Advice Please. We are pensioners with an outstanding mortgage of 90400 Euros with Cam Bank Catral our repayments are 1225.00 Euros per month we have tried to get better terms but have been unsuccessful My younger sister offered to come on the mortgage as guarantor, Despite having a very good job with the UN in Rome she was refused, on the grounds that she did not own property here or live here. My sister then offered to take over existing mortgage this was also refused She must take out a new mortgage with the same Bank 23 year Term 4% variable @ 505 Euros per month Fees 910 Euros for mortgage to be redeemed, 1000 Euros Transfer Fees, 1000 Euros Fees to Bank to set up mortgage and 1700 Euros Notary, Regristration Subrogracion Fees plus 7% Taxes In all my Sister could be out of pocket by over 15000 Euros. My question can this be right? I thought someone younger could take on an existing mortgage and being younger get longer term and lower repayments at perhaps a fraction of these costs Also have the Interest floors being aboilished?, Many Thanks Ann Marie
Press release - Consulate in the Community event – Costa Blanca South Chance to talk to social services, local partners and the Consulate The British Consulate in Alicante and the Pension Benefit and Healthcare team are holding a special evening ‘Consulate in the Community’ event in Torrevieja on Thursday Sept 8th from 19:00-21:00 to address questions and concerns around healthcare and welfare for residents across the Costa Blanca South. Bearing in mind that in Torrevieja and the surrounding areas there are over 50,000 British nationals on the padron, the Consulate knows that it is important to ensure that everyone can get the information they need and get extra support if necessary. The event will be divided into two sections; the first is a “well-fayre”, whereby you will be able to get information from local authorities and different charities that will each have a stand. Uniquely, the Town Hall social servicesand Diputación in Alicante will be there and available to talk to people individually. Representatives of local English speaking charities will also be present - for example HELP, MABS, Age Concern, RBL and many more. The Consulate and Pension Benefit and Healthcare Teams will also be on hand to answer any questions you might have. The second part of the event consists of a presentation given by the Consul in Alicante and the Pension Benefit and Healthcare team to focus on access to healthcare and welfare issues in Spain followed by a short open question and answer session. British Consul Paul Rodwell said “Learning from customer feedback we have created a new dimension to our outreach events that will give British nationals the opportunity to get a wider variety of information from the experts. This means that on this occasion they will be able to talk to representatives of social services and the healthcare authorities from Spain. This is in addition to being able to speak to the Consular team and other English speaking support organisations.” Event detailsCentro Cultural Virgen Del Carmen C/Del Mar, 28, 03182 Torrevieja Time: 19:00-21:00 Anyone wishing to attend can book a place by going to ukinspain.fco.gov.uk and completing the appropriate online registration form. If you are having problems using the online booking form, you can reserve your place by calling 902 10 93 56.
Press release from the British Embassy: Foreign Office Figures Show Arrests Falling in Spain The number of Britons arrested in Spain last year fell by over 13%, according to the latest Foreign & Commonwealth Office report British Behaviour Abroad. Arrests for drug related offences in Spain also decreased by 4.5% over the past year. The positive downward trends for Spain are in line with an encouraging global picture for the year to 31 March 2011. The number of Britons arrested overseas fell by over 10% worldwide, with drug arrests down by nearly 20%. These figures compare with a 2% drop in the number of overseas visits by Britons. Despite the declines, Foreign Office staff still handled 5,700 arrest cases last year, of which 1745 were in Spain. Drug arrests continue to be a significant problem in some countries, with upward trends in South America and the Caribbean, but making up less than 10% of all arrests in Spain. Minister for Europe, David Lidington, said: "We work hard to warn British nationals about the consequences of breaking the law abroad so it is really encouraging to see the overall number of cases of arrests and drug arrests falling. But last year there were still 5700 arrests of British nationals overseas. People are mistaken if they think the Foreign Office can get you out of jail. We can't, but we will work hard to try and ensure your safety, and that you get a fair trial." Aside from arrests, the British Behaviour Abroad report shows that the number of Brits hospitalised in Spain increased 23% to 1024 cases, despite fewer people from the UK travelling abroad last year3. Medical treatment abroad can be very expensive, so to avoid being faced with large bills if taken ill or after an accident, the Foreign Office strongly urges holidaymakers to take out a comprehensive travel insurance policy. Previous research suggests that 15% of Britons travel abroad uninsured, and every year some end up facing bills running to many thousands of pounds. New research launched today by the Foreign Office reveals that 43% of 18-24 year olds in Britain know someone who has taken illegal drugs whilst abroad. It shows that two thirds (69%) of people don't always find out about the laws of the country they are visiting before they go abroad – putting