The chit-chat area

Hi - I am new to this forum my name is karen my friend jo has bought an apartment she flew out today and is probably cleaning away at this very moment - she is staying for 10 nights (some by candlelight from what i can gather) I am going out next weds (electric on by then fingers x'd) just thought i would let you all

know jo is attending meeting on 28th - i will print off latest posts etc to take with me next week to keep her up to date on your concerns and will let you all know if she has found anything out about any of your queries while she is there - I am looking forward to finally staying at Don Juan after watching its progress from an empty hill :-)

Hi Karen

Which block and floor are you in?

Hi - block 4 1st floor in the middle (sorry not sure which no but has the large rounded balcony) which block are you in?

Hi All

There is no problem with the electricity connection. Normally the electricity Company needs a few weeks to instal the individual electricity meters and to arrange the contracts. We have been told that these will be signed on Thursday 20th September  and that the connection will take place before the end of September.

Westport

               I believe that the time is coming, when all the occupants have signed for their apartments , that payback will be justified.  Let me explain,  I purchased my apartment in March 03 from a well known estate agents on the Costa Del Sol.  I was given a receipt stating completion time approx 24months.  Four and a half years later we are near completion. 

               When I last contacted this estate agent they were very dismissive and told me to speak to my solicitor. who in turn did not reply to any phone calls or E-mails for six months.   The builder is a law unto himself, and dictates procedure as he feels fit,  So to all the buyers of these apartments keep this forum going after the completion, so that all these so called professionals who will be monitoring these pages,  will be in no doubt that their arrogant ways will be published for any interested person to read.   I apologise if these facts either bore or offend anyone,  but I am sure there are lots of other buyers with more horrendous stories than mine who will like to express their feelings more freely after completion. 

               And finally to all the people who have contributed so much to this site with information and pictures a big thank you.  

                                                                                                                                                                               Bevron.

Hi All

Where is the best place to get contents insurance from ? - Buildings insurance automatically comes with the mortgage but we are not sure what to do about contents as we will need it by completion - What have others done ?

Thanks

Mo and Chris

Hi Max

Congratulations on your registration. I am sure it was a long drawn out process, like everything else in Spain. I see your Spanish is coming on well. I cant speak a word of it, yet found it very easy to translate. Just go to   http://babelfish.altavista.digital.com/translate.dyn . learning Spanish seems easy.

Westport

Hi  Max,

I enjoyed the homework but there are two words that I could'nt translate although they may seem obvious, maybe you can give the correct translation

We are residents of Spain with the incripción in the Central Registration of Foreigners and from now on we have a Spanish business ofical! 

Hi Mozza & all

For buildings & content cover, we have just got cover from a company called Intasure. Their website is http://www.intasure.com/?introducer=200000  We got contents cover for £98,(€140) that has old for new cover, accidental damage cover and no excess. I told her we were willing to pay an excess to reduce the cost, but she told me it made no difference. I had suggested £150 excess, but it was her that told me to pay no excess and the quote was the same. a bit of honesty for once. Its a shame some of it wouldn't wash off on our developer friends hey. She is emailing me the policy terms, and sending 2 copies in the post, one in English and one in Spanish. Out of interest she gave me a buildings & content quote. This came to £126 (€177). toget these policies you have to be non resident for atleast 6 months of the year. It does not have to be 6 months in succession. She advised me to let  my bank know a month in advance of the buildings cover expiring, so that we dont get screwed again, and that the mortgage provider may ask for a copy of  your new builldings & content cover, before they will cancel theirs. Those of you living in Ireland, it might be worth a try getting cover from them. Call 00 44 208  2746777. They were very friendly and helpful on the phone. They are based in Croydon, London. Their phone number is 0208 274 6777.

hope this helps some of you.

Westport

Do we need contence covered before we can sign? We are going out on the 5th of October to sign that morning, so hopefully we will have our keys on that afternoon. any one that has already signed can you advise me what to do to be prepaired.

Do we need any documents with us?

Dose any one know is Ikea open yet?

Thanks to all

Lorraine and Eoin

Hi Eoin

You dont necesarily need contents insurance, obviously only if you have furniture put in on the day. You will need buildings insurance in place, normally whoever is providing your mortgage will stitch you up for the first year with their policy. Also, its a good idea to request the formms for setting up a will in Spain before you get there. Just fax it or scan it and email the details back to them, and arrange an apointment to complete the wills. Not sure if you have to go to the Notarys office for this. Ikea is supposed to open some time in October. You might need to bring birth certs /passports etc. We are going over on the 2nd of October until the 9th. do you want to meet up for a drink. A friend of mine who lives out there has just taken over an Irish bar in Los boliches we could maybe go for a pint there. Email me to let me know if you want to meet up.

Good luck

 Westport

Hi Eoin

I forgot to say, make sure that your Spanish will does not over ride your Irish one. Make sure it says it is for only for your Spanish estate.

Westport

Hi Max and \Westport,

Thanks for the advice,

 Westport Which pub dose your friend own is it the Pogs. Yes we would to meet up, If the Fri or Sat suits just let me know.

We are going over on the Thu but we have the meeting in the notary early on Friday morning so better not go to mad on the thursday night. Then we will be going to the apartment in the afternoon all going well and we get our keys so if you are up there we will see you we are in block 5 come over for a cold cup of tea in the dark.

Lorraine and Eoin

We did not take the developers mortgage as we wanted more flexibility and have managed to secure a good mortgage but have been quoted ridiculous amounts for life cover - we are now thinking of taking out cover in England if we can but I am not sure we can equal the Caixa one very easily

Could anyone tell us what sort of policy the developers bank was giving and what is it based on exactly because it seems so cheap and like Westport said how can they give it without any medical history ?

Has anyone else acquired life cover for the mortgage independantly of their mortgage or been able to get a good one from the mortgage provider they have gone with

We need help and all info will be gratefully received

Thanks

Maureen and Chris