ForumI have tried to reply to the Enel question but it not happening. I then tried to contact the Forum. Yoou write your message and are then asked to do a sum. Did it correctly several times but it kept saying I was wrong.
I have tried on several occasions to delete this PM and to block the author by clicking on the instruction to do so. It has not disappeared from my message box. Does anybody know how ro get rid for good, ta?
The right to free prescriptions in the UKis not determined by the ages of 60 or 65 any longer. For example, I will not become elegible for my state pension until the age of 63. Therefore many benefits that a few years ago would have kicked in at age 60 are not now open to me until 63 under new rules. Some of my colleagues, also female, will not get state pension until they are 64. This is the gradual harmonisation by the last government here to equal up to 65 with males. Unfortunately, this will soon be old hat as the talk is that there will be no upper retirement age which will probably mean that the state pension age is likely also to go up. So only those who came under the old 60 age group for state pension will be able to claim things at that age. This will also rise to 65 - for now. Also discussions are afoot that will mean that state pensions in future will be determined by a basic amount which can be added to determined by how many years you worked and paid into the state. Many people have company pensions, which can be accessed at the age of 60. This has nothing to do with the state, but comes under the jurisdiction of your pension company. Since 2008, most of these are 65 for new members. I have the right to collect my public sector state of the art pension at 60, all £ 300 quid a month after 30 years. But it is no use to me as I cannot collect the state one until 3 years later. Public sector Trade Unions are driving the fight against these changes but at the rate that redundancies are happening , there won't be many of us left to fight. This may have some bearing on what the Goverment will pay other EU countries for your health care. So to sum up, the UK will have many different 'payouts' at different ages. To confuse things further, in Scotland we have a lower prescription charge than other parts of the UK. This will decrease to no charge at all for prescriptions if SNP get back in here. It will be different for, England, wales and N Ireland. So we no longer have a unified UK system either! What all this means in agreements with other EU countries I cannot say. All I know is that we have a confusing situation ourselves which is hard for us to understand let alone trying to get to grips with other countries. And just like they cannot dictate to us what to do, nor can we.
Fillide, It is not about rushing and not about knowing the details. It is not about also leaving things and walking away. It is about being taken for a ride and losing money. Not just about the purchase, the utilities; the planning; the building; having no recourse when things go wrong and you cannot take folk to task without getting into a serious dispute, outside of the legal process and in the community. Being told not to go there or you will rue the day. Being told not to go there in case you cause the perpertator to lose their Bella Figura. Being told by good people that you absolutely cannot win against a system or the 'professionals' ( at all levels). You don't have to know what happened other than I was very patient, did everything I could by the book etc. It is not just me, these things keep happening to friends on this, previous and other forums. No hard-earned money is neglegible. We have had folk on this forum who cannot move into their home as they have a dispute with the Geometra and he will not sign off the house - gates closed and padlocked! It is not all about Estate Agents though many are the complaints and wasted trips by all accounts because of them. It is a disgrace. Yes it is all fine and dandy having done you piano piano and it finally works out. But too many folk have been frightened by experiences and lost money. I have never been frightened to pursue justice here in UK regarding house purchase or work. Many of us are discerning, hard-working, honest, not necessarily trusting, but you have no choice at various levels to progress with systems. None of it comes free, we pay for people to look after our interests and we pay for services. We all deserve value for money not fear and loss. Over and over again we read about the most awful experiences. I resent the implication that everybody it happens to is naive ot trying to get a bargain or trying to 'rush'. It is a rotten system most of the time when so many get away with it. It should just not be like this in an EU country of long-standing. Purchasers of homes and related services should have more protection. I am also a professional and would have no hesitation in shopping anyone who brought shame on my profession or related services to it. Too scary to do that here for most foreigners. It goes on so much because not enough folk do anything about it . That is why this case is so talked about - because it is unusual. Let's have more such justice. More prosecutions have to happen at all levels so that folk get justice and their money back.
We did not all turn up in Italy without doing research re the buying process. Also We did not all underdeclare the value. Some of us have tried to do everything we could not to be caught out. We did not all grab any old person who happens to speak English. But when you have done all you can and everything is at the finale Act stage, and as by law is being translated, and you find that furballs which you could not have predicted even if you lived in the country, and which were missed by those you are paying to search appear out of the blue that is just not defendable. When you pay all around you then fly home empty-handed. Non Prima casa houses fees and property taxes, turning on of utilities etc, all above board, can reach 17%.People should be taken to task if it is a bad as posted on these forums. I have bought a number of homes in UK, like most folk and their families, and the one time it had to fall through many years ago, I was compensated for my expenses.It is obvious that a right 'routing' is needed. There should be more prosecutions. Folk cannot just have it that they lose money hand over fist with no great chance of natural justice. Naivety may be a con man's delight, but it is not a crime and causes distrust in the professions. Folk have no choice but to use certain people to get through the sytem and they should not have to feel bullied into silence by any of the professionals including Geometras.
