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Pellicer & Heredia

Pellicer & Heredia – Making it possible

Ignacio Pellicer & Pedro Heredia, are partners of the Law Firm, Pellicer & Heredia. The whole project started in 2007 just before the credit crunch. Both of them came from different Law Firms specializing...
Floor clause mortgage success

Floor clause mortgage success

SPAIN’S Supreme Court has ruled people who have already renegotiated their mortgages with their banks can still reclaim their money in court. The decision means anyone whose bank has agreed to lower their interest repayments...

BOOK NOW: Europe’s leading finance seminar is coming to Spain

EUROPE’S leading finance seminar is coming to Spain for the first time in 2017. Visiting four popular venues on the Costa Blanca in November (see full details below), attendance is free, but booking early...
Wealth Management

What exactly happened with Continental Wealth Management?

A COUPLE more weeks have passed since the devastating revelations regarding the collapse of CWM, and as each day passes, more people are discovering they themselves were victims. I’m sure many in my industry would...
BEWARE THE PENSION SCAMMers

Beware the pension scammers

THE PENSIONS REGULATOR (TPR) has launched new online messaging urging consumers to keep their eyes and ears open for pension scams. One of the new pieces of animation being circulated by TPR via YouTube reminds...

John had no idea his investment fees were so high

LAST WEEK, a gentleman, we’ll call him John, (I’ve changed his name to protect his identity) came to see me. John wanted a second opinion on an investment plan he had set up when...
A bilingual lawyer who understands expatriates and Spanish law

A bilingual lawyer who understands expatriates and Spanish law

ANTONIO FLORES founded the Marbella based lawyers Lawbird 15 years ago and his practice works predominantly for English speaking clients. He was educated in the English system and is totally bilingual as are the majority...
If I renounce British citizenship, will I still be entitled to a pension from the UK

Pellicer & Heredia: What will happen to my UK pension entitlement?

Q: If I renounce British citizenship, will I still be entitled to a pension from the UK? A: Yes, of course. For the right to a retirement pension you do not have to be a British national...
What is the mortgage floor rate

Pellicer & Heredia: What is the mortgage floor rate?

Q:What is the mortgage floor rate? How do I know if my mortgage has this? A:The mortgage floor rate is one of the many abusive clauses that you may have written in your mortgage, the...
Financial Advisor

We need to ensure this cannot happen again.

I’ve been battling with myself over the last few days as to whether to write this article, and indeed what to say. As many of you will have heard by now, one of the...
Steps Required for Inheritance in Spain

Steps required for inheritance in Spain

DEAR Mr Blanco, I am an English lady living in Spain and recently my English husband passed away. Could you please explain the necessary steps to follow to obtain the inheritance here in Spain. Yours,...
non-resident tax

Pellicer & Heredia: What is the non-resident tax and who does it apply to?

Q: What is the non-resident tax and who does it apply to? A: This applies to anybody who is not legally a resident in Spain, but who has assets such as property in Spain, income...
You’re paying how much for your QROPS

You’re paying how much for your QROPS??

Many of you will have read my article last week regarding financial advisors in Spain charging substantially more than the equivalent service in the UK. In just the last few days I have had...
Non-performing loan rate up

Non-performing loan rate up

SPAIN'S non-performing loan rate stood at 8.47 per cent in July as opposed to the 8.43 per cent of a month earlier, the Bank of Spain reported on Tuesday. A non-performing loan is the sum...
Can I keep my ISA & Premium Bonds if I’m a Spanish Resident

Can I keep my ISA and Premium Bonds if I’m a Spanish resident?

The short answer to this is 'yes'. It is a question I get asked regularly and whilst the answer to this question is yes, the answer to 'Should I keep them?' would be different as...
Liberty Seguros

Liberty Seguros reward customer loyalty

Until 20 December 2017, Liberty Seguros will welcome new customers and reward existing policy holders with cashback offers on both car and home insurance policies. With so many insurance providers out there today, choosing...
Cut your inheritance tax bill

Would you like to save your loved ones that big inheritance tax bill?