themselves at risk of unknowingly breaking the law. More worryingly a third (32%) of people are unaware that they will always be prosecuted under local law if they break the law abroad - with 6% thinking they will be prosecuted under UK law, 22% thinking it depends on the country they are in and 4% admitting to not knowing at all. Other key findings from the British Behaviour Abroad report: · Spain had the highest number of Britons requiring assistance (4,971 cases), but when total visitor and resident numbers are compared with the number of cases, then Britons were most likely to need consular assistance in the Philippines, Thailand and Pakistan. · The number of rape and sexual assault cases in Spain rose from 45 to 52. Victims of such crimes are encouraged to contact their local Consulate, so that assistance can be offered to them and their families. · Deaths in Spain that resulted in consular assistance fell by 8% from 1786 to 1639. Worldwide, 55% of such deaths were from natural causes. · Spain last year had 12.3 million visitors (source: Spanish authorities) and an estimated 808,000 British residents (source: IPPR – based on Britons living in Spain for a year or longer). Find out how the Foreign Office can help if you get into trouble abroad, at: www.fco.gov.uk/travel Sign up to Facebook and Twitter feeds to make sure you get the latest travel advice: www.facebook.com/fcotravel and twitter.com/fcotravel
Press release from the British Embassy: Spanish Government offers more information in English language to property owners and purchasers English speaking property owners and purchasers are to get greater access to property information in English, under new measures announced by the Spanish authorities. Expatriate home owners and buyers are now able to request a Land Registry certificate (nota simple) in English from the Colegio de Registradores (College of Registrars). A certificate, including the translation fee, costs €29 (plus VAT) and can be requested from the Colegio de Registradores website https://buyingahouse.registradores.org. In addition, a new central government decree (that came into force on 7 July) introduces a range of measures that the Government says will protect property purchasers and homeowners, helping to ensure that purchasers have the necessary information in hand and preventing property problems from occurring in the future. HM Ambassador to Spain, Giles Paxman, said: "I welcome these initiatives. Communicating essential information in English, combined with the measures announced in the decree, should help to ensure buyers are accurately informed of any legal issues connected with a property. "However these measures will not, of course, do anything to help existing homeowners who have been experiencing issues with their properties. We will continue to work with the Spanish authorities to ensure these problems are addressed." British nationals considering buying a property in Spain or experiencing property problems are strongly urged to read the wealth of advice on the property section of the UKinSpain website, available at http://ukinspain.fco.gov.uk/...in-spain/. Further information The measures announced in the 7 July decree include: Allowing properties which are 'fuera de ordenación' to be registered on the Land Registry. The decree says this will protect owners who in many cases bought in good faith, while retaining the 'fuera de ordenación' status and the limitations this implies. Ensuring that essential information regarding the legality of the property is incorporated into the Land Registry. This means that when purchasers request a 'nota simple' from the Land Registry, they will be able to see whether there are or have been any legal proceedings against the property, such as proceedings which may result in fines or demolition. It will now be obligatory for town halls to provide registrars with this information. If town halls fail to provide this information, they will be held responsible for economic damages affecting third parties who bought in good faith. Confirming that it is impossible to acquire rights which contradict land and town planning laws due to administrative silence (this is also included in the Ley estatal de Suelo). This measure clarifies that a licence cannot be granted due to passivity or inaction by town halls. Instead, the transformation, construction and use of land requires administrative authorisation and if the timeframe for a response expires without the individual receiving authorisation, the lack of a response will be considered as a negative decision. Increasing protection for purchasers who buy off-plan from a developer. The decree states that it is not possible to register a new property on the Land Registry unless it has a licence of first occupation, a construction licence and a technical certificate which states that the property corresponds to the plans for which the licence was granted. The full decree is available here, at http://www.boe.es/...11641.pdf Contacts: Requests for further information on the new measures should be directed to the Colegio de Registradores (tel: 912 701 796) and/or the Secretaria de Estado de Vivienda (tel: 915 978 171 / 172). Useful links: Advice on buying a property on the UKinSpain website Advice on the UKinSpain website for those who have encountered problems with their properties The Spanish Government's guide to buying a property in Spain Colegio de Registradores Ministerio de Fomento  Properties which were not built in accordance with current planning legislation but are over four years old and therefore cannot be subject to administrative action to restore legality (demolition).
