Risks if the Applicant does not pay the installments?

When you sign a guarantor for a loan , you do not do it just to add value to your personal loan application. In fact, to be a guarantor of a loan means to make a commitment towards the financial institution if the applicant does not pay the installments. If the applicant does not pay the installments, in fact, the guarantor of a loan must provide for the repayment of installments in place of the applicant who does not pay the installments.

If the applicant does not pay the installments and the guarantor of a loan does not repay before the deadline, first the applicant who does not pay the installments, both the guarantor of a loan, are reported in crif as bad payers , and this Reporting precludes, for a certain period of time, the possibility for both to request a new personal loan.

If the applicant does not pay the installments and the guarantor of a loan does not provide for the repayment of the unpaid installments, he will be subject to the attachment of the salary and movable property owned by the applicant. In case of need, even the guarantor of a loan may be subject to the seizure of salary and assets.

To prevent this situation, it is important that the applicant who does not pay the installments, before delaying payment, promptly informs the guarantor of a loan, giving him the opportunity to intervene before the deadline avoiding negative reports that would prejudice future loan requests for both applicant for the guarantor of a loan.

In another article we talked about the laws protecting the guarantor.

How to invest without sin

Should a practicing Catholic earn money by investing in a company that has children working ? In one that investigates with stem cells? And in a company that does not allow its employees to reconcile to take care of their family? How should a congregation of nuns, friars, etc., put up their money ? Should he do it?

These issues that until recently had barely transcended beyond the consciences of stakeholders are gaining relevance. Ethical funds are becoming more and more popular, and even the Catholic Church no longer only attends to the affairs of God but also approaches the earthly and dares to warn that markets are incapable of self-regulation and that their actions lack all ethical .

Borja Barrgán and Az Valor launch the first Catholic investment fund

He has done so this Thursday in a document entitled ” Oeconomicae et pecuniariae quaestiones ” (Considerations for an ethical discernment on some aspects of the current economic and financial system “and approved by Pope Francis .) It also warns of the pernicious effect caused by speculation channeled through tax havens in the economies of the entire planet and criticizes the imprudent management that governments and investors make of the public debt of the countries. “It is well known that important economic subjects tend to seek the socialization of losses, frequently with the connivance of politicians, “the text says.

But aligning financial profitability with Vatican doctrine was not easy . At least so far, since this week the first Catholic investment fund, designed by Borja Barragán and managed by Az Valor , the fund manager founded by former Bestinvert Álvaro Guzmán de Lázaro, Fernando Bernad, Beltrán, has been presented. Parages and Sergio Fernández-Pacheco.

Nuns strolling along Calle Alcala in Madrid Photo Dani Duch (Dani Duch)

Barragán, a fund manager in the style of Wall Street movies, left it all to form Altum Faithfull Investing , an independent financial advisory company (EAFI ) specialized in wealth management of religious institutions. Now, he has designed a fund that seeks to combine “the management of first-line assets” and an advice in line with Catholic principles.

“We are aware that the pure and virginal company does not exist , and that we can not control what each CEO does individually. But if we seek that all the companies in which we invest comply strictly with the social doctrine of the Church, “Barragán explains.

Are condom makers or pharmaceutical companies producing contraceptive or abortive pills left out?

Ensures that it is possible to monetize a portfolio without investing in companies that do not agree with the values ​​of a person. That will be possible to verify from next May 31 that is when this fund begins to quote , although the period of subscription of participants is already open.

For its design, Barragán has tried to avoid the exclusion criteria that dominate in the composition of ethical funds and is committed to inclusion with an individualized valuation of each company. Although they are out of choice companies that attempt against life, in all its aspects even condom manufacturers or pharmaceutical companies that produce contraceptive or abortion pills.

But in general, they assure that they flee from the general categories. “It does not make sense to say, we do not invest in companies that sell alcohol. We will discard those that incite abusive behavior , but why avoid, for example, a winery that makes a good wine, a product so used in the Church, if it cares for its workers and boosts the economy of a region, for example, ” the founder of Altum.

The guidelines set by the investment policy are based on four blocks of principles to be met by the chosen companies: promotion of human dignity , promotion of the family, promotion of human life and care and protection of creation . It will only be invested in companies and projects that comply with these four principles.

Duties and benefits for projects that promote faith

Religious commitment not only applies to external management also governs internally. “We have linked the salaries of the entire workforce, including mine, to the salary level of European Union officials , to have decent salaries but that can never be exorbitant,” explains Borja Barragán, who also explains that ” 100% of the benefits of Altrum are destined to finance projects of evangelization , prayer, missions, etc. “

The fund is not only available to Altrum’s regular customers who are congregations and religious organizations. ” Anyone who agrees with our investment policy and has 100 euros can invest,” explains Barragán. For this type of retail client, the management fee will be 2.2%, and will fall to 1.8% for institutional investors or those who pay a special commission for receiving individualized advice.

