Tuesday, 16 March 2010

Letter to Señor Don José Luis Rodríguez Zapatero

(Courtesy of Keith Donovan)

Good day,

The attached are of a letter posted (Hard Copy) on the 15th March 2010, to Señor Don José Luis Rodríguez Zapatero as both Prime Minister of Spain and as the current President of the EU.

Other hard copies have been sent to –

Sr. Javier Vallés Liberal, Oficina Económica del Presidente del Gobierno,

Sr. Mariano Rajoy

Señora Rosa Diez

Should you wish to, please feel free to forward this missive to whomever you feel may be interested.

It appears that Señor Zapatero is attempting to blame the autonomous communities throughout Spain as the cause of the current and ongoing problems with the Construction and Property scandals enveloping Spain.

However, Central Government must be responsible for the Spanish Constitution as I have laid out in the attached letter.

Article 47 of the Spanish Constitution states: "All Spaniards have the right to enjoy decent and adequate housing. The public authorities shall promote the necessary conditions and establish appropriate standards in order to make this right effective, regulating land use in accordance with the general interest in order to prevent speculation. The community shall have a share in the benefits accruing from the town-planning policies of public bodies"


The Spanish Constitution has been reformed once (Article 13.2, Title I) to extend to the citizens of the European Union the rights as outlined above.


Protect all Spaniards and all the peoples of Spain in the exercise of human rights, their cultures and traditions, languages and institutions.



Keith Donovan

Dear Sir,
The Spanish police are to be applauded for their superb detection work in every sphere and at every level of Spain’s community! Over the last 3 months alone we have read of the seizure of tons of Cocaine and other drugs and the arrest of the perpetrators. Every day we read of the arrest of more people on corruption charges up and down the length of the county. Murders are tracked down and brought to justice as are ETA terrorists and their helpers.
So, how IS it that the Property Developers, Promoters and Construction companies appear to be above the laws of Spain?
This group appears to find every way they can to duck or evade or get around the laws of Spain written so as to protect the house buyers!
It appears that the Government of Spain still does not understand what is going on and have injected Spanish taxpayer’s money into the banks that backed the builders and as a result have lost BILLIONS of Euros. Through there own stupidity and greed the banks expect the Spanish people to bail them out. It is estimated that there are something like 1,500,000 – 2,000,000 buildings that have either been built, half built or abandoned. How may resales? Another 1 million?
If we accept that the exposure of the banks to the builders could be of the order of 300 billion Euros - the opinion of a securities analyst that the exposure of the banks to the cedulas ALONE is nearly another 300 billion Euros (plus other classes of more conventional mortgage backed-securities, which are possibly at least as large), then we are talking about an injection of something of over half of one years GDP in Spain.
That these property developers have been allowed to break so many laws by not meeting the legal obligations and infringing urban law is breathtaking: *They do not guarantee refund of deposits. By law they have to! Law 57/1968 rules that developers will have to provide free of charge to the purchaser/s a bank guarantee or Insurance Policy to guarantee the refund of their stage payments plus 6% interest in the event of the developer becoming insolvent. What do the Developers always say?” We are too big to have to follow this law” and ignore it? Why is that allowed? *They do not guarantee indemnification for possible damage to the building. *They do not build to the building regulations stated by law, concerning noise; humidity/damp; thermal insulation; accesses for handicapped & elderly people. *They charge the buyer for builder’s electricity & water, this is prohibited by law. *They do not provide a licence for the work nor a license for first occupancy, without which the buyer will not be able to contract electricity, water & gas supply. In some cases that is not true as I have water and electricity even though I do not have a Certificate of Habitacion. 7000 dwelling, no Certificates of Habitacion! *They use contracts that are previously written with abusive clauses against the buyers. My (Spanish) lawyer laughed out loud (and then apologised) when he read the piece of paper that covered my 10 year builders guarantee! He asked if I had read and understood what I had signed, I said yes BUT if I did not sign it they would not give me the keys and I had a removal van with all my goods in it waiting outside! Why did he laugh? The document stated that any building work required on the building or surrounds, any extra work, wall heightening, pool building etc, in fact anything within the boundaries of my house HAD to be carried out by a named builder! If I did not use this named builder for work and arranged others to do it at half the cost, then my guarantee would become null and void. The named company was owned by the builders Father-in-Law! Nepotism, restriction of trade, creating a monopoly – all against Spanish law.
And they demanded the last payment in cash, I wonder why!
*They use solicitors that are on the payroll of their companies, they charge their fees through these firms, making proof of payment more difficult.
*They hand over the properties without them being finished, with damage and construction faults that affect habitability of the house or the whole urbanization.
*They make multiple extra charges: damage repair; finishing incomplete work; legal action, contracts, disputes & reclamations.
*They declare themselves bankrupt when they receive judicial reclamations so that the buyer has to then “quita” (which means, be paid less), and also has to “esperar” (which means, in most cases waiting years to recover part of the money).
*They walk away from urbanizacions that are incomplete and leave the people on them with no electricity, no water, no sewerage and the Spanish Government does nothing!