HelloI would be interested in anyone's experience of moving to Spain while on UK benefits. I have a friend who is on Severe Disability Living Allowance, Income Support, Low mobility allowance and carer's component. What is anyone's experience of exporting these benefits? Also due to the number of medications that this man is on, what is the procedure for getting the same medication in Spain. I believe the S1 form is a part of applying for receiving your medication abroad.Thanks Colin
British Embassy Madrid 20 July 2011 With one year to go, London is now ready to host the 2012 Games – and to deliver a legacy that will create jobs and investment opportunities for Spanish companies With one year to go until the start of the 2012 Olympic & Paralympic Games on 27 July 2012, London is now ready to stage the “Greatest Show on Earth”. Imaginative planning, design and construction by leading British companies have resulted in the completion of world-class Olympic facilities, and ensured sporting, environmental and economic benefits that will transform the east of London in the decades ahead. The legacy of the 2012 Games will create major opportunities for Spanish and other foreign companies to invest in one of the world’s true global cities. Britain wants to attract overseas companies to expand and set up new businesses, creating jobs and prosperity for the UK economy. London 2012 has launched ‘London Prepares’, a major programme to test the now finished Olympic facilities over the coming months. More than 40 world-class sports events - including volleyball, cycling, sailing, rowing and canoeing - will bring top athletes to experience the new Olympic venues and existing sports locations. At an event today (20 July) in Madrid hosted jointly by the Spanish Olympic Committee and the British Embassy, HM Ambassador to Spain, Giles Paxman, said: ‘Britain is a country that delivers what it promises. A year ahead of the Games, London is ready. We look forward to inviting Spain’s elite athletes and to welcoming Spanish companies to see for themselves the transformation of east London and the investment opportunities that are being created. “These Games will deliver an impressive triple legacy of world-class sporting facilities, major environmental improvements and huge economic opportunities that – like Barcelona in 1992 - will transform the city and attract huge amounts of investment in the decades ahead.” With one year to go, the main facilities of the Olympic Park are all finished, including the Olympic Stadium, Velodrome, Basketball Arena, Aquatics Centre and Athletes’ Village. FCC Construcción of Spain is fitting out the International Broadcast and Media Centre that will house 20,000 journalists during the Games. Afterwards the Centre will be converted and offer more than 80,000 m2 of high-quality business space. Major transport improvements that will keep London moving during the Games have been completed, including Stratford station as the main gateway to the Olympic Park. Ten different rail routes serve the station, transforming a poorly-served area into one of the best connected parts of the capital. The strong emphasis London has put on sustainability means the 2012 Olympics will deliver a major environmental legacy. After the Games, the Olympic Park will become one of London’s most important regeneration projects for the next 25 years, and a catalyst for the transformation of east London. It will have five world-class sports venues, 2,800 new homes set around open spaces and waterways, modern utilities and communications infrastructure networks, greatly improved transport connections, and Europe’s largest indoor shopping centre. Nearby Tech City in east London is already home to one of the largest concentrations of fast growing digital technology companies in Europe, up from 15 firms in 2008 to over 300 today. HM Ambassador Giles Paxman said: ‘The Olympic Park and surrounding areas offer enormous potential for Spanish and other international companies to invest – regenerating the area and building new businesses in what will soon be one of the most modern, vibrant areas of Britain.’