The twelve members of the Community of Irrigators of Riaza who auctioned off a public mount were acquitted of prevarication

The Hearing of Valladolid has dictated acquittal in the case of the twelve members of the Community of Irrigators of Riaza that were judged by crime of prevarication for having embargoed and auctioned in 2015 a public mount, property of the City council of Nava de Roa (Burgos) , to collect a debt contracted by the local institution.

The ruling, which contrasts with the twelve years of disqualification requested by the Public Prosecutor’s Office and meets the request of the two defendants’ defendants, is based on the fact that the facts are not of criminal relevance when recognizing that the twelve trustees did not adopt an arbitrary decision. nor knowing that it was unfair since they were based on the advice of the executive collector, as well as on the existing doubts regarding the nature of the farm in question, since it had been cultivated for many years, according to Europa Press. legal sources.

The public accusation, nevertheless, maintained the positions after hearing the testimony contributed by the head of the Territorial Service of Environment of Burgos, Javier Maria Garci’a Lopez, who confirmed the existence of separate requirements sent to the síndicos warning them of the illegality of the embargo and Subsequent auction, being the property in question of a mount of public nature, inalienable and unattachable.

Other witnesses, technicians of the Duero and Seiasa Hydrographic Confederation, a company that executed irrigation improvement works with European funding in the area, agreed that the plot is in an irrigation area and even pointed out that they had never seen before a regable mountain.

His statement and that of the executive collector of the Community of Irrigators of Riaza were put forward by the defenses to request from the court an acquittal, especially after the second explained that he advised the trustees at all times and encouraged them to execute the embargo and subsequent auction of the plot after carrying out the necessary checks, including the consultation of the Cadastre.

Thus, the collector said to work convinced that the reason was on their side and not the Board and therefore went ahead with an operation that seemed the only way to charge the City of Nava the 90,000 euros incurred over five years for not facing during that period the expenses of irrigation of the farm.


In their final plea, the two defenders, one of them representing one of the defendants and the other of the eleven remaining, based their request for acquittal on the conduct of their sponsored elements are not given the criminal type, in concrete the “arbitrariness”, since the decision adopted was supported by objective data and in the belief of acting in accordance with the law, nor the “subjective element”, because the processed receivers acted under the advice of the executive collector.

And this, without prejudice to what is settled in contentious-administrative proceedings before the Superior Court of Justice of Castilla y León, where the Board is located in order to recover possession of the property auctioned.

The members of the Community of Irrigators of Riaza, in the first session of the trial, stated that at no time did they believe that their agreements contravened the law and ensured that their sole purpose was to collect the debt of the City of Nava, in compliance with the law. the Law of Waters and after realizing the pertinent consultations, without forgetting that for a century the property, occupied by irrigated land and vineyards, has been considered like irrigable surface.

“Since I have use of reason everyone has known it as a plot of irrigation!”, Defended the first day of the trial one of the receivers, of advanced age, who declared from a wheelchair.

The trial against a lawyer and his son in Valladolid for defrauding 700,000 euros to a destitute old man in July

The Audiencia of Valladolid will sit on the bench next month of July to lawyer ASVQ and his son AVG who is accused of having cheated 700,000 euros between 2003 and 2008 to an old man, almost blind and deprived of his mental faculties, through various operations of refinancing of this debt, through the signing of up to 18 exchange mortgages, which made them its main creditors.

The trial will be held on July 10, 11 and 12 in the Fourth Criminal Section of the Audiencia of Valladolid, where father and son face possible sentences of eight and six and a half years in prison, respectively, as reported to Europa Press legal sources.

The public accusation typifies the facts as a continued crime of fraud and, in addition to the aforementioned prison sentences for father and son, requests fines, in the same order, of 8,640 and 7,200 euros, in addition to the declaration of nullity of the totality of the bills of exchange and mortgages subscribed.

For its part, the private prosecution, exercised by the lawyer Ignacio Vegas Nieto, on behalf of the alleged victim, raises the prison requests for both defendants to 17 years for crimes of continued fraud, forgery in public and private documents and accounting offense, along with the cancellation of mortgages and the payment of 50,000 euros of civil liability.

In his letter, the prosecutor maintains that ASVQ has been acting for years against third parties through the instrumental companies Inversiones Multiformes SL and Gestores de Hipotecas Cambioias SL, by means of which he contacts with people with debts of considerable amount and negotiates with them his refinancing, becoming in this way a creditor of the same helped, “with full knowledge of the way of acting”, of his son.

In addition, there is no regulated activity of the aforementioned companies nor regularity in their tax returns. They appear as administrators of the same “interposed” people without any capacity for decision, since father and son are the ones who make all the decisions related to the activity of those societies.

In the present case, the alleged victim of the accused is JLGB, already septuagenarian when the facts began and with an important real estate patrimony – he owned 50 percent of the building located at number 21 of Gamazo Street, manager of another 33% of the same as tutor of one of his daughters and owner of another floor in the Paseo de Zorrilla–, although he suffered an illness that ended in his incapacitation by court order in 2010.

The contact of the latter with his alleged swindlers occurred as a result of the old man endorsing a friend in a credit of 35,000 euros for the purchase of a car that was unpaid by the second, so that the bank ended up executing both.