How is it that the political party in charge of a particular town can approve a development and 3 years later another different political party is voted in and declares the development illegal?
How fair is that?
If I owned a bank and a builder asked me for a multi million Euro loan I would say no problem BUT:- *There would be a Bank Manager/Supervisor allocated to the project and be involved in all stages of the projects development. *Any sale would be carried out with the direct involvement of the bank.
All stage payments would be paid directly into the bank and NOT to the promoter etc, etc.
Maybe they could also ensure that all workers on the sites are legally employed and paying Social Security payments?
The banks that are in trouble now are begging for a bailout and the people of Spain are all paying for these reckless, greedy, venal, lazy and incompetent banks as they are rescued with Government money and, as Governments have no money, they only have the Spanish people’s taxes to rescue these banks. They have speculated, gambled and lost, with your money!
The amount of corruption involved in the building industry is mind blowing, and what had been uncovered thus far is the tip of the iceberg. Every day I read that more Politicians, Mayors, Councillors, Architects, Planning Officers and other municipal staff have been arrested on corruption charges.
If the Government want to find out the full extent of this corruption then all they have to do is investigate every large urbanization created over the last 10 years or so. They will be horrified at the numbers. (And the millions of Euros in (untaxed) Black money) and Social Security payments illegally evaded.
And, even now, promoters want to build more new urbanizacions! As nobody in Europe would be foolish enough to buy off plan anyway, Spain HAS to diversify away from concreting over their lovely country.
Article 47 of the Spanish Constitution states: “All Spaniards have the right to enjoy decent and adequate housing. The public authorities shall promote the necessary conditions and establish appropriate standards in order to make this right effective, regulating land use in accordance with the general interest in order to prevent speculation. The community shall have a share in the benefits accruing from the town-planning policies of public bodies”
The Spanish Constitution has been reformed once (Article 13.2, Title I) to extend to the citizens of the European Union the rights as outlined above.
Protect all Spaniards and all the peoples of Spain in the exercise of human rights, their cultures and traditions, languages and institutions.
The Spanish people are paying dearly for the greed and corruption of the Property
Developers, Promoters and Construction companies and the Banks!
Eventually the EU will lose patience with Spain’s inability to cope with this scandal
and that could lead to the loss of hundreds of millions of Euros in aid!
Lastly, according to the Corruption Perceptions Index produced by Transparency
International, Spain ranks as the 32nd worst performer as found in 13 independent
surveys! That says it all really!
The perception of Spain is that it is on a downward spiral and the people of this country must realise that as long as Central Government down to the local mayors ignore the facts laid out above then there is no hope for the foreseeable future in Spain regaining it’s pride.
Yours Sincerely
Keith Donovan

