FROM DAVID SEARL FOR JULIE AND OTHER POSTERS Who told you that you needed a new NIE form, Julie? As we have posted before on this thread, and on others, NIE is for always. As to the "resident" and "non-resident" bank accounts, the holder of the "non-resident" account is...

FROM DAVID SEARL FOR LITTLEEAK AND OTHERS, 1. I certainly agree that prior notification for all tax bills and other municipal charges would be a very good thing. But they don't do it and they save public money by not going to the expense. 2. Almost all Town Halls have a website where they list the t...

FROM DAVID SEARL FOR AARONSM A man has died. We shall suppose that he is a UK citizen who died in the UK. It would be the same for any other country. He left no will. Therefore the people who believe they are his inheritors go to the Probate Court and apply to be declared as inheritors. The Probate ...

FROM DAVID SEARL FOR SCOUSER AND OTHER POSTERS How do I check on debt against a used car? This is the original poster’s basic question. Q. When I go to buy a used car in Spain, how can I be sure that there is no debt charged against it, such as outstanding back time payments or taxes or traffic fine...

FROM DAVID SEARL FOR AARONSM, EL CID AND BEACHCOMBER My goodness, Aaronsm, you are getting a good deal of sound advice here from El Cid and Beachcomber. Let’s try to keep it simple. 1. A foreign national with assets in Spain, either real estate or movable assets, dies without a will. He is an offici...

FROM DAVID SEARL FOR DAVEA In fact, your urbanisation does not comply with all the regulations of the Horizontal Property Law. We shall see why. Thank you for your clear and cogent explanation. It appears complex because the situation is complex. To sum up: 1. It appears that your 502 properties, wh...

FROM DAVID SEARL FOR KATHY, JOOL AND OTHERS, Did anyone read Jool's post, citing the relevant section of the Andalusian law on pets in restaurants? It says there is no blanket prohibition, but the operators of each establishment may decide to prohibit the entry of pets. They should post a sign to th...

FROM DAVID SEARL FOR TJTOPS AND BEACHCOMBER All correct as Beachcomber cogently notes. We are pleased that your lawyer was a star and all went through as desired. For your files, ask now to see your lawyer or accountant's preparation of Form 210, which will declare the exact amount of capital gains ...

FROM DAVID SEARL FOR JOHNM 1. Banks in Spain are responsible for due care and diligence in handling their customers’ money. However, if they make a mistake, they will try to get out of it. 2. If you have a complaint about the bank service, you generally go first to your local bank manager. If he doe...

FROM DAVID SEARL FOR JOOL Yes, Jool, it is as you feared. The bank will continue to pursue the mortgage debt. The debt is a loan. We can call it a mortgage, but it is a bank loan, with the property as security. If you lose your house in a crap game, or a court orders it sold at auction, it does not ...

FROM DAVID SEARL FOR PARILLA No, it is not true. The four-year period refers to tax debts only. The period for personal or business debts is 15 years. If someone owes you money, either, say, for a personal loan, or in a business operation, you can initiate legal proceedings against them for the foll...

FROM DAVID SEARL FOR WAZJULIE AND OTHER POSTERS 1. To answer the original question, yes, it is normal and the law permits, an account which is blocked or “frozen” to keep up all standing payment orders, direct debit, domiciliados, to maintain the property or insurance or teevee payments or whatever....

FROM DAVID SEARL FOR SCOTTY AND PARILLA Sorry to be so long about it, Scotty. Everything Parilla says is correct. Yes, the Horizontal Law prohibits any alteration to the facade of the building, which means that it is not legal to enclose the terrace of any apartment. So you look around and maybe thr...

FROM DAVID SEARL FOR JOOL AND OTHER POSTERS A civil servant or other government service pension, such as military and including municipal job pensions, is taxable only in the country of origin. A Malaga Hacienda official told me: "For us, these UK pensions simply do not exist." So you need...

FROM DAVID SEARL FOR DAVEY Removing flower beds and replacing them with gravel certainly alters the appearance of the Community area. This is an action which must be approved by the assembled owners at the AGM. The President has exceeded his authority in this case and can be called to account for it...

FROM DAVID SEARL FOR MALAGAMAN, JOOL, BEACHCOMBER, DEVILS ADVOCATE AND ALL POSTERS Hot topic, what? 1. Regular participants in this Forum have already been warned here that such mechanisms are in place to enable cross-border orders to seize assets in another EU country. 2. All good posts, regarding ...

FROM DAVID SEARL FOR WESTEND It is true that macro-communities present one more level of complication and give rise to a new set of communication problems, at the very least. 1. My people simply cannot understand how you can form a macro-community with 103 owners, three of whom are Communities and 1...

FROM DAVID SEARL FOR ICARU AND MANY OTHER POSTERS First, to you many other posters. This thread seems to have become unravelled. For Icaru The Spanish banks for the past few years have subscribed to a common practice whereby, in cases where the lost or stolen credit card or bank card is used with th...

FROM DAVID SEARL FOR TECHNOBEAR Let's get serious. Did your seller have a title deed, an "escritura", registered in the Property Registry? If so, when you signed to purchase the property, was this deed the legal description of what you purchased? It should be entered in the Property Regist...

FROM DAVID SEARL FOR BEACHCOMBER Yo, Beachcomber, We just had our IT systems re-done and it seemed like a cool name. I firmly insist that "upgrade" is perfectly straightforward while "regularisation" is indeed oblique. The "upgrade" means that we know exactly what we ar...