It was from there when ASVQ and his son, aware of auctions and executions, knew the problem of the old man and his friend and took advantage of this situation to always, according to the accusers, cheat the septuagenarian making him believe that they were going to solve the setback giving him a loan, when what they really did was subrogate in the position of the bank to continue executing the deceived and force him to renew one after another more exchange mortgages, and so up to a total of 18, very short term and with an average APR of 75%

The transactions were subscribed through the instrumental companies of the two defendants and on the Gamazo 21 street property, so that the companies are the main creditors of the victim for a total amount of 700,000 euros, including mortgages, interests and costs. .


It is not the first time that ASVQ has problems with Justice. In fact, in 2011 he was disqualified by the Audiencia de Valladolid for a period of two and a half years for the practice of law for an offense of professional disloyalty committed between 2002 and 2004 for the advice given to a client, owner of a transport agency, which required its services to know how to convert into liquid the real estate that was available to deal with certain debts.

The judgment of the Fourth Section of the Criminal Court of the Audiencia vallisoletana was, however, revoked in 2012 by the Supreme Court, which thus estimated the appeal of the convicted against the ruling that also imposed a fine of 5,760 euros for disloyalty professional but who acquitted him of the continued crime of fraud that the Public Prosecutor also accused him and for which he requested five years in jail.

The Supreme justified the acquittal in the conviction that “the activity finally developed by the defendant through his company and that was entrusted to him by his client has nothing to do with the specific functions of the legal profession”, hence, such and As the ruling adds, an extralegal activity and outside of that profession can not become criminal by the mere condition of lawyer of the person who performs it “, since this would be betraying the meaning of article 467.2 of the Penal Code.

In that case, the Provincial Court understood that what happened is that the victim went to the attorney’s office, with 28 years of practice in the Valladolid Bar Association, and what he did was to refer him to his company for loans in the market secondary financial, Multiform Investments, damaging it economically with practices more typical of usury.

The facts investigated at that time go back to 2007 and have their origin in the complaint filed by the transporter Miguel GM, who had hired the services of the lawyer so that he intervened with respect to debts that fell on his estate. Specifically, the employer weighed four unpaid bills for an amount of 103,468 euros and in respect of them a mortgage had been built on the house of the client’s mother and some farms located in Navabuena.

The public prosecution argued that the complainant, faced with the anguished situation he was going through, followed the lawyer’s instructions at all times, believing that he intervened to paralyze the proceedings opened against him. Thus, it constituted an exchange mortgage on the house that the client owned in the La Vega urbanization, in Arroyo de la Encomienda.

Later, the lawyer implicated the debtor’s mother, who figured as a guarantor with a flat located at number 5 on Cerrada Street in Valladolid.

Although the prosecutor understood it proved that the lawyer seized for his own benefit a total of 61,389 euros, amount left over from the liquidation of a house on Avenida José Luis Lasa de Arroyo (29,490 euros) and the one on Calle Cerrada (38,898 euros) ), property of the mother, the vallisoletano court did not give as proven this fact because, as it pointed out, “although there is no evidence that the defendant delivered such amounts to the client and his mother does not appear to be left.”

The Generalitat wanted to issue”exchangeable bonds” cheating the Treasury and was looking for a rating agency for the Republic

The documentation seized by the Civil Guard at the house of the right hand of Oriol Junqueras, the secretary of the vice-presidency of the Generalitat, Josep María Jové Lladó, reveals that the Catalan government was carrying out a whole plan to finance the future Republic.

For this, he had planned an issue of “exchangeable bonds”, deceiving the Ministry of Finance, in order to reintroduce himself into the financial markets; they were looking for a ‘rating’ agency and for this they had held meetings in London with several of them and had deployed a range of meetings in Norway, to seek funding and in Ireland, with the aim of finding out how the debt worked.

This is reflected in one of the reports, which has been accessed by Europa Press, which has been handed over by the Civil Guard in the Court of Instruction number 13 of Barcelona, ​​whose head is investigating the preparation of the illegal independence referendum on October 1 as well as the creation of State structures.

The Armed Institute explains, in a report of 25 photographs, the content of the documentation found in Josep María Jové’s house, where the document Enfocats – which included the road map to reach the Republic – and the Moleskine were also found , which contained a kind of diary about the meetings the independence leaders were having and how the ‘proces’ was progressing.


In one of those documents, whose title is’ State Structures. Projects attached to the Ministry of Economy ‘, Jové exposes the work they are doing for the “economic and financial sustainability of the Generalitat and the financing of the new State”.

Among the actions, a small issue of “exchangeable bonds” was proposed, for which they would request authorization from the State and make it compatible with the Autonomous Liquidity Fund (FLA).

Jove explained how they would do it: saying that “technically” it was going to be argued that the objective was to reduce financial costs with the financing obtained in the issue that would be used to cancel “shuldshein”, which is a type of debt similar to promissory notes, submitted to the German legislation, and that they had used some autonomous communities to finance themselves, among them, Catalonia.

