Friday, April 20, 2018
Wednesday, March 8, 2017
The Anti-Corruption Prosecutor's Office has requested a total of 16 years in prison for each of the brothers
The Anti-Corruption Prosecutor's Office has requested a total of 16 years in prison for each of the brothers Álvaro, Zoilo, José María, Pablo, Francisco Javier and Alfonso Ruiz Mateos in the framework of the so-called Nueva Rumasa case.
In his indictment before the National Court, filed today, the Prosecutor's Office states that all of them are accused of the crimes of fraud - by which proposes nine years in prison - money laundering - four years - and uprising of assets - three years-.
Also accused are Zoilo Pazos Jiménez and Alfonso Barón Rivero, both members of the Ruiz Mateos family, as well as the workers and collaborators of Nueva Rumasa Manuel Sánchez Marín, José Ramón Romero, Rufino Romero de la Rosa and Ricardo Álvarez Castaño.
The case goes back to 2009-2011, when the family company presided over by José María Ruiz-Mateos devised a "pyramid" system through the issuance of promissory notes, which allowed him to capture - without disclosing the delicate financial situation of the group - € 337 million contributed by 4,100 individuals, of which 289 million were left unreturned, according to Anticorrupción.
The thesis of the Office of the Prosecutor is that the funds raised "were redirected to a single bank in a branch of Etcheverría bank in Madrid, which the defendants disposed according to the needs" of the group, although they also paid with this money " Expenses of personal nature of the family clan ".
In addition, he points out that for the moment "the final destination of 82 million euros that the defendants withdrew in cash from bank accounts is unknown".
Anticorruption also accuses three people more of an asset uprising - Ángel de Cabo Sanz, Fernando Juan Lavernia and Iván Manuel Losada - for having agreed with the children of Ruiz-Mateos the purchase of Nueva Rumasa companies after the issuance of promissory notes , "In order to control the creditors' competitions (...) and to safeguard, as far as possible, the personal assets of the family".
It requests that the 15 defendants jointly and severally indemnify the persons listed as investors in the promissory notes and other similar securities issued by the group.
However, it specifies that any compensation ordered by the court must be "subsidiary" to the companies issuing such promissory notes and others "whose assets are subject to precautionary measures in this proceeding".
The document includes a list of 58 companies from the Nueva Rumasa area, including Meat and Canned Spanish, Dhul Group, Clesa, Bodegas Teresa Rivero and Cacaolat.
The indictment of the Prosecutor's Office is known a month and a half after the judge of the National Court Jose de la Mata announced the continuity of the judicial process initiated by the "Nueva Rumasa" case.
In the order of the Central Court Instruction number 5, the existence of indications to open proceedings against these fifteen defendants was detailed, but it exempted six of the investigated ones, among them the widow of the entrepreneur, Teresa Rivero, for not finding enough evidence to attest their participation in the facts.
Nine out of ten Spaniards (89%) describe the country's economic situation as "bad" and 94% affirm the same about employment, according to figures released today by the latest Eurobarometer Standard presented at European Commission offices.
This survey, funded by the European Commission, is conducted every two years in all EU Member States to assess the level of citizens' satisfaction and knowledge about the European Union and its socio-economic situation.
This trend continues from last year, according to the Eurobarometer, which also indicates that 66% of Spaniards are "worried" about unemployment and 34% because of the economic situation. Faced with this data: 57% of Europeans believe that the economic situation in their countries is bad and 63% think the same about employment.
BETWEEN THE PRIVATE AND THE PUBLIC
Job creation is closely linked to the business fabric and about two thirds of the citizens, both European (63%) and Spanish (65%) see the private sector better positioned than the public to create such jobs. These figures are very stable compared to those collected in the autumn of 2015, when 64% of Europeans and 62% of Spaniards agreed with this statement.
Also 56% of Europeans consider it a good idea to use public money to stimulate investment in the private sector, down to 42% in the case of the Spanish. These figures have not changed until fall 2015, when 58% of Europeans and 46% of Spaniards were of the same opinion.
In his indictment before the National Court, filed today, the Prosecutor's Office states that all of them are accused of the crimes of fraud - by which proposes nine years in prison - money laundering - four years - and uprising of assets - three years-.
Also accused are Zoilo Pazos Jiménez and Alfonso Barón Rivero, both members of the Ruiz Mateos family, as well as the workers and collaborators of Nueva Rumasa Manuel Sánchez Marín, José Ramón Romero, Rufino Romero de la Rosa and Ricardo Álvarez Castaño.
The case goes back to 2009-2011, when the family company presided over by José María Ruiz-Mateos devised a "pyramid" system through the issuance of promissory notes, which allowed him to capture - without disclosing the delicate financial situation of the group - € 337 million contributed by 4,100 individuals, of which 289 million were left unreturned, according to Anticorrupción.
The thesis of the Office of the Prosecutor is that the funds raised "were redirected to a single bank in a branch of Etcheverría bank in Madrid, which the defendants disposed according to the needs" of the group, although they also paid with this money " Expenses of personal nature of the family clan ".
In addition, he points out that for the moment "the final destination of 82 million euros that the defendants withdrew in cash from bank accounts is unknown".
Anticorruption also accuses three people more of an asset uprising - Ángel de Cabo Sanz, Fernando Juan Lavernia and Iván Manuel Losada - for having agreed with the children of Ruiz-Mateos the purchase of Nueva Rumasa companies after the issuance of promissory notes , "In order to control the creditors' competitions (...) and to safeguard, as far as possible, the personal assets of the family".
It requests that the 15 defendants jointly and severally indemnify the persons listed as investors in the promissory notes and other similar securities issued by the group.
