Search found 20 matches

by Screagle
Wed Oct 02, 2019 9:46 am
Forum: Food, Drink, Recipes & Gastronomy
Topic: Milky coffee
Replies: 15
Views: 1249

Re: Milky coffee

In our neck of the woods, if a milky one shot coffee is required then we order cafe manchado or cafe man-chow in local dialect. On a hot day ordering a cafe manchado templado means using or topping with cold milk. With a bit of luck you'll get milk stained with coffee or worst case the other way rou...
by Screagle
Tue Oct 01, 2019 9:25 pm
Forum: Living in Andalucia
Topic: National bank transfer fees?
Replies: 4
Views: 1578

Re: National bank transfer fees?

Thanks, Paddy Pumpkin I'll give the IBAN a go next time Having done some further digging with my Santander account if I select Envio Estandar instead of Envio Inmediato the charge is one euro (unchanged) to my existing beneficiaries which is odd as the description says six euros as well or free(!). ...
by Screagle
Mon Sep 16, 2019 8:29 pm
Forum: Living in Andalucia
Topic: Free ATM Machines in Torrox
Replies: 1
Views: 443

Re: Free ATM Machines in Torrox

Yes, last week Caixabank took me by surprise with this charge as well wanting 2 euros for withdrawal so I walked away. Alas, as I had a plumber waiting to be paid I ended up using a nearby BBVA who were a bit cheaper at 1,87 euros. Later in the day with more time on my hands I found that UniCaja did...
by Screagle
Thu Sep 12, 2019 9:13 am
Forum: Living in Andalucia
Topic: Credit card fees for car hire
Replies: 23
Views: 2985

Re: Credit card fees for car hire

I'll have some time to kill on my next trip to XRY so will ask for Firefly's complaints book - providing I'm not having the dash for the train into town or my inbound flight is not cancelled by strike action! I'll prepare the complaint in Spanish and English and show it to the staff before requestin...
by Screagle
Tue Sep 10, 2019 12:08 pm
Forum: Living in Andalucia
Topic: National bank transfer fees?
Replies: 4
Views: 1578

National bank transfer fees?

Although I was pretty disgruntled with Banco Popular they only charged one euro for making transfers to other Spanish bank accounts. Having been replatformed to Banco Santander they want six euros (!) for the same service. How on earth do they justify that? In the letter explaining the changeover th...
by Screagle
Fri Sep 06, 2019 7:59 am
Forum: Living in Andalucia
Topic: Credit card fees for car hire
Replies: 23
Views: 2985

Re: Credit card fees for car hire

Received confirmation today from my credit card provided that I've been refunded for the credit card fee as well as not being billed in the currency of my choice so happy days. I have written to the car hire organisation to complain about the fee and application of direct currency conversion without...
by Screagle
Fri Aug 30, 2019 9:32 am
Forum: Living in Andalucia
Topic: Credit card fees for car hire
Replies: 23
Views: 2985

Re: Credit card fees for car hire

The car hire organisation was Firefly Car Rental at XRY. I would imagine the CC fee is part of their general T&Cs and not specific to this location. Another gripe I have with car hire organisations in general is that even if you request to be billed in euros they still convert to GBP applying Di...
by Screagle
Fri Aug 30, 2019 7:14 am
Forum: Living in Andalucia
Topic: Credit card fees for car hire
Replies: 23
Views: 2985

Re: Credit card fees for car hire

This is what the EU has to say on this matter: "Traders in the EU are not allowed to charge you extra for using your credit or debit card. " so technically this is a breach of EU law - interesting! Although the fee might be trivial for some I'm nonetheless surprised this car rental firm co...
by Screagle
Thu Aug 29, 2019 7:14 pm
Forum: Living in Andalucia
Topic: Credit card fees for car hire
Replies: 23
Views: 2985

Credit card fees for car hire

I thought it was not legal to charge a fee for using a credit card. A car hire company seems to do this as a matter of course and it is in their T&C's but that does not make it right. They don't charge a fee for using a debit card. What is the legal situation here? The fee is 3,30 euros + VAT br...
by Screagle
Fri Jul 26, 2019 9:42 am
Forum: Travel, Tourism & Destinations
Topic: Car hire - local taxes and airport surchages
Replies: 0
Views: 2748

Car hire - local taxes and airport surchages

Hope this is the right place to post this query. We'll be picking up a hire car at Jerez Airport La Parra in a couple of weeks. The hire includes local taxes but the conditions state that an airport surchage applies being a hefty 8%. Is this not a local tax? I queried this with the intermediary but ...
by Screagle
Tue Jun 25, 2019 10:47 am
Forum: Living in Andalucia
Topic: Electricity Bills
Replies: 14
Views: 2370

