Jesus Quintero interviews Luís Pineda, president of Ausbanc
Jesus Quintero interviewed last week in his program of South Channel “Mice Coloraos” Luís Pineda, president of Ausbanc, the Users' Association of Bank Services created by himself. Luís Pineda is a polemic personage to whom, between other things, we owe that the banks do not round to the rise in the mortgages, that inform us about the commissions of the tellers or that the RAI eliminates for natural persons.
The interview is very interesting and it is possible to see in the web of South Channel. The video belongs to the entire program, the appearance of Luís Pineda goes from the minute 9 to 28, earlier there are a few fandangos for the one that is interested.
In the chat with Farmer, Luís Pineda says that the fault of that should raise the slowness in the mortgages is of the banks, that they have harmed his work on not having been able to grant a loan and value the risks, since they have given loans to the crazy thing to the people who now cannot pay them.
The most interesting thing there is the solution that he proposes for someone who cannot pay a mortgage: the new Law Concursal (what earlier was to go into bankruptcy), which can be used for natural persons. The Ausbanc president tells that, as a person one cannot liquidate to (kill), with the natural persons an agreement is necessary to come.
He mentions also that a banker has said to him that the banks prefer that the clients pay his loans later to receive delay interests.
Also he affirms that often the banks prefer to charge from the guarantors, in case of death, that to the insurance, because it is legal and often the insurances are offered by the proper banks.
Then it happens to mention the benefits of the banking in Spain: savings banks 12.000 million euros, the Santander 8.000 and the BBVA 6.000. And he says that the only one that it has lost has been the Spanish Bank, 1.600 million euros, selling the gold badly.
On the crisis that approaches, he says that it is going to be brutal and that they come very hard times. He tells that a few levels of slowness of 3 % with the rhythms of sale of real estate that has existed in the last years it would affect hundreds of thousands of persons
As advices to get over the crisis it recommends not to get into important investments, check all the contracts of our expenses, says that if we all should check the contracts this would generate a competition that would provoke the prices descent. He advises to auction the contracts as they do the companies in the hiring table looking for the best price.
Asked about Farmer for the usury, it points out that as the ancient lenders were filing the golden coins, the modern lime is “the commission of opening”.
It does an important denunciation of the debit fictitious balance, overdrafts that the bank receives from us when there is money but the date value it is later to a receipt that has come to us, receiving interests of delay and overdraft commission.
After the whole cane that gives to the banks, and with the Farmer's mastery, he ends up by saying that the banking contributes a better society, on having given money, makes possible that your desires turn in fact.
The above mentioned, a very interesting interview to a polemic personage.
at 3:36 am
It is incredible that you give coverage and credibility to a users' association, withdrawn from the institute of consumption, investigated by Waiter for procedural fraud, which principal benefit is to charge to the banks so that they promise to be in his magazines, instead of defending the users as it prays in his decalogue.
Luis Pineda, the presi of the show was already condemned for armed robbery to armed hand. does it seem small to you?
That shame that the people do not know this and him about coverage in mass communication media, speaks very badly about the way.
Luis says that they it are going to put in the jail ….algo habrás fact, uncle.