispanic, is very complicated and expensive, to the extent that financial institutions in these cases directly accounted for the credit failed, giving up further actions aimed at recovery. I would urge any reader of this blog have first-hand information on this matter would expose. I have consulted my own with someone who works in risk of the Santander Bank and has confirmed that this type of procedure is very expensive, and that at least his body is not trying to seize foreign assets.
Saturday, February 12, 2011
Wording For Oot Wedding Guest Bags
CIRB? Hours
CIRBE The file is governed by the Law 44/2002 of 22 November, on Financial System Reform, Article 59, first paragraph, states that "The Central Risk Information (hereinafter CIR) is a public service which aims to obtain from the reporting entities referred to the first paragraph of Article following data and information on credit risks, to facilitate data reporting institutions necessary for the exercise of its business; enable the authorities responsible for prudential supervision of these entities the proper exercise of their supervisory and inspection to ensure the proper development of
other functions that the Bank of Spain legally attributed. " And in the second paragraph of that article attributed the administration and management of the Bank of Spain CIRBE.
In short, this is a central database that records all credits worth over 6000 euros to have with different entities from Visa cards to credit accounts, discount lines, etc.. The head of this file is the Bank of Spain, and before he can go if we want to know what data they have on us.
One tip, If you're going to ask Visa or credit card number to different entities, it is always best to order them over the same month, so if you consult the CIRBE not see this risk and have more opportunities to give to us. The file of CIRBE is updated monthly. 
CIRBE The file is governed by the Law 44/2002 of 22 November, on Financial System Reform, Article 59, first paragraph, states that "The Central Risk Information (hereinafter CIR) is a public service which aims to obtain from the reporting entities referred to the first paragraph of Article following data and information on credit risks, to facilitate data reporting institutions necessary for the exercise of its business; enable the authorities responsible for prudential supervision of these entities the proper exercise of their supervisory and inspection to ensure the proper development of
other functions that the Bank of Spain legally attributed. " And in the second paragraph of that article attributed the administration and management of the Bank of Spain CIRBE.
In short, this is a central database that records all credits worth over 6000 euros to have with different entities from Visa cards to credit accounts, discount lines, etc.. The head of this file is the Bank of Spain, and before he can go if we want to know what data they have on us.
One tip, If you're going to ask Visa or credit card number to different entities, it is always best to order them over the same month, so if you consult the CIRBE not see this risk and have more opportunities to give to us. The file of CIRBE is updated monthly.
Thursday, February 10, 2011
Confirmation Community Service Ideas
limited bill payment
One of the great ideas to save the bank job is absurdly limited schedule and dates for payment of bills over the counter. Recently I went to BBVA to pay a bill at the counter, and after waiting in line the cashier told me they are the 10.35, and that "the system" does not let you take the receipt. I wonder when I can afford it, and I replied that from 8.30 to 10.30, but only between 10 and 20 of each month. Coincidentally it was on 20 ... Surprised I asked if customers were not charged receipts, and I answer yes, so I applied to open an account at one of the tables (along with credit cards, checkbooks, debit cards, etc), and while the banking toiled to fill out forms, I with the account number I went to the fractious victorious cashier did a revenue of 26.40 euros on the account, paid the bill 26.40 euros and canceled the account. The cashier's face was contorted cavalier, and the banking was busy filling in forms was a real poem when I told him I was not interested at all account cards, checkbooks, etc. I just wanted to pay my bill, as well as I did. 
One of the great ideas to save the bank job is absurdly limited schedule and dates for payment of bills over the counter. Recently I went to BBVA to pay a bill at the counter, and after waiting in line the cashier told me they are the 10.35, and that "the system" does not let you take the receipt. I wonder when I can afford it, and I replied that from 8.30 to 10.30, but only between 10 and 20 of each month. Coincidentally it was on 20 ... Surprised I asked if customers were not charged receipts, and I answer yes, so I applied to open an account at one of the tables (along with credit cards, checkbooks, debit cards, etc), and while the banking toiled to fill out forms, I with the account number I went to the fractious victorious cashier did a revenue of 26.40 euros on the account, paid the bill 26.40 euros and canceled the account. The cashier's face was contorted cavalier, and the banking was busy filling in forms was a real poem when I told him I was not interested at all account cards, checkbooks, etc. I just wanted to pay my bill, as well as I did.
Wednesday, February 9, 2011
Will Mice Get To Food Stored In Plastic
Judgement on the mortgage payment with the floor
I fear that this time I can not share the opinion of the Court of Navarre on the termination of the contract mortgage loan delivery floor. I would like nothing better than to give hope to many whose mortgages mortgage outweigh the present value of their flats, but I fear that under the Article 1911 Civil Code the debtor must respond with all its assets' present and future "of meeting its obligaciones.Por hand, Article 579 of the Civil Procedure Act fixed, if the mortgaged property auction, your product would be insufficient to cover credit, the judge may order the seizure by the missing amount.
In this case the mortgage contract expressly provides for personal liability of the mortgage on the credit contract, and any judge will rule in favor of a mortgage bank because it is still a contract between two parties, and must comply with the established there, regardless of other considerations.
It is also important to note that the decision of the Court of Navarre does not create law, being challenged before the Supreme Court.
In short, I fear that the situation is dramatic for many mortgages, as well as losing the floor and the amounts to be paid on the mortgage, if the auction price received is less than the debt (plus any interest and wild coasts), I fear you will see their salaries garnished in perpetuity.
Unfair yes, but unfortunately legal. So it's very important to read very well before you sign contracts, and we must be aware of the possible consequences of default. 
I fear that this time I can not share the opinion of the Court of Navarre on the termination of the contract mortgage loan delivery floor. I would like nothing better than to give hope to many whose mortgages mortgage outweigh the present value of their flats, but I fear that under the Article 1911 Civil Code the debtor must respond with all its assets' present and future "of meeting its obligaciones.Por hand, Article 579 of the Civil Procedure Act fixed, if the mortgaged property auction, your product would be insufficient to cover credit, the judge may order the seizure by the missing amount.
In this case the mortgage contract expressly provides for personal liability of the mortgage on the credit contract, and any judge will rule in favor of a mortgage bank because it is still a contract between two parties, and must comply with the established there, regardless of other considerations.
It is also important to note that the decision of the Court of Navarre does not create law, being challenged before the Supreme Court.
In short, I fear that the situation is dramatic for many mortgages, as well as losing the floor and the amounts to be paid on the mortgage, if the auction price received is less than the debt (plus any interest and wild coasts), I fear you will see their salaries garnished in perpetuity.
Unfair yes, but unfortunately legal. So it's very important to read very well before you sign contracts, and we must be aware of the possible consequences of default.
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