However, it specifies that any compensation ordered by the court must be "subsidiary" to the companies issuing such promissory notes and others "whose assets are subject to precautionary measures in this proceeding".
The document includes a list of 58 companies from the Nueva Rumasa area, including Meat and Canned Spanish, Dhul Group, Clesa, Bodegas Teresa Rivero and Cacaolat.
The indictment of the Prosecutor's Office is known a month and a half after the judge of the National Court Jose de la Mata announced the continuity of the judicial process initiated by the "Nueva Rumasa" case.
In the order of the Central Court Instruction number 5, the existence of indications to open proceedings against these fifteen defendants was detailed, but it exempted six of the investigated ones, among them the widow of the entrepreneur, Teresa Rivero, for not finding enough evidence to attest their participation in the facts.
Nine out of ten Spaniards (89%) describe the country's economic situation as "bad" and 94% affirm the same about employment, according to figures released today by the latest Eurobarometer Standard presented at European Commission offices.
This survey, funded by the European Commission, is conducted every two years in all EU Member States to assess the level of citizens' satisfaction and knowledge about the European Union and its socio-economic situation.
This trend continues from last year, according to the Eurobarometer, which also indicates that 66% of Spaniards are "worried" about unemployment and 34% because of the economic situation. Faced with this data: 57% of Europeans believe that the economic situation in their countries is bad and 63% think the same about employment.
BETWEEN THE PRIVATE AND THE PUBLIC
Job creation is closely linked to the business fabric and about two thirds of the citizens, both European (63%) and Spanish (65%) see the private sector better positioned than the public to create such jobs. These figures are very stable compared to those collected in the autumn of 2015, when 64% of Europeans and 62% of Spaniards agreed with this statement.
Also 56% of Europeans consider it a good idea to use public money to stimulate investment in the private sector, down to 42% in the case of the Spanish. These figures have not changed until fall 2015, when 58% of Europeans and 46% of Spaniards were of the same opinion.
Zara is the only Spanish brand that has achieved this year among the 100 most reputed multinational companies in the world
Zara is the only Spanish brand that has achieved this year among the 100 most reputed multinational companies in the world, according to the Global RepTrak 2017 study, published today by the consultancy Reputation Institute.
Zara ranks 92 on a scale of 100 in which corporate performance is rated in seven areas: products and services, innovation, leadership, work environment, citizenship, integrity and financial results.
The top three on the list are for the Rolex watch, the Lego toymaker and the animation studios The Walt Disney Company.
They are followed by Canon, Google, Bosch, Sony, Intel, Rolls-Royce and Adidas.
Those in charge of the study say Rolex and Rolls-Royce's top positions show a rise in luxury brands, while high-end firms hold seven of the top ten.
The biggest drop has been the Samsung, which has lost four positions to reach the 70th position, a trend that the consultancy attributes to the battery scandal of its model Note 7.
According to the consultancy, Volkswagen continues to accuse, albeit to a lesser extent, the emissions scandal of its diesel engines, but has recovered positions after the great decline of 2016.
As a novelty, for the first time a bank enters the list of the 100 companies most valued with ING in the 94th position.
For the development of the study, Reputation Institute has analyzed the situation of the main companies of Australia, Brazil, Canada, China, France, Germany, India, Italy, Japan, Mexico, the United Kingdom and the United States.
Almost one in three women, 32.7%, is unable to save at the end of the month, although they are more planning than men, since they do not enter enough and have to cope with unforeseen events, according to a study Of comparator Rastreator.com
54% of women recognize that they plan and budget their monthly expenses, compared to 51.3% of men, and they are also more compliant, 62.3% compared to 60.9%, but the results are different from end of the month.
By the time of this date, 78% of the men have managed to save some money, while in the case of women only 67.3%, and the amounts also differ.
Thus, 43.5% of women end the month with a saving of up to 200 euros, which is easier for 45.9% of men.
The distance widens the greater the amounts, for example, in the female case, only 5.4% now between 501 and 1,000 euros per month, while for them this percentage amounts to 9%.
The saving of more than 1,000 euros is something that is only available to 1.9% of women surveyed and 3.5% of men.
WITHOUT INCOME AND WITH INCIDENTS
The main reason is the lack of necessary income and the need to cope with unexpected events, despite the fact that women "are more aware of the importance of saving and are the ones that take more measures in this regard," says the CEO of Rastreator .com, Fernando Summers.
In fact, they have reduced their games both in leisure and clothing, as in bills and transport.
Zara ranks 92 on a scale of 100 in which corporate performance is rated in seven areas: products and services, innovation, leadership, work environment, citizenship, integrity and financial results.
The top three on the list are for the Rolex watch, the Lego toymaker and the animation studios The Walt Disney Company.
They are followed by Canon, Google, Bosch, Sony, Intel, Rolls-Royce and Adidas.
Those in charge of the study say Rolex and Rolls-Royce's top positions show a rise in luxury brands, while high-end firms hold seven of the top ten.
The biggest drop has been the Samsung, which has lost four positions to reach the 70th position, a trend that the consultancy attributes to the battery scandal of its model Note 7.
According to the consultancy, Volkswagen continues to accuse, albeit to a lesser extent, the emissions scandal of its diesel engines, but has recovered positions after the great decline of 2016.
As a novelty, for the first time a bank enters the list of the 100 companies most valued with ING in the 94th position.
For the development of the study, Reputation Institute has analyzed the situation of the main companies of Australia, Brazil, Canada, China, France, Germany, India, Italy, Japan, Mexico, the United Kingdom and the United States.