It is not always that easy. For example, you have to trust that the civil servants, ie Notary has done all the searches. I have had the experience of just before the final sale finding out that others who were not on the old 'deeds' ( that's another laugh, the so called equivilant of deeds) were actually unregistered inheritors and at the last minute decied that they did not want the house to be sold or wanted to up the price. This cost me an awful lot of time and money as well as the expense of trips back and fore. And using up my precious work leave for nothing in the end. A money maker for many but not for me. I was just the donnor. I was also told the 'untangling' was a simple matter. It was not and went to court several times over a period of a year and I gave up. Also folk have had the experience of not being made aware of the law, eg. others have first refusal in certain rural situations. This after paying through the nose for legal professional advice. Out of pocket and nobody caring and nobody taken to task. Also an archaic system where the unpaid tax and debts belong to the property and not the debt holder. If you are lucky, this will out, again making you have to pull out after a number of trips, hopes and dreams broken. An overhaul, you can say that again.
It is lucky that they did not build on the land. Many people posting here have had various 'rip-offs' with property related 'professionals' including psuedo agents. They usually receive advice warning them that trying to fight it out in court will be costly and lenghy. So they have to put up with their loss. This makes me mad. Glad that at long last some of these people and a geometra go their comeuppence.
Valentina, I think that you are being a bit harsh on Ram. Italy Mag is well-respected and facilitates our forum. We are not supposed to advertise bona fide businesses here as there is no payment for that. Though folk do discuss where they buy things etc so it is a bit confusing. But what is not confusing is that, according to these pages, many people have been ' stung' with no recourse to law - and the many reasons why are well-documented here. It would be a complete travesty if all these firms had carte blance to advertise here. Ram is, as are others, right to point out to the rest of us, who, what , how and why to avoid. That is one of the main reasons that people join the forum and indispensable advice has been offered. I for one have managed to avoid costly and fearful situations due to members, as I am sure many others have too. This all being so, then you should not be surprised for being criticised when we Forum members see said 'stingers' adverts. End of.
Comments posted
There is an article in this weeks Italia Magazine about this.
The right to free prescriptions in the UKis not determined by the ages of 60 or 65 any longer. For example, I will not become elegible for my state pension until the age of 63. Therefore many benefits that a few years ago would have kicked in at age 60 are not now open to me until 63 under new rules. Some of my colleagues, also female, will not get state pension until they are 64. This is the gradual harmonisation by the last government here to equal up to 65 with males. Unfortunately, this will soon be old hat as the talk is that there will be no upper retirement age which will probably mean that the state pension age is likely also to go up. So only those who came under the old 60 age group for state pension will be able to claim things at that age. This will also rise to 65 - for now. Also discussions are afoot that will mean that state pensions in future will be determined by a basic amount which can be added to determined by how many years you worked and paid into the state. Many people have company pensions, which can be accessed at the age of 60. This has nothing to do with the state, but comes under the jurisdiction of your pension company. Since 2008, most of these are 65 for new members. I have the right to collect my public sector state of the art pension at 60, all £ 300 quid a month after 30 years. But it is no use to me as I cannot collect the state one until 3 years later. Public sector Trade Unions are driving the fight against these changes but at the rate that redundancies are happening , there won't be many of us left to fight. This may have some bearing on what the Goverment will pay other EU countries for your health care. So to sum up, the UK will have many different 'payouts' at different ages. To confuse things further, in Scotland we have a lower prescription charge than other parts of the UK. This will decrease to no charge at all for prescriptions if SNP get back in here. It will be different for, England, wales and N Ireland. So we no longer have a unified UK system either! What all this means in agreements with other EU countries I cannot say. All I know is that we have a confusing situation ourselves which is hard for us to understand let alone trying to get to grips with other countries. And just like they cannot dictate to us what to do, nor can we.
