Discussions

started by: Maggies-938168 · last update: 1389275536 · posted: 1388443974

Dear sir or madam, I have been told that properties are being sold to new buyers, and the new buyers may never get their deeds,  it is important that we take notice of this situation as new buyers of homes might end up with debts. Masa owes for materials and other building stuff on their nota simpla documents which will give more trouble with Masa group unless they can be stopped.  Maybe a high court judge might get involved and sort out these builders and bring an end to this group of builders saying that they still own the homes even when they are paid for.  I wonder if human rights might stop all this trouble.  After all when you buy a car on tick it’s not yours until its paid for what is the difference with a properties, when you have a mortgage the bank holds your deeds until you have paid for your home. What’s the difference with builders or a builder still saying that all these homes without deeds are still his? Can you tell me? I bought my casa in 2005 fully paid for when I went after my deeds I was told that I would have to wait 7 years because D section was the last to be finished, yours Margaret Hughes

started by: jackrussel-595844 · last update: 1388588942 · posted: 1388577746

Hi all.we need help,we are both retired and moving to spain in jan 2014 to rent,we have found our area,we want to know.Taxation on monthly transfers from uk to spainish bank,taxation rate,taxation on uk saving whilst living in spain.is it a one off payment ?Do we pay tax in uk and spain.Financial advisers,are they regulated.how long do WE have to declare our income.on the new spainish tax laws.We have heard of blevin franks.is it a good firm,to speak to.

started by: Homelygirl1@yahoo.com · last update: 1387811533 · posted: 1373555980

I live in Spain and the pensioners here are making an effort to change the chancellor's mind about the Winter Fuel Allowance. I have friends in other European countries who will also be effected by this and I feel that if we all pull together, the government will realise that we pensioners are not apathetic and that we are a force to be reckoned with. The British Government is going to stop winter fuel payments to people who live in warmer climates. In order to get these changes through  they rely on the apathy of us pensioners. They expect us to accept it saying, "well what can I do?" I believe that we can do a great deal but only if we do it together. There is a petition on the Brithish Government website, you can search for the winter fuel allowance petition on,  http://epetitions.direct.gov.uk/ if 100,000 people sign it, there is a good chance that it will be discussed again in parliament. Another thing we can do is to bombard the chancellor with questions via public.enquiries@hmtreasury.gov.uk which should make them realise that we will not be ignored. Let us Make a stand on this....... The usually meek and mild F. W.

started by: danielfoy5 · last update: 1386716660 · posted: 1386601651

With a New Zealand QROPS, it states that they are the only ones which allow cash to be released from capital. Is this still true if the member has been Non UK Resident for less than 5 years and if the member is still in there 40's and not yet at minimum retirement age?

started by: MichelleR1 · last update: 1384167589 · posted: 1384167589

British Embassy Press Release: A couple in their 60s have been brought to justice after lying about their Spanish home in order to claim a string of UK benefits including a council house.  Married couple Michael and Sylvia Plumridge from Sonning in Wokingham fraudulently claimed over £16,000 in UK benefits. They failed to declare to benefit officials that Mrs Plumridge was in fact the owner of a luxury apartment in Torrevieja in Alicante province, where they both lived until they moved back to the UK in 2010.  After their return to Britain the pair claimed a string of benefits including pension credit and housing and council tax benefit, whilst keeping details of Sylvia’s Spanish property and her private NHS pension a secret from benefit officials. They even applied for and were granted a council property, claiming they had nowhere else to live.  As a result of failing to declare their true circumstances to the Department for Work and Pensions (DWP) the Plumridges were sentenced at Reading Magistrates Court to a 12 month community order with 240 hours unpaid work, as well as being ordered to pay back the benefit they had received fraudulently and a further £1,235 to cover the cost of the investigation.  Julie Holland of Wokingham Borough Council’s business assurance team, who helped bring the fraudsters to justice, said,  “With such a high demand for social housing and with taxpayers’ money being so tight, it is vitally important that we make sure that council houses and public money only go to those who really need it.  “Every council property that goes to the wrong person costs the council tax payers of Wokingham Borough an extra £18,000. We will continue to go after fraudsters who think they can cheat the system and get away with it.”  Benefit fraud takes taxpayers’ money away from those that need it most. If you suspect someone of committing benefit fraud in Spain, do call the free and confidential fraud hotline in Spain on 900 55 44 40 or fill in the form at www.dwp.gov.uk/benefit-thieves-spain. Investigators will then follow up to make sure that taxpayers’ money is going to honest citizens.