Almost one in three women, 32.7%, is unable to save at the end of the month, although they are more planning than men, since they do not enter enough and have to cope with unforeseen events, according to a study Of comparator Rastreator.com
54% of women recognize that they plan and budget their monthly expenses, compared to 51.3% of men, and they are also more compliant, 62.3% compared to 60.9%, but the results are different from end of the month.
By the time of this date, 78% of the men have managed to save some money, while in the case of women only 67.3%, and the amounts also differ.
Thus, 43.5% of women end the month with a saving of up to 200 euros, which is easier for 45.9% of men.
The distance widens the greater the amounts, for example, in the female case, only 5.4% now between 501 and 1,000 euros per month, while for them this percentage amounts to 9%.
The saving of more than 1,000 euros is something that is only available to 1.9% of women surveyed and 3.5% of men.
WITHOUT INCOME AND WITH INCIDENTS
The main reason is the lack of necessary income and the need to cope with unexpected events, despite the fact that women "are more aware of the importance of saving and are the ones that take more measures in this regard," says the CEO of Rastreator .com, Fernando Summers.
In fact, they have reduced their games both in leisure and clothing, as in bills and transport.
One in three recruiters have rejected a candidate for their activities in social networks for reasons such as apology for violence
One in three recruiters have rejected a candidate for their activities in social networks for reasons such as apology for violence, contradictory data with the curriculum, errors of expression or grammatical or lack of communication skills.
This is extracted from the report presented on Wednesday on social networks and labor market, made by the employment portal Infoempleo and the human resources consultant Adecco.
Likewise, three out of four people, 78%, have used social networks to seek employment in 2016, although in the last year the rapid expansion of the use of these platforms to obtain employment has slowed down.
This study indicates that, despite the high level of penetration of social networks, its use in 2016 has experienced a slower growth rate, since the number of candidates who have used them has hardly increased compared to 2015.
However, 91% of jobseekers have an account in social networks, so Adecco's director of service and quality, Iria Vázquez-Palacios, has assured that "courtship between networks and companies is consolidated" .
"The responsibility of companies is to know the concerns of job seekers, and their search habits, because it is the only way to attract the best talent," added Vázquez-Palacios.
The report shows that there has also been a decline in the use of social networks to capture talent from companies, from 87% in 2015 to 84% in 2016, but despite this decline, in the last 86% of companies have claimed to have a presence on these platforms.
According to the CEO of Infoempleo, Jorge Guelbenzu, this large presence of companies in the networks has caused that "the door of access to any company is always open, so that people have more power than ever before on development Of his professional career ".
The main objectives that have been pursued by firms with this use have been 59% improve the quality of the curricula they receive, 53% diversify recruitment channels, 52% reduce recruitment times by 50% Receive more resumes and 31% decrease the budget for recruitment and selection.
The main professional objectives of the users are to send their curriculum (75%), establish and maintain a network of contacts (53%), know the latest developments in the professional field (48%), Investigate company profiles (27%) and create personal brand (22%).
As for the most used social networks in order to find a job offer is first Linkedin with 71%, followed by Facebook with 51%, Google + with 41% and Twitter with 33%.
The February light bill was 22% more expensive than last year, with a mean for the Small Consumer Voluntary Price (PVPC) of 76.10 euros, compared to 62.39 euros for the Same month of 2016, according to the data of the consumer association Facua.
According to this association, the year-on-year increase in the electricity bill continues to "skyrocket", after breaking all records in January at 87.81 euros, 29.4% higher than the 67.84 euros in January of the year past.
The kWh price this February was 15.55 cents (12.23 plus tax), after the previous month reached 18.75 cents (14.74 plus taxes).
In February 2016, kWh stood at 11.69 cents (9.19 plus taxes), so the year-on-year increase was 33%.
Facua has denounced in a statement the "complacent" attitude of the sector with Energy Minister Álvaro Nadal, in refusing to take measures that "protect the interests of users so as not to harm the electricity oligopoly, which last year increased by 9% its benefits".
The association calls for intervention in the sector so that it is the Executive that periodically fixes an affordable rate, since the system of pricing in the market encourages speculation
Facua is a sector in which "there has never been competition that was deceptively promised to consumers when liberalization began, so the only solution is to undertake measures similar to those adopted years ago in the EU with tariffs Of mobile roaming, so that the government fixes prices for electric consumers. "
In addition, it claims that the VAT applied to electricity should be lowered to the minimum rate allowed by European regulations.
This is extracted from the report presented on Wednesday on social networks and labor market, made by the employment portal Infoempleo and the human resources consultant Adecco.
Likewise, three out of four people, 78%, have used social networks to seek employment in 2016, although in the last year the rapid expansion of the use of these platforms to obtain employment has slowed down.
This study indicates that, despite the high level of penetration of social networks, its use in 2016 has experienced a slower growth rate, since the number of candidates who have used them has hardly increased compared to 2015.
However, 91% of jobseekers have an account in social networks, so Adecco's director of service and quality, Iria Vázquez-Palacios, has assured that "courtship between networks and companies is consolidated" .
"The responsibility of companies is to know the concerns of job seekers, and their search habits, because it is the only way to attract the best talent," added Vázquez-Palacios.
The report shows that there has also been a decline in the use of social networks to capture talent from companies, from 87% in 2015 to 84% in 2016, but despite this decline, in the last 86% of companies have claimed to have a presence on these platforms.
According to the CEO of Infoempleo, Jorge Guelbenzu, this large presence of companies in the networks has caused that "the door of access to any company is always open, so that people have more power than ever before on development Of his professional career ".
The main objectives that have been pursued by firms with this use have been 59% improve the quality of the curricula they receive, 53% diversify recruitment channels, 52% reduce recruitment times by 50% Receive more resumes and 31% decrease the budget for recruitment and selection.
