29 Jun 2009 12:00 AM:

Hi wonder if someone can help me understand what spanish withholding tax is? The company that is renting our property out is wihtholding 24% of the rental for taxes.

Also how and when do I need to file spanish tax returns in Spain - I am being quote 350 euros from someone to file them for me but in the UK I file my own - is it easy to do this yourself in Spain or do you need to pay someone to do it for you.

Apologies for the simple questions but am totally confused

 

LMT

 

Thread: New to it all

--------------------------------------

11 May 2009 3:11 PM:

Hi Sharon

 

the mortgage has been in arrears in the last few months but only because the bank were considering a Dacion en pago, and they told us to stop paying the monthly installments - I am today however transferring the funds to get the mortgage payments back on track and intend to continue paying these (even though they are crippling us) until I can get the bank to review the mortgage. Moving to an interest only would be preferrable even for a couple of years - but as they are now not talking it is hard to find a solution

 

 

Thread: bank won't talk to us - can anyone help

--------------------------------------

10 May 2009 11:44 AM:

Hi JUSTIN

 

Many Apologies - in my haste I turned you into Justine

Thank you so much for this I will get in touch with them first thing tomorrow to see if they can help me, I really appreciate your help as we are desperate to get some advise from someone trustworthy

 

Thanks again

 

LMT

 

Thread: bank won't talk to us - can anyone help

--------------------------------------

10 May 2009 11:10 AM:

Hi Justine

Thank you for this, our property is in Lanzarote would the costa advise bureau still be able to help us do you think?

 

Our mortgage is reviewed annually (Oct) but the repayments are crippling us due to a change in circumstances in the UK, we would like to move to interest only or extend the term but can't find anyone in the bank that will talk to us or make a decision.

;-(((

 

LMT

 

Thread: bank won't talk to us - can anyone help

--------------------------------------

10 May 2009 12:00 AM:

Hi can anyone help me, we have a mortgage with Caja Canaries and are still paying a mortgage interest rate of 5.95% - we have been trying to talk to the bank about our options, and how we can reduce this rate by either switching to interest only or extending the term - we are struggling to find someone who can communicate to us in English - can anyone offer any advice.

They are also refusing to return calls to a Spanish lawyer.

Any help gratefully received

 

LMT

Thread: bank won't talk to us - can anyone help

--------------------------------------