However, in the same text, the right hand of Junqueras recognized that the “main objective” was “reintroducing into the markets”, since with the economic crisis and the intervention of the Treasury that possibility was closed because the rating of the Catalan debt came to be almost at the levels of the ‘junk bond’.

Josep María Jové included this exhibition in the “achievements” that were expected during the months of October, November and December 2016, a quarter in which they also focused on preparing documentation for investors, in seeking advice to conduct a ‘roadshow’ in the financial markets and they worked to find a ‘shadow rating’ agency, which will carry out the qualification of the future Republic.

As for the latter, it is stated that on 13 December a delegation visited London, including the Foreign Minister, Raül Romeva, Natalia Mas and Pere Aragonés. They met with the Canadian rating agency DBRS and with Morgan Stanley, Dutsche Bank, PIMCO and Invesco.


But visits were also made to Norway, Ireland and Slovenia and they planned to travel to the United States and return to London to meet with JP Morgan, Goldman Sachs and Eurasia Group. The trip to Norway appears on the same date as the one in London and there a displaced Diplocat delegation –Diana Coromines, Albert Royo, Jordi Solé and Jaume Doménech– met with representatives of the Norway Export Credit Guarantee. Among the objectives, explore the possibility of “seeking funding”, in addition to exposing the state of the Catalan economy and the different future scenarios.

As for the trip to Ireland, recorded on October 25, 2016, it was to meet with representatives of the Treasury Agency. There were Natalia Mas, Pere Aragonés and Jaume Doménech. They wanted to know how the different entities of the system work, how they manage the Irish debt and treasury, how they have done it and what has to be taken into account in the worst moments of the crisis in which the financial markets were closed.

They also wanted to know how to “get close to potential investors and rating agencies”, as well as recommendations on the best investment banks and the possibility of issuing “retail” debt.


But in addition, Jové explained in that document how the creation of the financial structures of the future State was found. Thus, they already had a preliminary bill for the creation of the Central Bank of Catalonia (BCC) and they were preparing to “begin” to prepare the Law for the Creation of the Deposit Guarantee Fund.

They also had a study that contained all the European regulations that the Central Bank had to comply with and had established contacts with industry experts, specifically, the text says, “with Catalans that work in the ECB” (European Central Bank).

To this it is added that they created a working group of monetary and financial statistics and planned to hire a service company to carry out a study of the “Catalan financial mapping”, which would also allow identifying the “business fabric” and the “turnover” of the financial sphere of Catalonia “.

They also had a group of six people to project the supervisory body of the financial system, the Catalan Investment and Markets Authority and also planned to create the regulatory authorities for other areas such as rail transport, gas, electricity and telecommunications energy services. the National Authority of Postal Services.

Recession in sight: this way the great patrimonies are protected

The world is experiencing the sweetest economic moment of recent years, world wealth is growing above what was expected around 3%. For the first time since 2010, this positive growth affects all OECD countries. Also for the first time in many years growth is not linked to the rise in inflation and prices are contained. In addition, we continue in an environment of low interest rates and corporate profits do not stop increasing what is driving the capital markets and especially the stock markets to record highs.

Faced with this situation, talk about the end of the party seems to be doomsayers, but it is also preventable. This is the philosophy that MdF Family Partners is betting on , an advisory firm for high family assets that manages 10,000 million euros in assets in Spain, the United States and the United Kingdom and that has just published its annual analysis of the House View 2018 market. , where they have no qualms about identifying themselves as the first to leave the party.

“The economy has always been and continues to be cyclical. The question is not whether there will be a recession, but when it will take place, “says Daniel de Fernando , one of the partners who together with former minister José María Michavilla founded the company in 2008. In his analysis, they have drawn three scenarios with different degrees of probability.

Recession in 2018: central bank error

The first would be an imminent recession in 2018. For this, it would be necessary for central banks to make the mistake of raising interest rates too quickly . The Fed already made that mistake in 1937, which caused an increase in unemployment, a collapse in industrial production and a fall in corporate profits of 50%. “The Fed’s restrictive policies end in recession. And there is a delay of between 9 and 36 months before a decision has an impact on inflation and employment, “warns the House View 2018 report.

“It is difficult for this to happen again. The Fed and the other central banks are very aware of the effect that more restrictive monetary policies could have and we believe that they will act with great caution, despite the little margin of action they have. We do not give more than a 20% chance to this scenario, “explains De Fernando.

Recession in 2019: black swan in the market

Who said they had learned the lessons of the previous crisis? The history of economics is full of examples of how humans stumble again and again on the same mistakes. This time it was not going to be different. When just 10 years have passed since the outbreak of one of the most powerful crises in history, the alarms are jumping again.

According to the analysis of MdF we are in a scenario in which the unemployment rate is at the lowest level of the last 16 years (not the case of Spain), at the same time the delinquency is rebounding and the debt has returned to maximums in companies and in the States. “We are in the last phases of the expansive economic cycle and we are returning to commit the same excesses,” they warn.