Fillide, It is not about rushing and not about knowing the details. It is not about also leaving things and walking away. It is about being taken for a ride and losing money. Not just about the purchase, the utilities; the planning; the building; having no recourse when things go wrong and you cannot take folk to task without getting into a serious dispute, outside of the legal process and in the community. Being told not to go there or you will rue the day. Being told not to go there in case you cause the perpertator to lose their Bella Figura. Being told by good people that you absolutely cannot win against a system or the 'professionals' ( at all levels). You don't have to know what happened other than I was very patient, did everything I could by the book etc. It is not just me, these things keep happening to friends on this, previous and other forums. No hard-earned money is neglegible. We have had folk on this forum who cannot move into their home as they have a dispute with the Geometra and he will not sign off the house - gates closed and padlocked! It is not all about Estate Agents though many are the complaints and wasted trips by all accounts because of them. It is a disgrace. Yes it is all fine and dandy having done you piano piano and it finally works out. But too many folk have been frightened by experiences and lost money. I have never been frightened to pursue justice here in UK regarding house purchase or work. Many of us are discerning, hard-working, honest, not necessarily trusting, but you have no choice at various levels to progress with systems. None of it comes free, we pay for people to look after our interests and we pay for services. We all deserve value for money not fear and loss. Over and over again we read about the most awful experiences. I resent the implication that everybody it happens to is naive ot trying to get a bargain or trying to 'rush'. It is a rotten system most of the time when so many get away with it. It should just not be like this in an EU country of long-standing. Purchasers of homes and related services should have more protection. I am also a professional and would have no hesitation in shopping anyone who brought shame on my profession or related services to it. Too scary to do that here for most foreigners. It goes on so much because not enough folk do anything about it . That is why this case is so talked about - because it is unusual. Let's have more such justice. More prosecutions have to happen at all levels so that folk get justice and their money back.
We did not all turn up in Italy without doing research re the buying process. Also We did not all underdeclare the value. Some of us have tried to do everything we could not to be caught out. We did not all grab any old person who happens to speak English. But when you have done all you can and everything is at the finale Act stage, and as by law is being translated, and you find that furballs which you could not have predicted even if you lived in the country, and which were missed by those you are paying to search appear out of the blue that is just not defendable. When you pay all around you then fly home empty-handed. Non Prima casa houses fees and property taxes, turning on of utilities etc, all above board, can reach 17%.People should be taken to task if it is a bad as posted on these forums. I have bought a number of homes in UK, like most folk and their families, and the one time it had to fall through many years ago, I was compensated for my expenses.It is obvious that a right 'routing' is needed. There should be more prosecutions. Folk cannot just have it that they lose money hand over fist with no great chance of natural justice. Naivety may be a con man's delight, but it is not a crime and causes distrust in the professions. Folk have no choice but to use certain people to get through the sytem and they should not have to feel bullied into silence by any of the professionals including Geometras.
Unbelievable!
It is not always that easy. For example, you have to trust that the civil servants, ie Notary has done all the searches. I have had the experience of just before the final sale finding out that others who were not on the old 'deeds' ( that's another laugh, the so called equivilant of deeds) were actually unregistered inheritors and at the last minute decied that they did not want the house to be sold or wanted to up the price. This cost me an awful lot of time and money as well as the expense of trips back and fore. And using up my precious work leave for nothing in the end. A money maker for many but not for me. I was just the donnor. I was also told the 'untangling' was a simple matter. It was not and went to court several times over a period of a year and I gave up. Also folk have had the experience of not being made aware of the law, eg. others have first refusal in certain rural situations. This after paying through the nose for legal professional advice. Out of pocket and nobody caring and nobody taken to task. Also an archaic system where the unpaid tax and debts belong to the property and not the debt holder. If you are lucky, this will out, again making you have to pull out after a number of trips, hopes and dreams broken. An overhaul, you can say that again.
It is lucky that they did not build on the land. Many people posting here have had various 'rip-offs' with property related 'professionals' including psuedo agents. They usually receive advice warning them that trying to fight it out in court will be costly and lenghy. So they have to put up with their loss. This makes me mad. Glad that at long last some of these people and a geometra go their comeuppence.
Many thanks to both of you. Thought I had that but must have done it wrongly
Valentina, I think that you are being a bit harsh on Ram. Italy Mag is well-respected and facilitates our forum. We are not supposed to advertise bona fide businesses here as there is no payment for that. Though folk do discuss where they buy things etc so it is a bit confusing. But what is not confusing is that, according to these pages, many people have been ' stung' with no recourse to law - and the many reasons why are well-documented here. It would be a complete travesty if all these firms had carte blance to advertise here. Ram is, as are others, right to point out to the rest of us, who, what , how and why to avoid. That is one of the main reasons that people join the forum and indispensable advice has been offered. I for one have managed to avoid costly and fearful situations due to members, as I am sure many others have too. This all being so, then you should not be surprised for being criticised when we Forum members see said 'stingers' adverts. End of.
It will be a fight to the finish - to see who gets the house that is, lucky you.