The main professional objectives of the users are to send their curriculum (75%), establish and maintain a network of contacts (53%), know the latest developments in the professional field (48%), Investigate company profiles (27%) and create personal brand (22%).
As for the most used social networks in order to find a job offer is first Linkedin with 71%, followed by Facebook with 51%, Google + with 41% and Twitter with 33%.
The February light bill was 22% more expensive than last year, with a mean for the Small Consumer Voluntary Price (PVPC) of 76.10 euros, compared to 62.39 euros for the Same month of 2016, according to the data of the consumer association Facua.
According to this association, the year-on-year increase in the electricity bill continues to "skyrocket", after breaking all records in January at 87.81 euros, 29.4% higher than the 67.84 euros in January of the year past.
The kWh price this February was 15.55 cents (12.23 plus tax), after the previous month reached 18.75 cents (14.74 plus taxes).
In February 2016, kWh stood at 11.69 cents (9.19 plus taxes), so the year-on-year increase was 33%.
Facua has denounced in a statement the "complacent" attitude of the sector with Energy Minister Álvaro Nadal, in refusing to take measures that "protect the interests of users so as not to harm the electricity oligopoly, which last year increased by 9% its benefits".
The association calls for intervention in the sector so that it is the Executive that periodically fixes an affordable rate, since the system of pricing in the market encourages speculation
Facua is a sector in which "there has never been competition that was deceptively promised to consumers when liberalization began, so the only solution is to undertake measures similar to those adopted years ago in the EU with tariffs Of mobile roaming, so that the government fixes prices for electric consumers. "
In addition, it claims that the VAT applied to electricity should be lowered to the minimum rate allowed by European regulations.
Judge José de la Mata has agreed to reopen the case that investigates the existence
Judge José de la Mata has agreed to reopen the case that investigates the existence of a 'B' Box of the Popular Party, considering that the statements of the 'leader' of the Gürtel, Francisco Correa, and the Entrepreneur Alfonso García-Pozuelo Asins in the trial for the first period of activities of the network (1999-2005) on the commissions paid by construction companies to obtain public awards are "relevant and useful". In this sense, the magistrate has again quoted as investigated between the 23 and 24 of March these two people and the intermediary Plácido Vázquez.
The judge heard the petitions filed by both the Anti-Corruption Prosecutor's Office and two of the popular accusations filed in various pieces of the Gürtel plot, the IU and the Association of Democratic Lawyers for Europe (ADADE) , After hearing the testimony offered by Correa on donations paid by constructors such as OHL or ACS.
De la Mata considers that, given the contribution of these new elements of verification, it is pertinent to reopen the cause of the alleged illegal financing of the PP. Moreover, he stresses that Correa's statements, those of Garcia-Pozuelo - who took advantage of his right not to testify in the investigation - and those of the intermediary Plácido Vázquez are "relevant and useful" as well as "novel".
"It is enough to point out, as the prosecutor-Antonio Romeral- in his report, that they are the only testimonies that point to a relation between the money deliveries for the execution of public tenders, also offering a consistent report on The methodology apparently followed to 'manage' (in the terms of Correa Sánchez) the requests of the companies, and the mechanics of the distribution of the profits obtained by the commissions delivered by the companies in case of 'success' in the intended adjudication "Said the magistrate in his car.
He also recalls that the object of this investigation is to verify if there is a 'B' box of the party and if in the certain annotations in the known ones as 'Barcenas papers', 'rudimentary as it may be', reflect the "cash consideration" Obtained by the PP and certain individuals in exchange for "intercession or pressure" in order to obtain certain public works awards to the payers of illicit commissions.
COMMITTEES BETWEEN TWO AND THREE PERCENT
The leader of the plot detailed during his statement before the court of the National Court that he tried along with 36 other people that companies like OHL, ACS and Dragados appealed to their services to mediate for them before the Ministries of Development and Environment, among others. A changed, said that after intervening in the granting of "many works, neither in 10, nor in 20, nor in 30," paid commissions of between two and three percent to ex-PPP Luis Bárcenas.
"They were highways, highways, AVE works, the Environment, different ...", he explained, while saying that with this practice "saved a lot of money to the PP". "I do not know if 1,000 million or more," he said and said that he delivered the money to Bárcenas at the headquarters of the PP, Genoa Street or his house and that the former manager was in charge of managing the issue with the Ministry " corresponding".
Garcia-Pozuelo said in his speech at the trial that the fate of the money handed over to Correa were "central bodies", which - according to the accusations in his writings - referred to the Ministries of Environment and Development and To the PP, as well as that the four companies that paid commissions are OHL, ACS, Dragados and Degremont.
PETITIONS OF ACCUSATIONS AND TAXATION
In response to these allegations, last October, IU and ADADE sent written statements to the investigating judge requesting that these statements be investigated. In addition, from the subpoenas of Correa, García-Pozuelo and Vázquez, they requested that he call to declare the former president of OHL Juan Miguel Villar Mir, ex-treasurer Luis Bárcenas and businessman Rafael Palencia.
For its part, Anticorrupción was favorable to the reopening of this case in February this year and requested the hearings of the aforementioned, with the exception of Villar Mir, Bárcenas and Palencia.
Finally, the head of the Court of Instruction number 5 of the National High Court has decided to call to declare Garcia-Pozuelo investigated as of 23 March at 10 am; To Correa, the same day at 12.00; And to Vázquez, a day later at 10 am.
