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I agree. No new referendum is needed. Just a government that is strong enough to revoke A.50 and tell those that don't agree to get over it
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Easy, just reverse a democratic decision voted on by the largest ever turn out to vote on something.
Are you for real?
😂😂
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Hugh - then you tell us the EU is highly regulated on one hand then tell us it’s not the EU s fault if certain National governments are inept or even corrupt.
Which is it?
I believe the anti-EU sentiment in Britain was in part created by a fundamental misunderstanding of what the EU actually is its role and purpose. That was either by design in the case of the media and certain political groups and either lack of interest or ability to comprehend.
With the best rationale possible it surely is far better to remain a member of the EU with very advantageous terms than being forced back in a very short time to rejoin under a cosh on terms Britain would find difficult to stomach.
The goals of the European Union are:
- promote peace, its values and the well-being of its citizens
- offer freedom, security and justice without internal borders
- sustainable development based on balanced economic growth and price stability, a highly competitive market economy with full employment and social progress, and environmental protection
- combat social exclusion and discrimination
- promote scientific and technological progress
- enhance economic, social and territorial cohesion and solidarity among EU countries
- respect its rich cultural and linguistic diversity
- establish an economic and monetary union whose currency is the euro
- https://europa.eu/european-union/about-eu/eu-in-brief_en
- What it is NOT is an organisation that replaces national states elected government on any level or rules members states in the commission of their elected purpose. In order to achieve it's fundamental aims and aspirations, it issues directives to the member states. After extensive consultation and democratic process in line with treaty agreements and obligations most of which are none binding.
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This message was last edited by Mickyfinn on 04/07/2019.
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Time is the school in which we learn
Time is the fire in which we burn.
Delmore Schwartz.
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Typical, argue over semantics, your article does suggest it was the largest ever mandate but whatever, under a democratic system which gave everyone a chance to have their say and where each and every vote counted you omit to explain how you tell 17 million people that we don’t want to listen.
PS anything above 50.1 % represents a majority
Mickey, wholely agree but many would suggest the UK interprets all EU rules and directives as Gospel, while many other EU countries ignore when it suits National interests.
Try telling the Greeks and many of the lower paid or unemployed EU citizens of your third point and perhaps remind the bureaucrats of the EU of what you suggest it is supposed to represent.
This thread however is slowly reverting back to Brexit which no one wants and as Ads has said, it is ok for people to disagree, that’s what democracy is supposed to resolve.
This message was last edited by hugh_man on 04/07/2019.
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The B word permeates everything right now, every discussion, every consideration. In in my own life, I have not been able to take some major decisions because of the uncertainty, simply not knowing what kind of future we face. It's costing everyone who lives in Europe and EU citizens in the UK enormous anguish. I am utterly fed up with it but still feel I must continue to contribute in any small way I can to prevent the looming disaster Britain is inflicting on itself.
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Time is the school in which we learn
Time is the fire in which we burn.
Delmore Schwartz.
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In YOUR opinion Mickey, can’t we leave it there.
No one is listening anymore.
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_______________________
Time is the school in which we learn
Time is the fire in which we burn.
Delmore Schwartz.
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Sorry, it is long...
Law shifts to favour mortgage borrowers
Getting a Spanish mortgage is now cheaper, more flexible and comes with better protection thanks to changes in the law that came into effect in June.
Spain’s new mortgage law (La Ley Hipotecaria) is good news for property buyers in Spain who need to borrow. It gives lenders less power to charge additional fees and tie in customers to other products. Key points of the new law include:
- Borrowers are now obliged to pay only an arrangement fee and valuation cost. Lenders or banks must now pay all other costs associated with a mortgage application, including stamp duty (AJD) and fees for the gestoría, notary and land registry.
- To improve protection and ensure borrowers are fully informed, lenders must provide more detailed information sheets (called FEINs) outlining the terms of their mortgage offer. They are also obliged to give customers a cooling off period of at least 10 days before they commit to a mortgage offer. Before signing the mortgage deed, the borrower must now make an extra visit to the notary without the lender during which the notary will test the borrower to check they understand the mortgage terms offered to them.
- Lenders can no longer insist that customers buy additional financial products, so-called tie-ins, such as life insurance, buildings insurance (which remains a legal requirement from an approved provider), pension products or credit cards. Lenders wishing to promote these products must provide two versions of a mortgage deal – one with the products, the other without.
- Early repayment fees have been reduced and are now capped, while floor clauses have been banned completely. In addition, the new law imposes more transparency on advertised APR (TAE) rates and has shifted the rules governing repossessions in favour of borrowers.
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Will the banks abide by these new laws or find ways to diddle and cheat anyone it can? Will Spanish lawyers ensure these new laws are enforced or will it remain a case of not our problem, you did not ask?
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There is enough in the world for everyone, but not enough for the greedy!
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Always good to hear of improving regulation especially from the outset of mortgage, so good question Kavanagh as regulation is only as good as the willingness to adhere to this law, and thereafter if there is a need to defend these new rights it’s dependent on timely ability to enforce the new law and be adequately recompensed in that process.
One other practical query, do notaries have to be able to converse in the language of the mortgagees, as how can they ensure that their role in this is adequately accounted for, or does this require that all mortgagees have to have legal translators on hand to assist?
When a mortgage debt is reassigned to a venture fund, does the new law stipulate that the mortgagee MUST be advised of this change, and is it correct to say that with this change there should also be a right to have any “unjust enrichments” by the venture funds acknowledged?
What I mean by this is....if any mortgagee’s circumstances changed and they subsequently found it difficult to meet the existing payments, and threat of repossession ensued, does the mortgagee have rights to reassess their ability to pay by , for example, buy to rent agreement options or the like, and a realistic current valuation of that asset, thus giving them the opportunity to retain the property in the interim agreed periods and avert repossession in that process? Wasn’t this currently being defended via a complaint to the EU, but sadly the EU have stated they have no ability to protect in this regard, and this now has to be brought before the EU Parliament?
I also wondered if the law with regard to early repayment ( redemption) will be applicable to venture funds when mortgages have been subsequently sold on, as the vulture funds appear to be unregulated.
I wondered therefore if this was a get out for the originating Banks that held the mortgage book, having to adhere to redemption protections, by selling on their mortgage book, and the venture fund thereafter were not obliged to adhere to mortgagees early redemption rights?
Perhaps Maria could clarify?
This message was last edited by ads on 05/07/2019.
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Very good to hear Perrypower, but as Kavanagh has suggested the whole crux of problems within the finance industry is 5he strength and ability of its Regulators and all over the world they have let down the consumers impacted previously.
The are already Many Spanish financial regulations which are generally ignored by many banks.
Not much better in U.K. where banks have been seriously accused of forging signatures on repossession papers.
Will the FCA investigate?
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