Estimado Presidente Señor Don José Luis Rodríguez Zapatero,
¡Hay que aplaudir los esfuerzos de los cuerpos y fuerzas de seguridad del estado por su excelente trabajo en todas las esferas de la comunidad española!
En los últimos tres meses hemos leído que han requisado toneladas de cocaína y otras drogas, así como han llevado a cabo multitud de detenciones de los traficantes.
Cada día, leemos noticias de arrestos de gente con cargos importantes, por delitos de corrupción a lo largo de todo el país.
Tanto asesinos como terroristas son perseguidos, detenidos y llevados ante la justicia.
¿Entonces, como es posible que suceda, que los Empresas Constructoras, Promotores y Constructores están por encima de la ley?
Parece que estos grupos encuentran todas las formas posibles de evadir las leyes y normativas escritas para proteger a los propietarios.
Parece ser que el gobierno de España todavía no entiende lo que esta pasando y han inyectado el dinero de los contribuyentes en los bancos que apoyaron y respaldaron a estos constructores, y que ahora ha resultado en una perdida de BILLONES de euros. Y en estos momentos de crisis derivados de su propia estupidez y avaricia los bancos esperan a que el pueblo les salve de la quema.
Se estima que hay entre 1.500.000 – 2.000.000 edificios construidos, medio construidos y abandonados. ¿Y cuantas reventas? Quizás otro millón.
Si aceptamos que el descubierto de los bancos hacia los constructores poder ser al orden de 300 billones de euros –la opinión de un analista-es que SOLO el descubierto de los bancos hacia las cédulas es casi otras 300 billones de euros (más otros tipos de seguros hipotecarias convencionales, que quizás son iguales de cuantiosos), entonces estamos hablando de una inyección económica de mas de la mitad del PNB de un año.
Se les ha permitido infringir tantas normas a estos constructores que es para quedarse sin aliento.
-No garantizan la devolución del depósito.
¡Por ley lo tienen que hacer!
La ley 57/1968 dice que los constructores tienen que proporcionar, sin cargo alguno al comprador, una garantía del banco o una póliza de seguro para garantizar la devolución de los pagos por fases mas un 6% de interés, por si acaso el constructor se vuelve insolvente.
¿Por qué dicen los constructores que son demasiados grandes para que se le aplique esa ley? Y lo ignoran. ¿Por qué se les permite eso?
-No garantizan indemnización por posibles daños al edificio.
-No construyen según la normativa en base a ruido, humedad, aislamiento, accesos para minusválidos/ancianos?…
-Cobran al comprador la luz y agua del constructor. Esto también es ilegal.
-No proporcionan una licencia de construcción, ni licencia de habitabilidad. Sin las cuales el propietario no podrá conectar ni luz ni agua. Es ciertos que en algunos casos esto no se cumple, en el mío por ejemplo, no tengo certificado de habitabilidad, pero tengo enganche de luz y agua. ¡7000 residentes y ni un certificado?…!
-Utilizan contratos previamente escritas con cláusulas abusivas para el comprador. Mi abogado (español) se rió cuando leyó la garantía de construcción que me cubría para 10 años. Me pregunto si había leído y entendió lo que había firmado, dije que sí, pero que si no firmaba no me daban las llaves y?… ¡Tenia una furgoneta de mudanza fuera con todos mis pertenecías esperándome!
¿Por que se reía? El documento decía que cualquier obra que había que hacer en el edificio o sus alrededores (piscina, muros exteriores, etc.) TENIAN que realizarse con una compañía en concreto. Si no utilizábamos esta compañía y buscabamos otro que nos lo podría hacer a la mitad del coste, la garantía quedaba nula.
Dicha compañía pertenecía al suegro del constructor.
Nepotismo, restricción de comercio, creaciones de un monopolio – todo en contra de las leyes españolas. Y encima querían el último pago en efectivo, ¿Por qué será?
-Utilizan abogados que están en sus nominas, meten cargos para estos, haciendo demostración de pagos bastante mas difícil.
-Entregan las propiedades sin acabarlas, con daños o con fallos de construcción que afectan la habitabilidad de esa residencia o quizás a toda la urbanización.
-Se declaran insolventes y ellos reciben reclamaciones judiciales, dejando el comprador con una pérdida (changed this part to “leaving the buyer at a loss” as it dosn´t make any sense to directly translate what was written) y en muchos casos esperando años para poder recuperar parte de su dinero.