The British Consulate in Alicante set up a special Consular office in Valencia this week to support the thousands of Brits attending the Festival Internacional de Benicàssim in Castellón, the FIB. The office was run out of the local Honorary Consulate in Valencia and supported by members of staff from Alicante. The hugely successful festival is very popular amongst Brits who want to enjoy the music, sun and atmosphere of the festival. Knowing that lost and stolen passports would be a problem, the Consulate had met with the local authorities and festival organisers before hand to discuss how best to prevent crime from taking place and how to support the British Nationals if they did suffer loss or theft of their passports. They also carried out an extensive publicity campaign on facebook, twitter, and through the official FIB website to advise those attending how to keep their belongings safe and what to do if anything went wrong. Before the festival week, the Consulate also sent detailed information leaflets to the local police and festival information points so that anyone who did lose their passport would know what to do. The week of the FIB is always the busiest of the year for the Consulates in Alicante and Barcelona, and staff were kept busy talking to victims of crime and their families in the UK to ensure they were able to get Emergency Passports and any other assistance they might need. The British Vice Consul from Alicante, Lloyd Milen, who worked out of the office in Valencia, said "Considering the huge number of Brits that attended the festival, we knew that there would be quite a few lost and stolen passports to deal with. The only good thing is that most of the festival goers had travel insurance, which means that they may be able to claim back the cost of the Emergency Passport that we have issued them today. Otherwise, losing a passport can be expensive." The Consulates in Alicante and Barcelona were equally occupied, with Festival goers flying out of all their main airports. Paul Rodwell, the Consul in Alicante, who coordinated the Consular response, said afterwards "We received lots of positive feedback about our Consular response and it was a great feeling to see all of the Consular teams working flat out to offer high quality Consular assistance. We made the process of getting an Emergency Passport as stress free and simple as possible. The preventative work and liaison with the security forces and festival organisers certainly paid off and I am pleased that the British nationals that we helped were able to get home safely" If you need to contact any of the British Consulates in Spain, details can be found on ukinspain.fco.gov.uk or you can sign up to the British Embassy Facebook page to get news and travel updates on www.facebook.com/Britishembassymadrid
Hi Can anyone recommend a reliable tax adviser in Altea? We have happily paid non resident tax for the last 10 years normally around 250 euro inc fee's but our council have increased our Valor Catastral on our IBI bill by 300 % this year thus increasing my inc tax bill to around 800 euro. I have also been told that the increase cannot be appealed against? We have also been paying non resident income tax on a plot of land (without any buildings on it) which one adviser states we shouldn't be as it doesnt have a property on it and another adviser states we should pay. Has anyone out there also suffered an unrealistic revaluation / increase in there catrastral value and had any success appealing against it? Any advice would be greatly appreciated DBA
There is still a chance to book a place for the British Consulate Open Day in Javea next week. The event will be held in the in the Javea Casa de Cultura on Wednesday 29th June 2011 at 11am and will be opened by the newly elected Mayor, José F. Chulvi Español. Lloyd Milen, the British Vice Consul will be attending from the Consulate to talk about what the Consulate can and cannot do and give some tips for how to prepare for the summer holidays and prevent things going wrong. Laura Leeman, who deals with all matters relating to pensions, benefits and healthcare in the Consulate in Alicante, will give a general overview on what benefits Brits can get in Spain and how to make sure they are properly registered for healthcare. Both Laura and Lloyd will then be on hand to answer questions from the audience and have individual consultations with those who have signed up for one. Remember, you have to register to be able to attend, so if you haven’t already done so, go onto our websitewww.ukinspain.fco.gov.uk and click on ‘Pensions, Benefits and Healthcare’ to get to the registration form. Alternatively, if you have any problems with the online form, you can call us on 917 146 443 to register. The address of the venue is: Jávea Casa de CulturaPlaça de Baix, 603730 Jávea Time: 11.00pm (Doors open at 10.30am)
Hi there Will be moving to your area Oct 2011. Does anyone have an answer to the question above. There is so much conflicting information out there that I am totally confused. Some people say that British Consulates can issue them but I contacted the one in Dublin who had never heard of an NIE. We live in N. Ireland and if we had Irish passports could have got them at the Irish Embassy in Dublin!Are there any Consulates in Mainland GB who would do a postal one for us? Would appreciate any info as they cost a fortune to pay someone to get them for us.Many Thanks.