However, the magistrate rejects for the moment the statement of the other persons who have requested the parties, in whose car does not offer any type of motivation. It only refers to the exminister of the Environment and former president of the Balearic Government Jaume Matas, claiming that it is not known that he has given a statement to the prosecutor or another judge.
In addition, De la Mata asks the Second Section of the Criminal Chamber of the National Hearing to forward the procedure on which his predecessor Pablo Ruz agreed to end the investigation in March 2015 and asks to incorporate the statements Provided by Correa and García-Pozuelo in the oral trial for the first period of activities of the Gürtel plot.
'BOX B' FOR 18 YEARS
The instruction of the 'Barcenas Papers' concluded on March 23, 2015 when then-judge instructor Pablo Ruz, considering that it is proven that the PP "served for 18 years" - from 1990 until at least 2008-- Of several systems of accounts that recorded financial inflows and outflows of money outside the official accounts declared by the party and filed before the Court Accounts.
In a 190-page book, the judge concluded that there are "solid and well-founded indications" to bring to trial the 'popular' expropriators Luis Bárcenas and Álvaro Lapuerta - dismissed of any responsibility in the trial of Gürtel's early dementia And the former manager Cristóbal Paez for crimes against the Public Treasury and misappropriation.
Ruz considered the PP responsible civil subsidiary for the donations received in 2008 and the payment in black of 1,552,000 euros from the works of its headquarters to the company Unifica and proposed to try three other people, partners of the study of architecture Unifica, Gonzalo Urquijo and Belén García, and his employee Laura Montero, to whom he attributed, in addition to the crime against the Public Treasury, documentary misrepresentation.
This was how Francisco Correa moved
The judge pointed out that in the "indictment plan" the PP would be "responsible" for an offense against the Public Treasury for "not having filed the corporate income tax return for fiscal year 2008," since those donations, Of euros, "did not comply with the budgets, requirements and limitations, both formal and material, established in the current regulation regulating the financing of political parties."
And, he considered the expropriators of the PP "incorporated to the patrimony of the first certain funds of the political formation that were used for the subscription of shares in the capital increase of Digital Freedom".
The judge heard the petitions filed by both the Anti-Corruption Prosecutor's Office and two of the popular accusations filed in various pieces of the Gürtel plot, the IU and the Association of Democratic Lawyers for Europe (ADADE) , After hearing the testimony offered by Correa on donations paid by constructors such as OHL or ACS.
De la Mata considers that, given the contribution of these new elements of verification, it is pertinent to reopen the cause of the alleged illegal financing of the PP. Moreover, he stresses that Correa's statements, those of Garcia-Pozuelo - who took advantage of his right not to testify in the investigation - and those of the intermediary Plácido Vázquez are "relevant and useful" as well as "novel".
"It is enough to point out, as the prosecutor-Antonio Romeral- in his report, that they are the only testimonies that point to a relation between the money deliveries for the execution of public tenders, also offering a consistent report on The methodology apparently followed to 'manage' (in the terms of Correa Sánchez) the requests of the companies, and the mechanics of the distribution of the profits obtained by the commissions delivered by the companies in case of 'success' in the intended adjudication "Said the magistrate in his car.
He also recalls that the object of this investigation is to verify if there is a 'B' box of the party and if in the certain annotations in the known ones as 'Barcenas papers', 'rudimentary as it may be', reflect the "cash consideration" Obtained by the PP and certain individuals in exchange for "intercession or pressure" in order to obtain certain public works awards to the payers of illicit commissions.
COMMITTEES BETWEEN TWO AND THREE PERCENT
The leader of the plot detailed during his statement before the court of the National Court that he tried along with 36 other people that companies like OHL, ACS and Dragados appealed to their services to mediate for them before the Ministries of Development and Environment, among others. A changed, said that after intervening in the granting of "many works, neither in 10, nor in 20, nor in 30," paid commissions of between two and three percent to ex-PPP Luis Bárcenas.
"They were highways, highways, AVE works, the Environment, different ...", he explained, while saying that with this practice "saved a lot of money to the PP". "I do not know if 1,000 million or more," he said and said that he delivered the money to Bárcenas at the headquarters of the PP, Genoa Street or his house and that the former manager was in charge of managing the issue with the Ministry " corresponding".
Garcia-Pozuelo said in his speech at the trial that the fate of the money handed over to Correa were "central bodies", which - according to the accusations in his writings - referred to the Ministries of Environment and Development and To the PP, as well as that the four companies that paid commissions are OHL, ACS, Dragados and Degremont.
PETITIONS OF ACCUSATIONS AND TAXATION
In response to these allegations, last October, IU and ADADE sent written statements to the investigating judge requesting that these statements be investigated. In addition, from the subpoenas of Correa, García-Pozuelo and Vázquez, they requested that he call to declare the former president of OHL Juan Miguel Villar Mir, ex-treasurer Luis Bárcenas and businessman Rafael Palencia.
For its part, Anticorrupción was favorable to the reopening of this case in February this year and requested the hearings of the aforementioned, with the exception of Villar Mir, Bárcenas and Palencia.
Finally, the head of the Court of Instruction number 5 of the National High Court has decided to call to declare Garcia-Pozuelo investigated as of 23 March at 10 am; To Correa, the same day at 12.00; And to Vázquez, a day later at 10 am.
However, the magistrate rejects for the moment the statement of the other persons who have requested the parties, in whose car does not offer any type of motivation. It only refers to the exminister of the Environment and former president of the Balearic Government Jaume Matas, claiming that it is not known that he has given a statement to the prosecutor or another judge.
In addition, De la Mata asks the Second Section of the Criminal Chamber of the National Hearing to forward the procedure on which his predecessor Pablo Ruz agreed to end the investigation in March 2015 and asks to incorporate the statements Provided by Correa and García-Pozuelo in the oral trial for the first period of activities of the Gürtel plot.
