Portal de Lorca
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Francisco Jodar has asked the 9 banks with a presence in the city with which today held a meeting to appoint a party to the mediation processes that start with the free service launched by the City Council with the Bar Association.
l Mayor of Lorca, Francisco Jodar, this morning held a meeting with representatives of financial institutions with a presence in the town to explain the various initiatives launched to help the City Lorca families who are at risk of eviction and request their collaboration.
In this sense, the mayor along with the Dean of the College of Lawyers of Lorca, Javier Campoy, have explained the agreement signed by the entity and the city to advise and equalize power between families and banks in these processes.
At the same meeting, in which representatives of the Bank participated Mare Nostrum (Cajamurcia), Bankinter, Barclays, Santander, Caixa, Banco Popular, Deutsche Bank, Sabadell CAM and BBVA, the mayor has asked the institutions to appoint a single contact for mediation processes are initiated by complimentary launched by the City.
In fact, during the meeting some of them have already designated to facilitate the work.
As you may recall the city of Lorca was the first in the region to sign a mediation agreement and free advice for Lorca having mortgage payment problems, in which they advise, accompany and to intermediate with financial institutions in order to avoid eviction situations.
Jodar Lorca said that "once again again a pioneer in the implementation of initiatives that, in this case has a preventive character, it provides free legal support from the outset to avoid a situation gets more complicated ".
In this regard it should be noted that the City fund the service with a contribution to the Bar, in exchange for which the lawyers inform families about the possibility of addressing the difficulties of paying the mortgage on their habitual homes, advise of custom shape on the specific procedures to be performed before or at the start of the event of default on the mortgage, help you find solutions agreed between the debtor and the bank for situations that have or improved outlook, with certain changes in the relationship can get effective solutions that do not result in foreclosure, and even use residential brokerage mechanisms for situations related to possible foreclosure. "
"This service is aimed at families in Lorca who are already immersed in foreclosure proceedings or likely to be affected by residential risk situations that can lead to foreclosure on your property residence," said the first mayor.
So, are considered as potential beneficiaries of this agreement those families who, although they have failed to pay, they need information on the possibilities and consequences of a possible default.
Similarly, those who although they have failed to pay, seek a solution with the lender, since it can not be expected to pay the required fees and brokerage for better conditions to continue paying.
Also included as potential care situations in which it has failed to pay but has not yet filed a complaint in order to seek guidance and mediation with the lender to avoid the filing of the complaint, as well as situations in which has failed to pay, has filed a complaint, and the citizen is in any of the procedural steps, including launching.
The income of people requesting these services income must not exceed 2 times the minimum wage per month in the case of a person; 2.5 the minimum wage in the case of 2-3 members in the same family unit, 3 times the minimum wage if are 4 members, and 5 times the IPREM in the case of five or more members.
The mayor said "we will be next to those who need our help immediately, as we have always done, but above all we will open an avenue with which to help their own families to prevent crisis situations for which no occur. "
Affected service office
In this sense, we must remember that for a little less than a month launched in the House of Sport office these citizens care with attention Monday, Wednesday and Friday from 9 to 14:00, which is granted appointment for legal advice and intermediation and indicate the necessary documentation.
In this way these Lorca already have a point of reference, informing them both that legal remedies available to them as of the homes available for rent and even from where they are derived from the aid that they can offer through social workers.
Also, from the Department of Housing has launched a bag of homes available for rent, which may be adding that citizens want to include at a reasonable price and in habitable condition.
Finally, the mayor said that "the primary goal of this council is to help and assist all families who are suffering the consequences of the economic crisis that we are suffering today. Come first for us people and under that premise we are working. since the Consistory are offering, through the agreement, a useful and convenient for citizens who are against such difficulties in housing, which will also provide the potentially affected will benefit from the new measures put in up to date by the Central Government as the moratorium on evictions for families with more difficulty, law protecting families who are struggling to pay a mortgage and housing the social fund, which Lorca was one of the first municipalities to join. "
The capital gains tax will be paid by banks
In addition to these measures, the City Council approved the week that are financial institutions that have to deal with the payment of capital gains tax in lieu of payment cases regulated by law to support mortgagor recently approved by the Government.
Finally, the mayor stressed that so far from Social Services has been helping the few citizens who have turned to raising municipal area were having real problems to deal with the payment of your home.
Source: Ayuntamiento de Lorca
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