surprising charges

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17 Mar 2013 10:21 PM by mitziedog Star rating. 8 posts Send private message

Hi there,

 

I have owned a property out in Algorfa for about 6 years. Recently on my last two bank statements I've had a couple of extra charges come out, one for a Non-resident accreditaion commission and the other is a General directorate of police fee. No word of warning from the bank or anywhere else.

Anybody else heard of these or had the same happen recently? Appreciate any comments

 

Thanks Rob





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18 Mar 2013 7:22 AM by johnzx Star rating in Spain. 5242 posts Send private message

 

Holders of non-resident bank accounts have to provide a certificate, issued by the Documentation Section of the police to prove they are still non-resident. I believe it is every two years.  It may vary from bank to bank..
 
The customer can either do that themselves, but most banks will do it on their behalf. 
 
Your charges are the banks charge for their work and the cost of the certificate.

 

 QUOTE

Some of you may have been advised by your bank that you need to provide them with a non-resident certificate or have the account frozen. The measure is still confusing as different lenders are applying existing legislation (a mixture of 1991, 1997 and 2007 sets of regulations) differently and whilst some are requesting the certificate electronically, from the appropriate government offices (at a charge of around 15 to 20 Euros), every year, others have requested that the bank account holder provides a hard copy obtained at the Police Station within 15 days from being notified failing which their bank account will be frozen. In these cases the certificate is valid for 2 years after which date the bank will request it electronically.

 


This message was last edited by johnzx on 18/03/2013.



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18 Mar 2013 8:36 AM by mitziedog Star rating. 8 posts Send private message

Thanks for that reply. We hadn't had any notification from the bank that it going out and this is the first time it has been taken, i have emailed them to ask their own opinion. As for the police fee thingy, that remains another hidden charge mystery?!, unless they are both the same charge taken over a couple of months.

Regards





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18 Mar 2013 8:43 AM by johnzx Star rating in Spain. 5242 posts Send private message

It is two charges, the bank and the police.

 

It has been in effect for a number of  years. 

 

My son is Non Res, we have never had a notification,  his bank have just gone ahead and done it.  If the cert is not produced your account gets frozen.

Maybe you missed the charge last time or our bank forgot. 

It is a 'normal' charge.

 


This message was last edited by johnzx on 18/03/2013.



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18 Mar 2013 8:48 AM by mitziedog Star rating. 8 posts Send private message

ahh,... understood, thanks!





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