'BOX B' FOR 18 YEARS
The instruction of the 'Barcenas Papers' concluded on March 23, 2015 when then-judge instructor Pablo Ruz, considering that it is proven that the PP "served for 18 years" - from 1990 until at least 2008-- Of several systems of accounts that recorded financial inflows and outflows of money outside the official accounts declared by the party and filed before the Court Accounts.
In a 190-page book, the judge concluded that there are "solid and well-founded indications" to bring to trial the 'popular' expropriators Luis Bárcenas and Álvaro Lapuerta - dismissed of any responsibility in the trial of Gürtel's early dementia And the former manager Cristóbal Paez for crimes against the Public Treasury and misappropriation.
Ruz considered the PP responsible civil subsidiary for the donations received in 2008 and the payment in black of 1,552,000 euros from the works of its headquarters to the company Unifica and proposed to try three other people, partners of the study of architecture Unifica, Gonzalo Urquijo and Belén García, and his employee Laura Montero, to whom he attributed, in addition to the crime against the Public Treasury, documentary misrepresentation.
This was how Francisco Correa moved
The judge pointed out that in the "indictment plan" the PP would be "responsible" for an offense against the Public Treasury for "not having filed the corporate income tax return for fiscal year 2008," since those donations, Of euros, "did not comply with the budgets, requirements and limitations, both formal and material, established in the current regulation regulating the financing of political parties."
And, he considered the expropriators of the PP "incorporated to the patrimony of the first certain funds of the political formation that were used for the subscription of shares in the capital increase of Digital Freedom".
OCU believes that the out-of-court system designed by the Government does not adequately protect those affected and favors banks
1. What effect does a floor clause have?
OCU recalls that in an average loan of 150,000 euros at 25 years, signed in March 2001, revisable to the Euribor plus 1%, with a floor of 3.5%, the amounts paid more as a result of the clause soil more than 12,000 Euros.
2. What has the Government decided?
OCU believes that the out-of-court system designed by the Government does not adequately protect those affected and favors banks. This Decree-Law has obliged financial institutions to implement a specific mechanism to claim, prior to the lawsuit. It will be the bank that decides what it returns and in what conditions, becoming thus judge and part.
3. How to complain?
OCU recalls that, as a voluntary procedure, it will not start until the affected party files a complaint. OCU makes available a complaint template at www.ocu.org/modelos. If you accept the claim, the entity must provide a calculation of the amount to be returned, which should add legal interest over the overpaid amounts. The bank may decide that the claim does not proceed but must state its reasons. Due to the refusal to admit the claim, the user may file a lawsuit.
4. Is it in the interest of consumers to use this voluntary procedure?
OCU recommends that those affected who have not initiated judicial proceedings should first resort to this extrajudicial system: it is free and must be answered within a maximum of 3 months. If you do not agree with what the entity offers, you can always go to court. OCU will support those affected in all cases.
5. Will they refund the cash?
OCU has always defended the option of a cash refund if they so wish; However, the standard leaves other possibilities open, such as amortizing part of the outstanding capital of the loan or entering it into some savings product of the entity, such as a pension plan or savings insurance. Entities may also propose repayment in cash, but in exchange for modifying the loan (for example, passing it to fixed interest); An option that OCU does not consider advisable.
6. How do you know if the bank's offer is of interest?
Firstly, those affected must check whether the amount offered by the bank is the one that really corresponds to them. The task is not simple. OCU advises to use the free OCU calculator, which will also offer the option to obtain loan repayment tables with and without floor clause, for clarity. The OCU calculator is available at www.ocu.org/calcular-clausula-suelo.
7. If the procedure is initiated, should the affected parties accept what they are offered?
In no case: if the entities offer less than their share, those affected can reject the agreement and go to court. The decree also provides for banks to be ordered to pay costs, that is, to pay attorney and attorney fees, if the sentence finally establishes compensation higher than the one proposed by the bank.
8. What is the deadline to claim?
The standard does not set a deadline, but OCU recommends filing the claim as soon as possible. The deadline for obtaining a reply is 3 months: if there is no response, the out-of-court procedure is deemed to have terminated without agreement.
9. What to do if the judicial process has already been initiated?
The rule provides for the possibility of suspending legal proceedings if the person concerned and the entity agree, but vary according to what is agreed on the costs of the procedure up to that time: it is best to consult the lawyer or organization in charge of the procedure .
10. Do I have to declare what has been recovered in the IRPF?
No, it is not necessary to include these amounts as income in the income statement, nor the interest of delay; But it may be necessary to correct statements from past financial years if there were higher deductions in the past or deductible deductible rent expenses, which are greater than they should have been. OCU recalls that if a deduction for home acquisition was taken, 15% of the loan installments paid could be deducted, up to a maximum of 9,040 euros per year; As the quotas with soil were higher, perhaps a deduction was made higher than that which could have been practiced in case of no soil; In that case, that difference must be returned.
Finally, OCU also recalls that it has initiated a campaign to demand from the banks the return of expenses of formalization mortgages. At the end of 2015 a judgment of the Supreme Court, won by OCU, considered that the clauses that impose to the consumer all the expenses of formalization and constitution of mortgages (Notary and Registry) and the payment of the taxes that correspond to the bank, On average 3,100 euros per mortgage. OCU considers that, as a consequence of the abusive nature of this clause and of the
OCU recalls that in an average loan of 150,000 euros at 25 years, signed in March 2001, revisable to the Euribor plus 1%, with a floor of 3.5%, the amounts paid more as a result of the clause soil more than 12,000 Euros.