Re: Electricity Bills

If Endesa is your supplier then has a 'smart meter' been fitted (contador de luz con telegestión)? That might also help identify unusual useage. Take a look at your standing charges as well. I too found myself paying over the odds compared to my local neighbours. It seems that the family we purchase...
by Screagle
Tue May 28, 2019 9:12 pm
Forum: DIY, Pools & Home Improvement
Topic: Artificial Grass
Replies: 6
Views: 1565

Re: Artificial Grass

We had an artificial lawn laid on our 1st floor 80 sqm tiled roof terrace almost three years ago. First I got my installers to overpaint the existing grey caucho coating with brown caucho then the rolls were glued and taped in the usual fashion. As the rolls were not being installed over earth it wa...
by Screagle
Thu May 16, 2019 7:51 pm
Forum: Living in Andalucia
Topic: Shopping around for contents insurance
Replies: 14
Views: 1295

Re: Shopping around for contents insurance

Hadn't thought of using a broker as I'm not expecting to pay much more than 80 euros per annum for the cover I'm looking for but it's a good suggestion none the less. Just realised that an insurance broker in spanish is a corredor de seguros / mediación / correduría and there's a few of these in tow...
by Screagle
Wed May 15, 2019 5:38 pm
Forum: Living in Andalucia
Topic: Shopping around for contents insurance
Replies: 14
Views: 1295

Re: Shopping around for contents insurance

Great call, spanish_lad! It served up directseguros.es (AXA) as the cheapest at a competitive 72 EUR for the details I presented. Of course when I clicked on the web offer link it was busted. Anyway I'll be following up...

Saludos
by Screagle
Wed May 15, 2019 5:17 pm
Forum: Living in Andalucia
Topic: Aeroporto de Jerez
Replies: 3
Views: 575

Re: Aeroporto de Jerez

The ticket machines were working fine on Monday when I arrived. They default to selling Cercanías tickets for local train services being 1,80 euros for one stop to Jerez. If you catch a Media Distancia train then Cercanías tickets are not valid according to the platform annoucement which is in Spani...
by Screagle
Tue May 14, 2019 10:40 am
Forum: Living in Andalucia
Topic: Shopping around for contents insurance
Replies: 14
Views: 1295

Re: Shopping around for contents insurance

All great advice here - thank you all very much. What actually prompted this was a cold call to my Spanish mobile from Santalucia Seguros yesterday. I wonder how much of a coincidence that I was in Spain? Anyway, I'm going to follow up all suggestions here and if I spot a local insurance office and ...
by Screagle
Mon May 13, 2019 4:11 pm
Forum: Living in Andalucia
Topic: Shopping around for contents insurance
Replies: 14
Views: 1295

Shopping around for contents insurance

So we've had the contents of our three-bed 1st floor flat covered by Allianz since purchasing the property outright back in 2004. As I recall it was arranged through our bank - Banco Popular. We are non-residents and don't rent the property out. It is solely for personal use, being family and occasi...
by Screagle
Fri May 10, 2019 3:22 pm
Forum: Living in Andalucia
Topic: Sabadell Spain to Santander UK
Replies: 8
Views: 1293

Re: Sabadell Spain to Santander UK

I'm a frequent user of Transferwise. Prompted by this thread and out of idle curiositly I ran CurrencyFair against Transferwise for a notional 500 EUR to GBP and Transferwise came back with a couple of Pounds more than CF. Although their fee is higher than CF the rates are sharper should you conside...
by Screagle
Wed May 08, 2019 9:38 am
Forum: Living in Andalucia
Topic: Comments and queries re FAQ for Non-resident income tax
Replies: 1375
Views: 294628

Re: Comments and queries re FAQ for Non-resident income tax

Thank you very much to both Enrique and Beachcomber. I'm going to arm myself with a screenshot of the ponencia parcial as well as my IBI payment receipts from 2018 and trot into the snappily named SPRyGT on Banda Playa next week to see if I can get something in writing. Alas, I'm probably not alone ...
by Screagle
Tue May 07, 2019 9:09 pm
Forum: Living in Andalucia
Topic: Comments and queries re FAQ for Non-resident income tax
Replies: 1375
Views: 294628

Re: Comments and queries re FAQ for Non-resident income tax

Hi I'm bracing myself for completing the modelo 210 for my vivienda this weekend for 2018. Thought now might be a good time to clarify a couple of points on this popular topic regarding application of the 2% or 1,1% rate to my IBI valor catestral to derive the 210 (4) base imponible. So my municipio...

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