The Alicante British Consulate team is coming to Javea on June 29th to meet residents and give a presentation on the services the Consulate can offer to its citizens. Laura Leeman, representing the Pension, Benefit and Healthcare team, will also explain what benefits you can apply for here in Spain, and how to make sure you're properly covered for healthcare here and when on holiday elsewhere in the EU. Now the holiday season is starting, it's even more important to clarify exactly what your blue European Health Card covers and how to apply for one, so if you have any doubts, make sure you come! Anyone else who has any queries about how their pension works, where they get their healthcare from or what the real rules are about Winter Fuel Payment, can also get the answers on the 29th. Lloyd Milen, the British Vice Consul, will also be on hand to talk about what the Consulate can and can't do, and to answer questions about living in Spain. Lloyd said "Over the years, many British people have chosen Javea to live making it a really important area for us on the Costa Blanca, which is why I'm looking forward to going there again. I hope as many people as possible are able attend this Open Day and take the opportunity to get their questions answered and find out what their entitlements are in terms of pensions, benefits and healthcare." Space in the venue is limited so make sure you register your place as soon as possible by going to our website ukinspain.fco.gov.uk or if you haven't got access to the internet, you can book your place by calling: 917 146 443 The event details for Wednesday 29th June are: Javea Casa de Cultura Plaça de Baix, 6 03730 Jávea Event starts at 11am Doors open at 10:30am
I'm trying to understand the Spanish income tax system. The Anglo-info advice states "The personal allowance (including additions for age, dependants and incapacity) is not deducted from taxable income but is given as a tax credit against the total tax payable." Can anyone please explain what 'given as a tax credit' means? Thanks for any advice.
I recently asked a question on the forum about income tax and got a helpful response - but not an answer! I have given necessary details to a gestor and now received forms to take to the bank in order to pay our tax. However, I think the tax is very high compared to both the UK and to France, where we lived for the past eight years. However, when I questioned the gestor as to how the tax is calculated her response was, basically, 'I enter your information into the computer and it tells me!' Angloinfo sets out the various tax bands for incomes but, for the life of me, I cannot work out how the allowances are determined as, whatever calculation I use based on the Angloinfo information I simply cannot come up with any answer remotely near to what the gestor's computer tells her! Is there anyone out there who understands how the tax they are paying is actually calculated? I would be very grateful for any help.
Boost for Britain as leading Spanish energy company and international car manufacturers show confidence in UK economy Ambassador hopes Repsol, BMW and Toyota deals will encourage more Spanish companies to look for opportunities in Britain Britain this week received a triple boost to its advanced engineering and manufacturing industries as the giant Spanish energy company Repsol led a number of fresh investments by major international companies in the UK. Repsol has agreed to buy 100% of Sea Energy Renewables, a Scottish company that promotes and develops offshore wind farms. The €57M (£50M) deal represents the entry of yet another major Spanish company into Scotland's energy sector, following both Gamesa and Iberdrola. British Ambassador Giles Paxman said "This is a big vote of confidence in the UK economy and shows how Spanish companies continue to see Britain as an attractive place to invest. Scotland has a quarter of Europe's offshore wind energy potential, and it's great that yet another Spanish company has seized the opportunity to invest in Britain." The news came in the same week as BMW of Germany announced that it will invest an additional £500 million (€565M) in its UK production facilities over the next three years, most of it at Cowley in Oxford, home of the Mini. The famous car has been a symbol of British design and manufacturing for 50 years, and BMW sold more than 8,000 British-built Minis in Spain last year. BMW wants to expand the Mini lineup to seven models, with a coupé version planned this year and the Mini Roadster in 2012 – both to be made in Oxford. Nearly two million of the model launched by BMW in 2001 have now been produced and sold worldwide, twice as many as originally envisaged. In addition, Nissan this week announced that it is to invest £192M (€217M) in its plant in Sunderland, where it will design and build the next version of its highly successful Qashqai car, of which more than 30,000 models were sold in Spain last year. It is also the UK's tenth best-selling car.