2. What has the Government decided?
OCU believes that the out-of-court system designed by the Government does not adequately protect those affected and favors banks. This Decree-Law has obliged financial institutions to implement a specific mechanism to claim, prior to the lawsuit. It will be the bank that decides what it returns and in what conditions, becoming thus judge and part.
3. How to complain?
OCU recalls that, as a voluntary procedure, it will not start until the affected party files a complaint. OCU makes available a complaint template at www.ocu.org/modelos. If you accept the claim, the entity must provide a calculation of the amount to be returned, which should add legal interest over the overpaid amounts. The bank may decide that the claim does not proceed but must state its reasons. Due to the refusal to admit the claim, the user may file a lawsuit.
4. Is it in the interest of consumers to use this voluntary procedure?
OCU recommends that those affected who have not initiated judicial proceedings should first resort to this extrajudicial system: it is free and must be answered within a maximum of 3 months. If you do not agree with what the entity offers, you can always go to court. OCU will support those affected in all cases.
5. Will they refund the cash?
OCU has always defended the option of a cash refund if they so wish; However, the standard leaves other possibilities open, such as amortizing part of the outstanding capital of the loan or entering it into some savings product of the entity, such as a pension plan or savings insurance. Entities may also propose repayment in cash, but in exchange for modifying the loan (for example, passing it to fixed interest); An option that OCU does not consider advisable.
6. How do you know if the bank's offer is of interest?
Firstly, those affected must check whether the amount offered by the bank is the one that really corresponds to them. The task is not simple. OCU advises to use the free OCU calculator, which will also offer the option to obtain loan repayment tables with and without floor clause, for clarity. The OCU calculator is available at www.ocu.org/calcular-clausula-suelo.
7. If the procedure is initiated, should the affected parties accept what they are offered?
In no case: if the entities offer less than their share, those affected can reject the agreement and go to court. The decree also provides for banks to be ordered to pay costs, that is, to pay attorney and attorney fees, if the sentence finally establishes compensation higher than the one proposed by the bank.
8. What is the deadline to claim?
The standard does not set a deadline, but OCU recommends filing the claim as soon as possible. The deadline for obtaining a reply is 3 months: if there is no response, the out-of-court procedure is deemed to have terminated without agreement.
9. What to do if the judicial process has already been initiated?
The rule provides for the possibility of suspending legal proceedings if the person concerned and the entity agree, but vary according to what is agreed on the costs of the procedure up to that time: it is best to consult the lawyer or organization in charge of the procedure .
10. Do I have to declare what has been recovered in the IRPF?
No, it is not necessary to include these amounts as income in the income statement, nor the interest of delay; But it may be necessary to correct statements from past financial years if there were higher deductions in the past or deductible deductible rent expenses, which are greater than they should have been. OCU recalls that if a deduction for home acquisition was taken, 15% of the loan installments paid could be deducted, up to a maximum of 9,040 euros per year; As the quotas with soil were higher, perhaps a deduction was made higher than that which could have been practiced in case of no soil; In that case, that difference must be returned.
Finally, OCU also recalls that it has initiated a campaign to demand from the banks the return of expenses of formalization mortgages. At the end of 2015 a judgment of the Supreme Court, won by OCU, considered that the clauses that impose to the consumer all the expenses of formalization and constitution of mortgages (Notary and Registry) and the payment of the taxes that correspond to the bank, On average 3,100 euros per mortgage. OCU considers that, as a consequence of the abusive nature of this clause and of the
The banks are going to loose pasta and stop entering it
More than 3,000 million euros in floor clauses, a risk of 20,193 million in mortgage costs, low interest rates that can only rise ...
If it has to be done, let it be as soon as possible. 2017 will be worse year than 2016, but better than 2018, to hire a mortgage. Cheap loans come to an end.
The bank tightens its belt. The man bites the dog. To present a healthy balance sheet this 2017 will require commercial gear to cover the holes derived from the last batch of judicial sentences.
The banks are going to loose pasta and stop entering it. Bad equation. The more for Spanish entities, whose blood flows from mortgage credit, which represents up to 50% of their market share.
And, to provision those millions of euros, banks are looking to improve the profitability of their products.
Mortgages have begun to rise in the first eight weeks of the year
Mortgages have begun to rise in the first eight weeks of the year. And slight rebounds are still expected in 2017 and 2018, the last year in which the European Central Bank is set to raise interest rates, which will hit the Euribor, the indicator to which most of the Mortgages in Spain.
The Spanish model is going to mutate. A change of trend begins to appear. Fear of recurring situations such as soil clauses, upward forecasts on interest rates, specifically on the euríbor ... The monthly fixed rate likes more and more. Faced with unforeseen fluctuations, the mortgaged is folded at the fixed rate. Without being still majority, these mortgages were multiplied by four in 2016.
In December alone, 31.6% of the mortgages constituted used a fixed interest rate, compared to 68.4% of the variable, in data from the National Institute of Statistics (INE). Almost half of the mortgaged Spaniards changed at a fixed rate, to double the number of loans, from 7.6% to 14.8%, while variable interest rates fell from 91.5% to 84.3%. They are still favorites, but according to progress 2017 will lose fans.
A fixed, a variable, with a mixed model or to play. One in three mortgages in 2016 was paid in cash. In numbers: 403,866 homes sold and 281,328 loans contracted, in INE data.
Spanish mortgages are already more expensive than in Europe. In Spain they are granted 1.97% on average compared to 1.62% in Germany, 1.55% in France or 1.82% in Portugal.