started by: MichelleR1 · last update: 1382365864 · posted: 1382365864

British Embassy Press Release: Expatriates in receipt of UK pensions and benefits may soon be contacted by the Department of Work & Pensions to confirm their international bank details. From 31st January 2014, the Department for Work and Pensions will need an International Bank Account Number (IBAN) and Bank Identification Code (BIC) in order to make payments to expatriates’ accounts in Spain and other Eurozone countries. This change is due to new European Union regulations which aim to make payments between EU countries faster and more secure. The Department for Work and Pensions (DWP) already holds IBAN and BIC details for most of its customers. But expatriates whose details are not yet held by the DWP will soon receive a letter asking for them. Bank customers will not be asked to provide any further details of their accounts, such as passwords. It is only the IBAN and BIC details that are needed If you receive a letter, you should complete the attached form and return it to the DWP as soon as possible, says the British Embassy in Madrid.  Failure to do so may mean your payments will be stopped because after 31st January 2014, banks in Eurozone countries will not accept any DWP direct payments without these details.  You can get the IBAN and BIC details from your bank account statement or directly from your bank. Expatriates only need to provide additional bank details if they receive payments into a Eurozone account outside the United Kingdom and have received a letter from the DWP. Those whose pension or benefit is paid into a UK account are unaffected by this change in EU regulations. Officials from the Department for Work and Pensions are also reminding customers who have changed address, and who have yet to inform the DWP, to contact the International Pension Centre  in Newcastle-upon-Tyne on 0044 191 218 7777 in order to make sure their details are up to date. For more information about the change to European bank account numbers, visit the European Commission website at http://ec.europa.eu/internal_market/payments/sepa/index_en.htm

started by: jackrussel-595844 · last update: 1381520753 · posted: 1381313769

Hi .we are both retired,and want to live in spain.would like to buy a house,( what happens if one of us die.what happens to the house,or do spain take half of it.

started by: lucyt-909195 · last update: 1381235690 · posted: 1381235690

An unhappy topic, but can anyone tell me if one can be cremated in Spain if one dies whilst awaiting residency?

started by: MichelleR1 · last update: 1380643732 · posted: 1380643732

British Embassy Press Release: Expats urged to point friends and family towards Foreign Office information Spain has emerged as the Number 1 destination for people seeking expert advice about buying a home in the sun.  Two thirds of prospective purchasers who sought advice from Foreign Office property experts at the ‘A Place In The Sun’ show at the National Exhibition Centre in Birmingham last weekend said their preferred destination was Spain.  Foreign Office advisers from Spain and France, including Alicante Consul Paul Rodwell and British Embassy Madrid property expert Bernadette Gallagher, spoke to a total of 2,209 people who were considering buying a place abroad.   Two-thirds (66%) wanted advice about purchasing in Spain, with a quarter (24%) considering France and the rest (10%) looking at other countries or undecided.  More than four out of five people said they found the advice very useful and would use it when buying their home. They particularly liked the fact that the advice was impartial and free.  Most advice given by the Foreign Office team concentrated on three key areas:  the value of following the Foreign Office property buyers’ checklist before moving abroad (take your time, rent first, access healthcare correctly, consider the impact of moving exchange rates on your savings, etc.)   the importance of getting good independent advice around your purchase (legal advice, following the buyers’ checklist)   the wealth of information on www.GOV.UK about pensions and benefits abroad and living in a specific country    Expatriates who have friends or family who are considering buying a property here in Spain can help them by pointing them towards a new Foreign Office video on YouTube and the Foreign Office’s How to buy property in Spain guidance on www.GOV.UK.   Spain also features heavily in an ITV programme at 20.30 Spanish time (19.30 BST) on Thursday 3rd October. ‘Bargains in the Sun’ looks at how, with property prices falling in southern Europe, many people in Britain are starting to think again of owning a place in the sun.  Organisers of the ‘A Place in the Sun’ show said visitor numbers were well up on last year, suggesting increasing interest among Britons in buying abroad. More than 12,000 homes in Spain have been bought by Britons over the past three years.