The scare can arrive in any market. There are plenty of reasons. The S & P’s leading global equity index has been setting records for months. The profitability of the bonds also marks them, but in the opposite direction and there are cases in which you pay for having those bonds instead of obtaining benefits for them. There are huge amounts of money in circulation, but that liquidity is “artificial” fruit the billions injected by all central banks. In 2007, the scare came from the mortgage market that no one was watching. Now, it could be anywhere, and as it was last February when volatility skyrocketed contagion is immediate. “Volatility is no longer a tool to measure market risk. It has become a determinant of risk “, warns the founding partner of MdF, after remembering that there are currently two trillion euros betting on the volatility.

Despite the alarm, the analysis of the House View 2018 shows some caution, and the chances of finding a black swan that brings us back to a recession scenario in 2019, puts them at 30%.

Recession in 2020: inflation rushes

Far more feasible are the MdF analysts that the recession arrives in 2020. A 50% probability is given to the scenario in which inflation is the trigger of the next crisis . “We are in a moment of dormant inflation that closely resembles what happened in 1965”, explains Daniel de Fernando.

According to projections in MdF, a very “plausible” scenario is that in the next 18 months, unemployment will fall in the US to 3% and that implies a necessary rise in wages that will lead to an increase in inflation, which could reach rebound in a “remarkable” way at the beginning of 2019.

The current situation has, according to the report, many similarities with what happened in 1965. Sharp fall in unemployment, core inflation at very low levels, moderate growth, official rate of money adjusted upwards (1.5%), the Fed subject to political pressures, the consideration that there was a change of cycle and that innovations had changed the relationship on inflation and therefore was unlikely to rise.

Now, Daniel de Fernando explains, the same thing happens, but with some nuances that make both analysts and central bankers more cautious. “Past experience also helps,” he says.

In any case, if as in 1965 the rise in wages caused an increase in inflation, the Fed would be forced to make aggressive adjustments which would trigger the crisis. Although the report also contemplates the possibility that inflation is being overestimated and that this could be lower due to measurement errors, which would also add to a wrong measurement of global growth, as economists such as Woody Brock have pointed out .

We believe that a recession is inevitable before the end of 2020 as the production gap is almost nil, demand is growing more than supply and policies are expansive “

Daniel de Fernando Founder of MdF Family Partners

In this situation of more or less dark clouds in the not too distant future, MdF is advising clients to bet on prudence. According to the House View 2018 report, the recession is the most common cause of most bear markets, and to the extent that stock markets tend to advance the behavior of the economy six months prior to the vast majority of the markets. Recessions are bearish.

But since it is impossible to know when those declines will begin, MdF’s most prudent advice to its clients is to “let someone else take the last cent.” That prudence invites us to take advantage of market upturns to get out of the most dangerous pockets such as the US and move investments to Asian markets with more travel and enough liquidity to get out in case of problems.

Prudent investments and cash, the recipe for the next two years

In this line, the credits must be the minimum possible. Never borrow to invest. Investments in the next two years must be of short duration, depending on what may happen at any time.

Betting on industrial raw materials is a defensive attitude to the extent that their prices take time to react to market events and do not get carried away by the generalized drops of the beginning of the crisis. Refuge part of the heritage in gold, is another defensive classic for which also bet on MdF.

In fixed income, the only positive point is seen in the debt of emerging countries in local currencies . And they also opt for the dollar, now very low, than for other currencies. But, above all, they insist: ” There is no need to be afraid of being in liquidity, that will serve as a protection when there is a strong correction in the markets”.

Mataró will provide advice to the Camí del Mig school

The October plenary session of the Mataró City Council (Maresme) unanimously approved a resolution proposal to improve the canteen service of the Camí del Mig School. The debate was not free of controversy because of the dialectic confrontation between the councilor of Education, Pere Galbany and the socialist spokesman and former mayor, Joan Antoni Baron, who is also a teacher of the center affected by the transfer of the dining room.

Despite insisting that the municipality is not the responsible administration, the local government will guarantee the stable legal city council to the fathers and mothers to resolve and normalize again the school dining room service and will study formulas to “negotiate the deferred payment of the debt with the Social Security “that along with other creditors, for the moment, have a cumulative debt of 350,000 euros.

The controversy arose in the plenary when the Councilor for Education, Pere Galbany, referred to the professional and personal relationship of people who once had decision-making power, with the school and the Ampa. The insinuation enervated Josep Antoni Baron, former mayor and teacher of the Camí del Mig school for thirty years who accused the “unworthiness” of the words of Galbany. The former mayor recalled that who had informed in first instance of the economic hole of the AMPA had been the direction of the school.

Police investigation
Baron’s statement outraged the mayor, Joan Mora, who in the post-plenary press conference replied: “If the school discovered the debt, he did not tell anyone,” he cut off bluntly, recalling that the executive was aware of the problem when the Social Security required the Consell Comarcal and the City Council the documentation to seize AMPA subsidies and in parallel, the Mossos requested a series of documents to open an investigation because of the complaint of one of the affected parents.