MORTGAGE MORTGAGES
A fixed type, and up. Only five banks already grant mortgages below the psychological threshold of 3%. Most are between 3% and 4%, still 6% and 7% a few years ago, when variables were spoiled by the boom banking.
Fixed rates will rise further in the coming months, "but in moderation," David Ruiz of International Financial Analysts (Afi) points out. In INE data, in January 2016 only 10% of the new mortgages were fixed rate. However, in September of the same year the figure has increased to 30%.
MORTGAGES TO VARIABLE TYPE
Banks prepare mortgage loans with opening fees, a hitherto higher rate on fixed mortgages. The measure is a guideline of the Bank of Spain, but helps to curb losses by negative rates.
The Euríbor has been in free fall since April 2014, which has benefited thousands of mortgaged people who have seen their monthly quota year-on-year. But everything has its end. With the entry into force of the Euribor Plus in July this year, mortgages will be more expensive. The rise will not make a hole in the pocket, most likely to be testimonials for the majority but for the first time in four years the fee will not go down. For significant increases, we will have to wait for 2018 and even 2019, in forecasts of David Ruiz of Afi.
The mileuristas have it more difficult to accede to the mortgages. Among the 10 cheapest mortgages on the market, only two offers do not require a minimum wage to hire them. Thus, for a medium mortgage in Spain (109,785 euros at 22 years), a consumer who could access the best mortgages on the market would pay an average initial interest of 0.99%. A single person earning a thousand euros a month would only have direct access to mortgages with an average interest of 1.15%, 16.16% more than the cheapest deals on the market.
The banks will freeze the interests of their loans at variable rates and if they move they will be upwards. In this situation, the sector will persevere in mortgages with an initial fixed rate, the first or the first two years. 80% of variable rate mortgages already have an initial fixed interest rate. David Ruiz attributes this to the need, also on the part of the bank, to guarantee a mortgage income, after the margins have waned since the bursting of the real estate boom.
If it has to be done, let it be as soon as possible. 2017 will be worse year than 2016, but better than 2018, to hire a mortgage. Cheap loans come to an end.
The bank tightens its belt. The man bites the dog. To present a healthy balance sheet this 2017 will require commercial gear to cover the holes derived from the last batch of judicial sentences.
The banks are going to loose pasta and stop entering it. Bad equation. The more for Spanish entities, whose blood flows from mortgage credit, which represents up to 50% of their market share.
And, to provision those millions of euros, banks are looking to improve the profitability of their products.
Mortgages have begun to rise in the first eight weeks of the year
Mortgages have begun to rise in the first eight weeks of the year. And slight rebounds are still expected in 2017 and 2018, the last year in which the European Central Bank is set to raise interest rates, which will hit the Euribor, the indicator to which most of the Mortgages in Spain.
The Spanish model is going to mutate. A change of trend begins to appear. Fear of recurring situations such as soil clauses, upward forecasts on interest rates, specifically on the euríbor ... The monthly fixed rate likes more and more. Faced with unforeseen fluctuations, the mortgaged is folded at the fixed rate. Without being still majority, these mortgages were multiplied by four in 2016.
In December alone, 31.6% of the mortgages constituted used a fixed interest rate, compared to 68.4% of the variable, in data from the National Institute of Statistics (INE). Almost half of the mortgaged Spaniards changed at a fixed rate, to double the number of loans, from 7.6% to 14.8%, while variable interest rates fell from 91.5% to 84.3%. They are still favorites, but according to progress 2017 will lose fans.
A fixed, a variable, with a mixed model or to play. One in three mortgages in 2016 was paid in cash. In numbers: 403,866 homes sold and 281,328 loans contracted, in INE data.
Spanish mortgages are already more expensive than in Europe. In Spain they are granted 1.97% on average compared to 1.62% in Germany, 1.55% in France or 1.82% in Portugal.
MORTGAGE MORTGAGES
A fixed type, and up. Only five banks already grant mortgages below the psychological threshold of 3%. Most are between 3% and 4%, still 6% and 7% a few years ago, when variables were spoiled by the boom banking.
Fixed rates will rise further in the coming months, "but in moderation," David Ruiz of International Financial Analysts (Afi) points out. In INE data, in January 2016 only 10% of the new mortgages were fixed rate. However, in September of the same year the figure has increased to 30%.
MORTGAGES TO VARIABLE TYPE
Banks prepare mortgage loans with opening fees, a hitherto higher rate on fixed mortgages. The measure is a guideline of the Bank of Spain, but helps to curb losses by negative rates.
The Euríbor has been in free fall since April 2014, which has benefited thousands of mortgaged people who have seen their monthly quota year-on-year. But everything has its end. With the entry into force of the Euribor Plus in July this year, mortgages will be more expensive. The rise will not make a hole in the pocket, most likely to be testimonials for the majority but for the first time in four years the fee will not go down. For significant increases, we will have to wait for 2018 and even 2019, in forecasts of David Ruiz of Afi.
The mileuristas have it more difficult to accede to the mortgages. Among the 10 cheapest mortgages on the market, only two offers do not require a minimum wage to hire them. Thus, for a medium mortgage in Spain (109,785 euros at 22 years), a consumer who could access the best mortgages on the market would pay an average initial interest of 0.99%. A single person earning a thousand euros a month would only have direct access to mortgages with an average interest of 1.15%, 16.16% more than the cheapest deals on the market.
The banks will freeze the interests of their loans at variable rates and if they move they will be upwards. In this situation, the sector will persevere in mortgages with an initial fixed rate, the first or the first two years. 80% of variable rate mortgages already have an initial fixed interest rate. David Ruiz attributes this to the need, also on the part of the bank, to guarantee a mortgage income, after the margins have waned since the bursting of the real estate boom.
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