-Abandonan urbanizaciones inacabadas, dejando a los residentes sin luz, agua, alcantarillado, ¡¡y el gobierno españñol no hace nada!
¿Cómo es posible que un partido político, a cargo de un pueblo aprueba una construcción y que tres años después con un cambio del partido y declaran esa misma construcción ilegal?
¿¿Eso es justo?
Si yo fuera dueño de un banco y un constructor me pediría un préstamo de millones de euros, yo diría: claro, ningún problema, pero?…
-Habrá un encargado/supervisor puesto en el proyecto y estaría involucrado en todas las fases del proyecto.
-Cualquier venta seria efectuada involucrando al banco.
-Todos los pagos serian pagos directamente al banco, no al promotor, etc.
-Posiblemente podrían asegurarse de que todos los trabajadores en la obra están contratados legalmente y con seguridad social.
Los bancos que tienen problemas ahora están pediendo ayuda y es el pueblo quien esta pagando a estos bancos vagos, avaros, incompetentes, sin cuidados?… solo se salvan con el dinero del gobierno, y como el gobierno no tiene dinero, solo tienen los impuestos para salvar a estos bancos. Han especulado, han jugado con TU dinero y lo han perdido.
La cantidad de corrupción en el sector de la construcción es increíble y lo que se ha descubierto hasta ahora solo es el pico del iceberg. Cada día leo que más políticos, alcaldes, consejeros, arquitectos, planificadores municipales y otros funcionarios han sido detenidos por cargos de corrupción.
Si el gobierno de verdad quiere encontrar toda la corrupción tendrá que investigar todas las grandes construcciones echas en los últimos 10 años. Estarían horrorizados con los números, y los millones de euros en dinero negro y pagos evadidos a la seguridad social.
E incluso ahora, ¡las grandes constructores quieren seguir construyendo nuevas urbanizaciones!
Como nadie en Europa es tan tonto para comprar sobre plano, España TIENE que diversificar más allá de cubrir su maravilloso país de cemento.
Y finalmente,
El articulo 47 de la constitución española dice “Todos los españoles tienen derecho a disfrutar de una vivienda digna y adecuada. Los poderes públicos promoverán las condiciones necesarias y establecerán las normas pertinentes para hacer efectivo este derecho, regulando la utilización del suelo de acuerdo con el interés general para impedir la especulación. La comunidad participará en las plusvalías que genere la acción urbanística de los entes públicos.”
La constitución española ha sido reformada una vez antes (Art. 13.2 Titulo I) para extender los derechos a los ciudadanos de la Unión Europea.
Proteger a los españoles y a todas las personas de España en ejercer los derechos humanos, sus costumbres y tradiciones, idiomas e instituciones.
¡El pueblo español esta pagando caro por la corrupción y avaricia del sector de la construcción y los bancos!
Finalmente, según el Índice de Corrupción Percibida, hecho por Transparancy International, ¡España ocupa el lugar 32 en 13 estudios independientes! ¡La verdad es que esto dice todo!
La percepción de España esta en un espiral descendiente y las personas de este país se tienen que dar cuenta de que mientras que el gobierno central y hasta los alcaldes locales ignoran los hechos no hay esperanza en el futuro visible para que España mantenga su orgullo.
Keith Donovan

1 comment:

  1. My wife (Spanish) and I (Canadian/American) live in Barcelona, and unfortunately we are personally affected by corruption. My wife is an activist trying to correct the system, and is being persecuted by judges and prosecutors for her efforts. You can find information about her efforts in http://www.injusticiacatalunya.info and http://www.axj.com.es. Right now she is facing completely fraudulent criminal charges in two cases, and also they are trying to declare her incompetent, when she is obviously healthy and sane (http://remei.s3.amazonaws.com/20100913-doc.htm). These cases were all brought by the judges and prosecutors. In one of the criminal cases, they even refused IN WRITING to tell her what the charges against her are (http://remei.s3.amazonaws.com/20100926-fax-juz.pdf)!

    She has documented proof of massive judicial corruption, leading to human rights violations. It would be a great benefit to the Spanish people if someone could help restore confidence in their judicial system by exposing the wrong-doing and insisting on corrective action.