The mayor, Joan Mora, laments the “demagogy and populism” of some local politicians, who take advantage of the economic crisis of the entity to obtain electoral revenue when “our priority is that children have a plate on the table.” Thus, he recalled the negative reports that make it impossible for the City to rescue the entity as legally “can not take over the debt” as suggested by some parties. “No official is willing to sign a report that says we should intervene economically in the Camí del Mig, it would be illegal,” Mora said.

The mayor also acknowledged that the investigation opened by the Mossos d’Esquadra is increasingly thorough because they have not been able to collect all the precise documentation since “computers, documentation, records and accounting disappeared” from the offices that the Ampa had at school. “We can not do demagoguery, we are facing a first level legal problem,” Mora insisted, warning that once it is resolved, he will not hesitate to “go to the end to ask for responsibilities” and pointed out that, if it is shown that there are officials implied “will open file” and that if there are other responsible, does not rule out going to court to denounce them. The mayor concluded that “the investigation may be slow, but the outcome will be implacable.”

An episcopal project deals with personal crisis via Skype

“I was sunk: I had debts, I needed help, I had to talk about everything … I saw an advertisement for the Bisbat and contacted volunteers from L’Esglèsia ,” says Sara, separated and with a girl. “I was able to talk about everything with someone without taboos, without being judged; they did not scold me, they did not make fun, “he continues. Without close relatives or help from his daughter’s father, he did not see how to get things back on track. “Now I have two jobs and I can make ends meet and start paying off debts,” he celebrates.

This is one of the cases that has already attended the program L’Església surt del Bisbat de Solsona , which offers free advice and follow-up to people who go through personal crises , widow’s duels or illnesses . They also attend, from the Christian perspective, marital problems and unwanted pregnancies with reluctance about abortion.

It has been in operation for two years and currently serves 12 people from three parishes in the diocese. Perhaps the most innovative thing is that personalized attention, offered by about thirty volunteers, is in person and also through Skype video calls. The counselors have been trained specifically for the project or are professionals of social and psychological care.

Without fear of new initiatives

The Diocese of Solsona, directed by Xavier Novell, is already known for its daring. The bishop is in favor of trying new programs and actions, using social networks, deciding on Catalan current affairs and defending an orthodox vision of Catholicism, which until now has been nothing of controversy.

Vanessa Mangas, the social worker of Cáritas coordinates this initiative of personalized advice, details that L’Església que surt is inspired by the call of Pope Francis to the Church to listen much more to the concerns of people beyond faith: “The Bishop thought of the need to have committed lay people coming out and helping those who need it.”

“It is important that a person accompany you and give you advice without belonging to your immediate environment, because sometimes when we have problems, it is more difficult for us to talk to our relatives about what they will think,” he argues. “Better that there is a third, trained and with good intention, that can give that advice,” he concludes.

The cases that come to them are very diverse. Vanesa recalls that of the mother of a boy who consumed toxins: “The program helped her understand that she was not guilty and directed her to a group of mothers who were sharing that pain”. They go as far as they can, assuming the limitations with naturalness: “We did not accompany his son because we are not prepared to carry drug addictions,” Mangas assumes.

“The Word of God can also open the heart to those who have material needs, such as economic, labor or marital problems,” he says. “The material problem is what stands out, but there is always a deeper and greater need behind, and we are going to look for that need”, adds the coordinator. However, the beneficiaries of the service have no further commitment or obligation to the parish, if they do not wish to maintain the link.

Another person contacted the project through the website because she was hyper-educated and she was accompanied: “The volunteer went deeper and saw that there was an economic problem and a structural family problem that led him to spend too much money” , remember Mangas. “He accompanied her so that she felt safe, she became valuable inside the house and with opinion,” she recalls.

Lives broken by a mortgage

Losing the house and staying in the street for not being able to pay the mortgage is one of the most painful consequences of the crisis . Thousands of families have lived or are living in this situation, with a threat of eviction or with their irremediable execution. Lives broken since the economic situation began to collapse. By all it is known that in the particular case of Spain the recession has a very heavy real estate derivative. Between 2007 and 2010 there were more than 270,000 foreclosures, with figures that have not stopped growing year after year and that in 2011 continued to rise. Some sources raise the volume of records to a total of 330,000.

Behind many of these cases there are real dramas. His story is the one collected by these pages of La Vanguardia . They are diverse stories of families, of people from La Canonja, Lleida or Badalona. Three examples that illustrate the seriousness of a phenomenon that demands solutions. For some time now, support groups have been organized for those affected, which, among other actions, prevent evictions from taking place by concentrating on housing to avoid them. The experiences in this sense have multiplied while the citizen’s awareness has grown that one should look for a way out.

The government announced on Wednesday a package of measures to alleviate the most extreme cases, which requires the collaboration of banks, which will be presented with a set of good practices. The most outstanding ones are that they will be asked to give two years of moratorium to families without resources that are going to be evicted and that, if necessary, the price of the housing to be executed is the highest possible. Until now, handing it over – what is known as dation in payment – was not enough to pay off the debt. It is also planned to reduce the high default interest. Financial entities may deduct tax losses that may arise. The antidesahucios citizen organizations see it as insufficient.

