Bank embargo for non-residents

[Lavanda]

Seems to be a reason to get residencia papers quick:

http://www.costablanca-news.com/news/frontnorth.htm

[Bongtrees]

FFS every day another problem


Does anyone know if a gestor can get an NIE number and certificado de no residencia or does the person have to come to Spain and do it themselves?

[chrissiehope]

Oh bu**er - something else to sort out when we're next in Spain (apart from the escritura/ catastral reg; mobile dongle/mobile signal; electricity; landline....)

[Miro]

It seems this pogrom is aimed at catching out people living in Spain illegally, but some genuine non-residents are getting caught out by it. If you have signed a bi-annual declaration of non-residence with your bank, this should be sufficient, but if you have at some time applied for residency, or maybe just signed on the padron, you may be affected, so best to check with your bank if there's any danger of getting your account frozen.

[Troglodyfae]

Here is a thought ! What if one half of a couple has residencia and the other has not got theirs yet and they have a joint bank account How would they deal with that I wonder

[julian]

it shouldn´t be possible to get a joint account if one is resident and the other is not

[pkates]

What's the article about? When i click that link I'm getting story about a woman being murdered!

[concorde]

pkates, I've just done that as well, click on the blue box at the left, it says 'last week'.
that'll give the info.

I'm going straight to my on-line La Caixa now, just to check I haven't been embargoed!

[pkates]

doh! oh yeah!

I have a non-resident account that i opened about 4 years. Do i need to get the correct paperwork for that account?

I'm sure all this bureaucracy costs more to enforce than it raises for the treasury!

[Beachcomber]

Check your bank account to see if the bank is charging you about €10 every two years for a certificate of confirmation from the police that each signatory is a non-resident. If so you should have no problem.

[pkates]

The only time I see anything like that appear on that account is on the day it was opened . . .

20-01-2004 Gastos certif. no resid. de MY NAME 10,46 Euros

Can't see it for any subsequent years.

I opened a new account with a different bank earlier this year (having waited 3 months for a new cash card from thew previous one!) . . the girl processing it took my NIE number and entered it as a residents account as she says it'd cause less problems!

[concorde]

We opened our non-resident bank account just over 2 years ago with our passports so we could transfer money for house purchase. we also obtained our nie numbers about 6 weeks after that.
We paid our taxes last time we were over via the bank, so hopefully they should have that info.
I don't think they have taken the charge out for a certificate yet, I do query any other charges except for standing orders but usually they are for cards or bank account maintenence

Don't get me started on that one!

[Miro]

Pkates, what address do you use for the account? If it's an overseas address, I can see that causing problems, especially as you are presumably not registered as a resident?

[pkates]

Miro - for the 4 year old account, yes i think i may have used a UK address although when i go thru my details online it only shows my spanish address.

The new account is all spanish details and a resident account although i do not have residencia.

I was thinking about closing the old account anyhow as 6 months later and still no cash card. They are supposed to have ordered a new one 4 times and are charging me for the privilege of not having it!

[Troglodyfae]

it shouldn´t be possible to get a joint account if one is resident and the other is not

Well we have a bank account that we opened here in Granada when we bought our current house 3 years ago. OH has his residencia I have not got mine as yet as we are getting married this year and were going to get my residencia then. We have a joint account

My brother and sister in law are in the same position, he has residencia and she does not, they also have a joint account, so clearly it is entirely possible.

Bear in mind both accounts were opened whilst non resident and then residencia was obtained by one person.

So I guess the question is can they freeze the account when one person is resident and the other is not?

I seem to have two choices at the moment, either to proceed with my residencia application which really is not a problem as the forms have been filled in for ages, I just did not want to further confuse the issue by having to change my name on my residencia. My other option is to go to the Police and obtain a stamped certificate to say I am non resident, which goes against the grain, because I am resident.

I think I will have a natter with the bank, and my gestor tomorrow to see if they can clarify the situation, and advice.

[julian]

of course it was possible to get the non-resident account when you were both non-residents,beacause the you gave the bank the true information at that moment. but you should not now have the joint account now that one is , and the other isn´t.

[sheilap]

Our Spanish solicitor opened our account for us around 4 years ago and we put regular amounts in to it. I have just received a letter from the bank and a form to fill in called a declaration of fiscal residence /non resident account. They sent it to my home address in England is that the paperwork you are talking about to stop my bank account from being frozen. we don't normally get paperwork sent here as the bank usually sends it to our Spanish address and will I be charged for this as I'm confused

[Troglodyfae]

I understand the point you are making Julian, and the bank manager is fully aware of the situation and told us that this would not be a problem. I will ask him tomorrow if this is still the case.

[Beachcomber]

Sheilap, this is the correct procedure. You confirm to the bank that you are still non-resident and the bank applies to the police for confirmation of your non-resident status for which they charge you about €10 for each account holder every two years.

[sheilap]

Thanks beach i'm not confused now