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On the 4th December 2009 the new Spanish Ley de Servicios de Pago (Payment Services Law) 16/2009 came into force. This gives consumers who use credit and debit cards, and “libretta”, bank books in Spain important new rights, but also may push up prices up for consumers who choose to pay by card rather than cash. There are also important new rights to query amounts taken by direct debit from bank accounts for payment of regular bills such as electricity, water, and other sums.
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Many foreigners resident in Spain go to great lengths and expense to try and put their affairs in order to avoid complications for their families after their deaths. It can come as a great shock and a disappointment to discover that the arrangements which were so carefully made fail to have the desired effect.
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Builders' Ten Year Guarantee |
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With certain limited exceptions the Ley de Ordenación de la Edificación 38/1999 (Law of Building Regulation) which came into force on 6th May 2000 imposed on all builders the obligation to provide a 10 year guarantee of their work to property. This obligation applies not only to new building but also to work of reconstruction and reforms which changes the layout of a property in any way. The guarantee has to cover defects in construction and must be provided by an insurance policy, known as a “seguro decenal” taken out by the builder which provides cover on a reducing basis for 10 years after completion of construction.
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In the present economic climate with fluctuating exchange rates many foreigners who do business or who are involved in property transactions here in Spain are looking to denominate their transactions in currencies other than the euro, such as Sterling or US dollars. It is vital that this aspect is settled in writing at the start of any dealings to avoid misunderstandings later on.
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Bullying And Discrimination At Work
This is the second article in the short series dealing with common problems faced by employees at work.
If the your employer is doing well but not treating its entire staff equally this could classed be as bullying or “mobbing” as it is known in Spain, or in England technically as “constructive dismissal”. The aim is to drive you into a position where you are forced to resign apparently voluntarily and not be eligible for compensation or unemployment benefit.
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