“They condemn us to hide”
By Esteve Giralt (La Canonja)

They did not want to live beyond their means nor did they buy the house of their dreams. Magda Martínez and Manuel Fernández, born in El Prat de Llobregat and Cornellà, decided to move to Tarragona, eight years ago, looking for a cheaper flat. They found it in La Canonja, on the outskirts of Tarragona, for 204,000 euros. It’s been almost three years since Manuel, the family’s main economic support, was unemployed. Your apartment is now owned by the bank, which also claims a debt of 85,000 euros. His eviction was scheduled for today, after consummating the foreclosure and auction of his home, now owned by a bank.

“They leave us homeless and with a debt for life, they condemn us to live in hiding, in the underground economy, as if we had done something wrong, we are trapped”, summarizes Manuel. The couple, who has three children – 13, 9 and 4 years old – asked for help from the Platform of Affected by the Mortgage. With their advice and the help of the City Council of La Canonja, Manuel and Magda, 42 and 33 years old, have started a fight that has delayed their eviction for 30 days. “What we want is to achieve the payment of your mortgage,” explains Joan Bel, spokesman for the Platform in Tarragona.

“They help us to pull ahead,” says Manuel looking at Alex, his young son. His wife is the only one who now brings some money home, employed for hours in the cleaning sector. “Look, good news, more work,” she says after answering her boss’s call. Its situation is desperate, because with what enters Magda, about 110 euros per month, and the subsidy of Manuel, of 423 euros, is not enough. “We have started going to Cáritas to ask for food,” they say.

They remember a recent past with more than enough income to pay the mortgage and arrive at the end of the month without hurry. But his mortgage of just over 600 euros became, with a review every six months, an unbearable stone of 1,400 euros. The rise coincided with the unemployment of Manuel, driver with a salary of 2,400 euros per month. “We can not fall deeper, but we are not alone, there are many in our situation,” says Magda. Their tenacity has led them to publicly denounce their situation. “Most do not ask for help because of embarrassment,” explains Bel, who proudly says that the platform managed to obtain payment in the event of an eviction in Reus.

Manuel and Magda look with skepticism on the government’s announcement to extend the evictions two years and introduce the dation in payment in the case of families without income and unemployed. “It’s a balloon probe,” they predict. This couple says that if they want them to leave the apartment with the debt behind them, they should come before the Mossos. “We’ll hold until they take us out, and if they throw us out, we’ll come back,” says Manuel.

“They have thrown me out of the house and I have felt humiliated”
By Javier Ricou (Lleida)

The story of Germán, his wife, Mari Mar, and the daughters of the couple, Natalia (9 years old) and Nelly (2.5 years old), is that of an eviction with all the ingredients of the times. Germán bought a flat in the Bordeta neighborhood of Lleida in 2003. He then worked as a tiler in the construction sector. He signed a mortgage of 130,000 euros and in the bank, remember, all were facilities and congratulations for the new acquisition. Apartment with three bedrooms, two bathrooms, generous living room, spacious kitchen and two balconies, with gallery. At that time Germán’s salary went from two thousand euros a month and with the help of his partner could afford to pay about a thousand euros of mortgage. Things began to go wrong in 2005. Germán separated from his first partner and had to pay him 60,000 euros in exchange for staying with the apartment. He went to the bank and again they were all facilities, they left him that money and his mortgage was extended from 130,000 to almost 200,000 euros. This neighbor from Lleida started a new relationship with Mari Mar, who has a daughter (Natalia) from a previous relationship and Nelly was born two and a half years ago. As the two had work they were able to face the mortgage. But in 2009 the life of this couple took an unexpected turn. Mari Mar was fired, she says, after getting pregnant with Nelly – she has denounced the company for which she worked as a hairdressing assistant – and Germán was a victim of the collapse of the construction sector. Both stayed, from one day to another, without work and with two daughters to keep. And the bank with which they had the mortgage has not forgiven. “First they stayed for two years the little more than 400 euros of subsidy and then they have executed without mercy the eviction”, affirms Germán. “They told me I was number one on the list of defaulters, I felt humiliated,” adds the young man. The couple no longer lives on the floor, although there are still boxes and packages to be removed, and they have settled in the house of some friends. “We have left because I am afraid that one night they will come and kick us out, with the girls inside,” Mari Mar affirms. Germán has given everything up for lost, but the bank, she says, has not yet finished her work. “In addition to staying the floor, they ask me for 100,000 euros more and it was my parents who supported me,” he reveals. And that is what hurts the most. “My mother has suffered a deep depression because now she thinks that they will also take the floor from her.” Throughout this process, Eduard Baches, spokesperson for the Platform of People Affected by Mortgages in Lleida, advises them.

“It seemed that we were all going to win”
By Luis Benvenuty (Badalona)

Juana, his wife, wanted to leave the office of the director of the branch, but the real estate agent took her arm and told him that everything was done, that he did not have to worry about anything … His son did not see it clearly either. “But I believed the whole movie, I convinced them,” says Enrique Amaya, 59, a pensioner from the badalona and battered neighborhood of Sant Roc, practically illiterate. Here the seized floors are counted by dozens, just like the squatters after a kick in the door.