IHT (Inheritance Tax) planning is certainly not as simple in Spain as the UK, but there are solutions if you get the right advice. A typical scenario here in Spain is that of my clients,...
Negative vibes on UK inflation increases

Negative vibes on UK inflation increases

UK INFLATION has been steadily on the increase over the last year, and many people will undoubtedly be starting to see the impact on their wallets, particularly when sluggish wage growth is taken into...
Chorus Tracy PIc

Did you work in retail, manufacturing or banking in the UK?

IN all the years that I have been advising people on transferring pensions, I have never seen such astronomical transfer values, especially in the finance, manufacturing and retail industries. In the past, Final Salary pensions...
MORE INTEREST IN MORTGAGES

More interest in mortgages

FIGURES just released by the Spanish National Statistics Institute (INE) show mortgages on the increase in the Murcia region. During the month of June 2017, mortgages arranged rose 21.2 per cent compared to the same...
Spanish bank jobs at decade low

Spanish bank jobs at decade low

SPANISH banks are cutting back. Between 2007 and 2016 they reduced staff by about 83,000 to some 195,000 and shuttered more than 16,000 branches, according to Bank of Spain data. That trend continued into the first...
europoind

Pound to Euro expected to fall further

COULD the pound fall in value so much that it is worth only one euro? Sterling has never fallen that low before, even at the height of the financial crisis. At its lowest, in the...

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Five years in prison for baby killer

Five years in prison for baby killer

A WOMAN has been sentenced to jail for killing her baby as she gave birth. The girl, who was 17 when she committed the crime,...
Eight years for murderer

Eight years for murderer

A 17-YEAR-OLD boy is facing years in prison for stabbing a man outside a nightclub. Prosecutors are asking a judge to place the boy in...
Malaga firefighters

Malaga firefighter strike still running…

A YEAR after first going on strike Malaga’s firemen have still not returned to work. The labour dispute over working conditions continues without any progress...
Eye Chart With Glasses

Ask the Optician – How to Protect Your Sight on Día de Santa Lucia

THE 13th of December is Día de Santa Lucia, the patron saint of the blind and the protector of sight. We are urging anyone...
Studio 32 enjoy a superb White Christmas

Studio 32 enjoy a superb White Christmas

AFTER months of preparation, STUDIO 32’s winter production of White Christmas premiered...and what a performance from this very talented company. From the moment the curtain...
Six top teas to aid weight loss

Six top teas to aid weight loss

Green Tea and Matcha These teas are known for increasing metabolism. A study published in the American Journal For Clinical Nutrition found that green tea...
SYNDICATE LOTTERY TICKET HOLDERS ADVISED TO MAKE IT OFFICIAL - 2

Syndicate lottery ticket holders advised to make it official

AT THIS time of the year, many groups of people in clubs and societies or even a group of friends in bars club together...
A week and a bit to go

A week and a bit to go!

CHRISTMAS is nearly here, and for many of us there are still those ‘tricky to buy for’ friends and family.  You may not think...
driving tests back on

Driving tests back on in Malaga

DRIVING EXAMINERS are back at work after a six-month strike. Five examiners will now be on duty every day after being forced to perform minimum...
Truck hits vehicle on motorway hard shoulder

Truck hits vehicle on motorway hard shoulder

A MAN was seriously injured after being hit by a truck on the A-7 motorway in Crevillente. The impact caused the victim to fall down...
This week in Germany - Market bomb discovered

This week in Germany – Market bomb discovered

Market bomb discovered GERMAN police were searching for the sender of a package initially feared to contain a bomb found near a Christmas market in...
Rockets Golf Society - Altorreal

Rockets Golf Society – Altorreal

IT WAS a long trek down the Murcia motorway to this lovely golf course but well worth the journey.  Considering the time of the...
Fake worker scams €35,000 from elderly woman

Fake worker scams €35,000 from elderly woman

A MAN pretending to be from Endesa has swindled a 90-year-old woman in Malaga City. Police are now trying to find the alleged thief who...
Crash victims demand justice

Crash victims demand justice

A GROUP of people injured when a train derailed between Malaga and Seville are planning to sue the department responsible. A firm of lawyers are...