Hi Can anyone help? I have a relation who has paid a one off payment to her Bank for Mortgage Protection Payment In italy I have some one who wishes to come on our mortgage to help us get longer term of repayments, Can anyone tell me if there is such as thing as Mortgage Protection Insurance in Spain. Thank You Ann Marie
With Bank repossessions continuing to cause concern amongst property owners in Spain, a new scenario has been openly admitted to, by one of the Major Spanish Banks. It is quite simple, but whether it is ethical or even lawful is another matter. When a property owner has a mortgage debt with the Bank, after requests for repayment of the debt, the next stage in the process of repossession is to generate paperwork and make a feeble attempt at serving the paperwork on the owner. This paperwork is then lodged (often with no signature) on the Court, and owner never gets to hear of the court case. The case is heard and ‘apparently’ the owners could not be contacted so the case is heard in favour of the Bank. This is the ‘subasta’ or auction stage. When the case reaches court it is assumed that the owners have gone back to the UK. This part of the story has been going on for years, but given the right approach and appeal paperwork, can be stopped. Now here is where the new property scam kicks in. The property never goes to auction, as the BANK then buys the property at the LOWEST price they can get away with (never mind what the mortgage outstanding is as the difference can be off loaded as a debt onto the owner of the property). They buy the property out of their property reserve fund. They then resell the property (probably to an employee or friend) at a profit. The sad owner still having the debt lodged against his/her name. In short this is nothing more than property speculation by banks, an activity that was outlawed in the UK some years ago to prevent Estate Agent cashing in and making a fast buck out of peoples misery. More importantly it was banned because it was directly causing property hyperinflation. Remember impartial advice here in Spain is a rare as Dinosaur Eggs. Any comments are welcome and Good luck Homeowner in Costa Blanca (Just !!)
Hi My family and i are selling our apartment here in Calpe ready to move back to the U.K. I have been asking around to find out how much tax we have to pay as we are Not re investing the money into Spain. I have been told lots of different answers and was wondering if anyone knew the right one!Thanks Marie
Last year we moved from France to Spain and have just declared our income to a gestor so we can start payments here. On our modest income we are shocked at the taxes quoted. I checked some examples and e.g. on an income of 30,000€, tax in France is 3760€, in the UK 4564€ and in Spain 6479€. I used the calculator in the anglo-info tax advice and that worked out at 8410€!!!!! There must be allowances but............................. Also, in both the UK and France taxes can be paid monthly to ease the burden but here in Spain it is 60% in May and 40% in November. How on earth do the relatively low paid Spanish folk manage to pay, and live with, such heavy taxes - or am I missing something somewhere??? I might add that the social/welfare services in France are second to non in the world and far in advance of those provided in Spain. So, how do they do it??? Any advice much appreciated!
British residents in Spain urged to persuade guests to take out travel insurance Overstaying their welcome? Drinking all your beer? Not paying for meals? Hosting friends and family from overseas can cause always cause stress, but potentially more serious and costly problems are avoidable – if residents remind guests to make simple travel preparations. The Foreign and Commonwealth Office today called on British expats in Spain to urge their visitors to take out comprehensive travel insurance before they come to stay. The call comes as new research reveals that young people are more likely to spend their money on a present for their host than take out a travel insurance policy (see Notes). A survey commissioned by the Foreign and Commonwealth Office shows that a third of people failed to take out travel insurance the last time they stayed with family and friends overseas. More than three quarters (77%) of those saying they are visiting friends and family this year said that saving money is a key factor in their decision. However, a lack of comprehensive travel insurance cover is a false economy and guests could face serious financial difficulty if they need medical treatment or lose valuable possessions. Over a third (39%) of British guests have relied on their hosts when things have gone wrong during their trip. British expats hosting visitors have faced a range of problems from taking guests to hospital when they fall ill to providing financial help. British Consul for Alicante, Paul Rodwell said: “When friends or family visit, it’s natural for them to feel at ease and not prepare in the same way as they would for other holidays. But things can quickly become very stressful if your guests end up in a tricky situation and lack travel insurance. So if you’re asking guests to bring out your favourite teabags or newspaper, ask them to get travel insurance as well, and save yourself and them from what can otherwise be difficult and expensive situations.” Residents can tell guests to visit www.fco.gov.uk/travel or the ‘UKinSpain’ website for more information.