“I regret every night of that day, I just wanted a loan to marry my son … And I ended up rehypothecating my house and my son’s to buy another in Ciutat Meridiana and then sell it and earn what we needed,” he says. bitterness in a ramshackle apartment of less than fifty square meters on Avenue Alfons XII. “We did not even fix it because we do not know when they will throw us out … It’s that we were all going to win …”

It was the year 2007. The financial system was full of excessive joy. Then, adds Enrique, his pension was just under 600 euros, and the salary of his son of about 900. Now the lawyers (ex officio) of Enrique try to have the judge reconsider his decision and process the case through criminal proceedings . Like scam. But everything points to that in any case this story will be settled by the civil. “Now we owe almost 600,000,” Enrique continues, “I already see everything lost … This summer my wife and I were going to stay in the street, but the Platform of Affected by the Mortgage stopped our eviction. new date, we are destroyed, we do not sleep at night, we take painkillers, and I want to die, but before … “

And it is that the crisis came and the floor of Ciutat Meridiana was never sold, and the excessive joy of the financial system stopped boiling. And then came the quotas and the constraints, “a thousand and one for this, a thousand and one for the other …”. “And my son is evicted next Wednesday, he has a wife and two children, he is unemployed, he has not been helped, he has not left home for weeks, depressed, with dizziness.”

“The floor of Ciutat Meridiana was already seized last year, I never wanted it … I regret it every night, the bank keeps everything, but they do not throw us out, they give us a rent we can afford. floors do not work for them This neighborhood does not come to live normal, these houses have rotten cement, the banks do not know what to do with these floors, that is why so many evicted people kick their door to the house, to squat it “.

President Morales again under the eye of Justice in less than two years

The President of Guatemala, Jimmy Morales, is again under the eye of the Justice for a case of alleged illicit electoral financing in 2015, and the Congress, which sheltered him last year and kept him immunity, could again be your best ally in this new application for immunity.

The Public Prosecutor’s Office (MP) and the International Commission Against Impunity in Guatemala (CICIG) requested the preliminary hearing against the president on Friday, considering that in his capacity as general secretary of the National Convergence Front (FCN-Nación) party did not report to the Court Supreme Electoral resources for the presidential campaign.

And the currency is for now in the Supreme Court of Justice, which has to give green light to the impeachment. If the petition is admitted, the process has to be transferred to Congress.

In September of last year, the Legislature refused on two occasions to withdraw immunity from the president to be investigated for the same crime that is now suspected. That case was filed.

The Congress remains the same. Its president now is Álvaro Arzú Escobar, the son of the late metropolitan mayor and former president of Guatemala Álvaro Arzú (1996-2000), who was a great ally of Morales.

The vice president of the Legislature, Felipe Alejos, about which he also weighed allegations of influence peddling, said that if he were to reach parliament, the president’s request for impeachment would not prosper.

The deputy assures that he will not allow the president to be “hit” and that the country be destabilized, and attributes the legal actions against him to “an excessive and systematized hatred” orchestrated by the commissioner Iván Velásquez and the ex-prosecutor Thelma Aldana , who does not hide their political aspirations.

Political analysts also do not believe that the process will receive the vote of the 105 deputies for the head of state to be subjected to an investigation, and the “corrupt pact” in Congress could emerge victorious again.

In his first statement, the president said that he respects the rule of law and trusts “in a procedure framed in law and alien to political interests.”

In addition, it leaves in the hands of the institutions enshrined in the Constitution of the country the “solution to this new cause” promoted against it.

The general prosecutor and head of the MP, María Consuelo Porras, who was accompanied on Friday by the CICIG commissioner, the Colombian jurist Iván Velásquez, whom the president tried unsuccessfully to remove from the country last year after the first request for immunity, says that the request for the immunity of the president to be lifted is to begin an investigation.

Both the United Nations agency and the Office of the Prosecutor have the testimony of several powerful businessmen who admitted having financed the FCN-Nación campaign in 2015 in an anomalous way.

That party received, according to the preliminary investigation, more than 7.56 million quetzales (more than 1.01 million dollars) for the first and second round of elections held on September 6 and October 25, 2015, respectively.

The new complaint adds the discovery of 359,899 quetzales ($ 48,114) of party financing to pay for the training of the then candidates, Jimmy Morales and Jafeth Cabrera, current vice president of the country.

Of this account, the funding that was not reported to the Electoral Tribunal exceeds 7.92 million quetzales (1.05 million dollars).

Last April the group of big businessmen who gave money to illegally finance the campaign of the now ruling party showed their repentance and apologized to the people for taking “haste” that decision in the context of a political crisis.

In 2015, allegations of corruption against the then president, Otto Pérez Molina, and his vice president, Roxana Baldetti, led to protests in the streets until they resigned. Both are imprisoned and prosecuted for various crimes.

It was the perfect springboard for Morales, who was better known for his facets as a comedian on television than as a politician, to jump into the arena and win the presidency of Guatemala.

If the Justice does not reach it, the current president will conclude his mandate on January 14, 2020.