started by: MichelleR1 · last update: 1380024539 · posted: 1380024539

British Embassy Press Release: New Foreign Office video offers top tips to help prospective buyers British expats who know someone planning to buy a place in the sun should tell their friends or family members back in UK to make sure they get free and helpful advice from the British Embassy staff who will be at A Place in the Sun Live at the National Exhibition Centre in Birmingham from 27th to 29th September. Potential property buyers in Spain can also get lots of consumer-friendly information from a new Foreign Office video to be found on YouTube, on gov.uk and other websites that are packed with advice on how to do your homework before taking the plunge. Spain continues to be amongst the most popular choices for Britons buying homes overseas, despite the economic crisis and well-publicised property scandals. According to the Spanish College of Registrars*, over the past three years Britons have bought more than 12,000 properties in Spain, representing nearly one in five of all properties bought by foreigners.   Most have bought properties without experiencing any issues. But this is little comfort to the minority caught up in serious property problems who suffer the emotional distress and personal and financial effects.   British Ambassador to Spain, Giles Paxman, explains what the British Embassy has been doing: “Although we cannot take action on individual cases, we continue to engage with the Spanish authorities at all levels to encourage them to address property issues affecting British nationals.   “We have seen the devastating effect property problems can have and we want to help prospective buyers avoid the potential pitfalls.  They can visit the Spain-specific property advice pages on gov.uk, watch the FCO’s new video on YouTube and talk to our staff at the ‘A Place in the Sun’ exhibition.   “All three offer helpful tips that will help future buyers purchase safely so that they can enjoy all the wonderful things that living in Spain can offer.” Mr Paxman concludes: “One thing that just about everyone affected by property problems says is that they want to make sure other people don’t go through the same situation. People already living here can play an important role, by encouraging friends and family to do their research and get impartial legal advice before moving abroad.” Foreign Office staff will be on Stand B32 at ‘A Place in the Sun Live’. More information about the event can be found at www.aplaceinthesun.com The Foreign Office publishes a range of advice on buying property and living in Spain, including:  • Buying property in Spain: www.gov.uk/how-to-buy-property-in-spain  • Property advice video - ‘Living the Dream’: https://www.youtube.com/watch?v=ZjBhE5PhE80&feature=youtube_gdata_player • Living in Spain: www.gov.uk/living-in-spain

started by: keithanddeb · last update: 1379863442 · posted: 1378144041

Hi Every one we have just purchased a Villa in catral , now we are lloking for house insurance can anyone suggest a good comapny, we have had quotes from LA caixa for about 600 euro and in england uo to £900, we chatted withg some locals and were given prices in the 400 euro mark any suggestions would be welcome, Also would love to chat with any expats in he Catral area and pick their brains on other matters thanks in advance Keith and Debbie

started by: stocky 46 · last update: 1379499192 · posted: 1379378608

Hola, I have just found out that I will be paying twice as much income tax in Spain compared with the U.K. My Tax Free Allowance in the U.K. is £10500  and in Spain the tax free allowance is less that half this ammount!    My wife has the same tax free allowance but has a small pension and could never pay tax in the U.K.  [we are both 67 years of age.]   Dave

started by: MichelleR1 · last update: 1378817329 · posted: 1378817329

British Embassy Press Release: Call follows jailing of British fugitive extradited from Spain  Expatriates with information or suspicions about tobacco smuggling and tax fraud are being asked to call a Customs Hotline with any information that could lead to arrests or seizures.  The call for help from the British community follows the jailing of convicted cigarette smuggler Malcolm McGowan, who has just been extradited from Spain and is now starting a four-year jail term.  The freephone number to pass on information is 900 988 922. For people in the UK, it is 0800 595 000.  People can also email customs.hotline@hmrc.gsi.gov.uk. There is no need to give personal details, and information that leads directly to an arrest could be considered for a small reward.  McGowan, 61, originally from Edinburgh, was arrested at a swimming pool in Valencia on 10 August by the Guardia Civil. He fled the UK 12 years ago after being found guilty of smuggling 28.3 million cigarettes into the country. His crimes robbed the UK of around £4 million in duty and he was sentenced in his absence in December 2001.  McGowan was part of a wider conspiracy to smuggle around 56 million cigarettes into the UK between November 1999 and March 2000. Ten other men were involved in the plot, which robbed the UK taxpayer of over £8.2 million.  Adrian Farley, Assistant Director of Criminal Investigation for HM Revenue & Customs, said:  “McGowan is finally facing UK justice after 12 years on the run. We are determined to pursue fugitives and ensure they face the consequences of their criminal activity. HMRC would like to thank the Spanish authorities and UK organisations that assisted with this operation.”   The call to ring 900 988 922 comes as smugglers try to make huge profits from illegal imports of cigarettes, and the selling of low-quality, counterfeit cigarettes, tobacco and alcohol.  Customs officers are also keen for information about other items such as drugs, firearms, obscene material and endangered species. Tax frauds that HMRC want to hear about include betting and gaming, money laundering and the ‘carousel’ VAT scam in Europe.  “Smugglers and fraudsters cheat the rest of us by not contributing the tax that pays for schools, hospitals and public services”, said an HMRC spokesman. “People in the British expatriate community can help us to find them.”

