Problems after buying a villa in the costa blanca spain?

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Emma

Where is your house?

I live on the costa Blanca and we are having problems round our area with illegal builds.

I agree with 1 of the other answers get together with your neighbours and get a solicitor or form a group and hold a meeting with your mayor.
Do you get a suma bill? Because if you get a suma your solicitor might have the deeds, but i hate to say there has been so many back hands from builders to mayors your house might be illegal.
I hope everything works out ok for you x

p.s let us know where you are!

houghton weaver

Spain - Important Information
1) Please ensure that you will have full title to the property on completion and that the 'Nota simple'(this is the document that confirms the legal registration of the property), is available for the lender. This document is required before a valuation can be carried out.

2) If the â€˜Nota Simpleâ€™ states that the property is â€˜Rustica or Rusticoâ€™, it must also state that the property has been registered as a â€˜Viviendaâ€™; this means the property has been registered as a â€˜habitable dwellingâ€™ and the lender will be able to obtain a legal charge against it.

3) With new properties, find out the date the property will be registered in your name(s), as the lender cannot lend on the security of the property until it has been registered.

4) Whilst all reasonable steps will be taken to secure the loan on your overseas property as soon as possible, delays may occur due to the Spanish legal and administration system.

5) Check with the estate agent/vendor that you are aware of the costs charged by the legal & government authorities for purchasing a Spanish property, noting that the lender will have their own legal costs for assigning the loan (the cost of which they will normally advise when they issue the mortgage offer).

6) It is essential that you take the appropriate independent legal advice if purchasing a new property as would be expected if you were purchasing in the UK.

7) Please be aware that the Notary may be incorporating within his charges, costs for assigning the mortgage and you should establish with the Notary the actual cost before proceeding with a loan application

8) The completion of a Spanish mortgage takes place in front of an appointed Spanish notary and all parties to the mortgage, including the vendor, lawyers and a representative of the lender need to be present. However a power of attorney may be used to sign on your behalf for the mortgage and land deeds. A copy of this power of attorney will need to be presented to the lender in good time before completion.

9) A Spanish bank account will be required and some lenders offer this as part of their service, but not all.

10) It is advisable to arrange your mortgage finance before agreeing to purchase a property. You should never sign anything or make a deposit without ensuring your deposit is re-fundable and you have taken independent advice.

sasha

definately find a good abogado. if we knew where you live maybe could recomend one.

Psycho Dave

No go to the local government and ask or get a solicitor on to it

jims_pc

When you completed the purchase of your house at the notary you should have recieved a document called a copia simple, this is an abridged version of the deeds, it will clearly state you as the owner of the property and detail all the facts about the property, its location, and all the relevant numbers such as the finca no, folio no etc etc.

If you have this it proves you are the legal owner! do you have a certificate of first ocupation, are you connected to services such as water and electricity in your name? if you have all this its just a case of asking your solicitor to chase a copy of the escritura.

Captain Sarcasm

Get a Spanish lawyer on to this straight away. The more time that passes the worse this will get.

Carousel

Well, what has your abogado to say on the subject. That would be the first person to ask. IÂ´ve seen people wait over 12 years before getting their deeds. Not a happy situation.

rose1

Contact Mercedes Rico of Ricos Solicitors in Torrevieja (offices just off the front by the huge wall of water fountain. )She is an excellent lawyer and can help if anyone can. Everyone in her office speaks English. Many of my former clients have used her with excellent results.

music guy

sounds like you just got screwed.....like 6 and a half years ago

Joan el guiri

Get in touch with the other suckers and hire a good lawyer between you.
After such a long time, it is more than likely that the cash has disappeared with the developer, but you never know your luck.
Have you reported what looks like a fraud to the police? Of course not. You're English!

You will note that information is available on the internet about buying a property in Spain. The problem is that such information must obviuosly be of a general nature and often ignores local current affairs. Things change fast in today's Spain.
I've often been asked to help Brits in Spain but have given up long ago as they never believe me when I tell them that they are being robbed.

The country has a different attitude to fiscal crime, lying notaries, crooked accountants and false audited accounts. They do not see it as wrong.

As they say in Spain, 'the English leave their brains at the Airport!'

pps. A good ploy when buying a house in Spain is to get a local mortgage. The lender will ensure that the place is legal and that you own it befor you get the mortgage. You can then pay off the mortgage knowing that the house is really yours.

Nick D

Why would you want to buy a villa there, anyway? It's ghastly!

I bet you don't even speak Spanish and just eat egg and chips every day.

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