The Government will protect to the consumers in the reunification of debts

    The reunification of the debts is an economic resource more and more used by the consumers, when contemplating that every time its level of indebtedness is greater and that the income that must destine to satisfy all creditors are every time majors, remaining every time with less margin of free money.

    The monthly payment of mortgage that is increasing in each revision thanks to the increase of the values of the Euribor and other indices of reference of hypothecating loans; the payment of the other loans, like the car, the one of the furniture; the debts of cards, more and more used to be able to finish the month or to be able to buy what we wished and the unique possibility are to resort to the card to finance it, are some of the many debts that we can get to have, and that by each of them we paid its respective interest. In this sense they appear an important amount of announcements and references on the reunification of debts.

    One generally is to unite all the debts and to generate a single quota in which this whole including. When having the mortgage, is possible to increase this and with this new capital to pay to the remaining debts or loans. It will increase the quota of our mortgage, but in return, no longer we will have to pay the remaining loans and in addition we will have reduced considerably the total amount that we needed to pay it everything. Taking advantage of this conjuncture indebtedness many intermediary organizations between the consumer and the banking organizations offer their services with very attractive promises for which it feels very drowned with his debts.

    The government is going to try to protect the consumers who ask for the services of these intermediate organizations through a law.  These are their intentions because it goes to will send to the Council of State a law first draft to protect the consumers and to regulate the activity of these organizations that are dedicated to reunify credits. Thus it advanced day 16 the Secretary of State of Economy, David Vergara. Now they are organizations will have to be more transparent.

    One looks for that the consumers always know what they contract and to unify the requirements that must fulfill the credits to the consumption, the mortgages, so that the exigencies are the same regardless of the organization in which the loan is realized. After all these intermediate organizations would have with the law the same obligations that have the banks and savings banks.

    The organizations will have to register in the independent communities and a state registry in the National Institute of Consumption will be created. They will not be able to apply to amounts superiors to which they are derived from the corresponding tariffs and the commissions that receive will respond served indeed or to the expenses really caused. It will be commited to them that they reflect its tariffs in a pamphlet and that they have a plank of announcements in the abiertos establishments to the public. If the amount of the credit is indicated or cost, also informs on TAE (Tasa Anual Equivalente) and must formulate the consumer of a binding supply.