started by: stocky 46 · last update: 1378809990 · posted: 1378602758

Hi, I have been told that ex pats becoming new residents; [2013] have to prove that they have an income so that they will not be a burden on the spanish state. Are there any figures for a maried couple who want to live in the costa blanca as pensionistas and who own their own property. Best Wishes Dave.

started by: sundance-585840 · last update: 1378047993 · posted: 1376507678

Does anyone recommend a tax consultant in the Calpe area who will also deal with residency. Thanks

started by: PHMJ · last update: 1377893358 · posted: 1377893358

Hi, I think I understand the basic procedure for registering as self-employed.  However, I would like to know the lowest rate of IAE - is it a percentage of what one earns or is it a set rate, if so, how is it set when monthly income will vary considerably.  Also, regarding income tax, is it the same as the UK where certain items deemed necessary for work are "tax deductible"? Thanks.

started by: MichelleR1 · last update: 1377694506 · posted: 1377694506

British Embassy Press Release: Foreign Office encourages residents and visitors to be aware of local legislation Playing bingo, snacking while sitting on a monument or feeding pigeons may seem innocent enough to many British citizens, but these are just some of the reasons why people have found themselves faced with hefty fines or in some cases arrested or detained abroad.  Every year Brits are caught out by local laws and customs which might seem harmless in the UK, but some of which carry serious consequences abroad. Such incidents can easily be avoided by researching travel destinations in advance and taking note of updates and warnings issued by the Foreign and Commonwealth Office (FCO).  A recent FCO report* identified that more than a quarter (27%) of cases requiring consular assistance were for arrests or detentions, highlighting the value of familiarising oneself with local laws in order to steer clear of trouble.  Some unusual overseas laws and customs to watch out for include:        Country Barcelona Law It is against the law to wear a bikini, swimming trunks or to go bare-chested away from the beach front area in Barcelona Penalty/Consequences Fines Country Netherlands Law Don’t carry or use drugs. While the Netherlands has a reputation for being tolerant on the use of so-called ‘soft drugs’, this exists only for designated areas. Possession of prohibited substances or buying them can carry a prison sentence Penalty/Consequences Arrest, detention Country Venice Law Feeding the pigeons is against the law Penalty/Consequences Fines Country Singapore Law Chewing gum on the Mass Rapid Transit (MRT) system in Singapore is strictly prohibited Penalty/Consequences Fines Country Thailand Law It is illegal to import more than 200 cigarettes into Thailand Penalty/Consequences Large fines and confiscation   Charles Hay, FCO Director of Consular Services said:   “Consular staff often find that travellers are unaware that local laws apply to them and many British nationals think of their British passport as a ‘get out of jail free’ card. While consular staff will always try to assist British nationals who find themselves in difficulty abroad, we can’t interfere in another country’s legal processes.”  “We want Britons to have a great time when they travel abroad so it is a good idea to research the country they are visiting before they travel. Country specific laws and customs can be found at www.gov.uk/foreign-travel-advice .”  

started by: sundance-585840 · last update: 1376645699 · posted: 1376645699

I thought that some may be interested in this new ruling. I wonder just how long the UK passport info of in and out UK, is linked to the tax revenue. Who knows maybe it already is ? This is an extract from my UK accountant from what I gather you need to pass a number of these tests ( don't ask how many, I don't know I expect every case is different )   The new tests are for "statutory non-residency" tests followed by "statutory residency" tests The ties are for: Work tie - if you work for more than 40 days a year in the UK   Family tie - if you  have wife or children under 18 living in the UK   Accommodation Tie - You have a place to live in the UK (yours or close relatives) where you spend more than 1 day a year (if yours) or 16 nights or more if a close family's home.   90 day tie - If you spend more than 90 days in the UK in either or both the previous 2 tax years   Country tie - you spend more days in the UK than in any other single country in the tax year    These rules only came into force from 6 April and are very new. Over time I am sure there will be some challenges but at this time we need to follow the legislation. End of Extract  

started by: gallois-596133 · last update: 1376218000 · posted: 1375086125

We are newly arrived some three months.  We are on the Pardon have our NIE's.  Our S1's although from Newcastle essentially cover our move from France and where we lived for years. Is it possible please to submit our S1's to Spain without having to apply for residency here?   

started by: fisher005 · last update: 1375790207 · posted: 1375790207

We are contemplating a move to Spain but would need a mortgage to buy a house. I am finding it difficult to get accurate up to date information about the situation. Estate agents say there is no problem but I find it hard to believe that so does anyone have any unbiased information. We are looking to buy a detached villa, inland javea / Jalon valley for around 200,000 Euro and would be looking for a resident mortgage. Are mortgages actually available on non bank owned property? What is the best % loan to value that we could expect to get on a private sale? Thanks for any advice

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