Unprecedented initiative in Spanish banking. The country's main financial entities have promoted the creation of the so-called 'delinquent mediator', who negotiates with clients who owe large sums of capital the payment of a minimum part of the debts in exchange for keeping their home.As El Confidencial Digital has learned , the objective of the banks is to anticipate the situation in which the client may default, adapting to the conditions of the debtor. Thus, the negotiator sent by the entity agrees with the client on an amount to be paid monthly, much lower than that required by the mortgage , for a certain period of time in which the defaulter must improve his or her financial situation. The sources consulted by this newspaper explain that "the number of apartments that have become the property of the banks has increased so much that the seizure is not profitable for the entities because it is then practically impossible for them to sell them and thus reduce their stock.
For this reason, "in recent months the figure of the defaulter mediator has been strengthened, to guarantee a minimum charge for loans and mortgages granted before the crisis and avoid more evictions that do not benefit any of the parties." This practice has spread to practically all Spanish financial institutions: “ The savings banks UK Mobile Number List began to use it, but it has already reached large banks such as Santander or Bankia .” In fact, from the subsidiary of the Financial and Savings Bank they confirm that, as of today, "we have 900 people assigned to this policy." 400 euros for a maximum of five years ECD has had access to a banking professional dedicated to mediating with defaulters, who has explained his 'day to day life': “There are uncomfortable situations, because there are people who are living at the limit of their possibilities. However, most clients welcome the proposal and are willing to negotiate .
The same source states that "in mortgages of more than 1,000 euros per month, we are accepting the payment of only 400 for a maximum of five years, or until the client improves their financial situation through a job." Despite the modest amount paid, the mediator is clear: “ Better than not taking anything and having to take care of a home that is very difficult to dispose of .”The risk level of each of the entities will also be taken into account . Not all of them will have to contribute the same amount to this fund, but each one will allocate an amount according to their risk.However, in May 2006 the Supreme Court annulled this resolution and ordered the TSJC to continue processing the case. Sentence In December 2009, the Provincial Court of Barcelona sentenced Sáenz to six months in prison for the continued crimes of accusation and false denunciation, but acquitted him of attempted procedural fraud.