Daniel is overwhelmed with words when he tries to describe how he feels. He has a mixture of anger and helplessness because this Wednesday he has to leave the house in which he has lived for the last two years. Last December 21, in the middle of Christmas, BuildingCenter, Caixabank real estate agency informed him that this January 24 would be evicted and has not been able to prevent it “despite all efforts to negotiate” with the bank.
It was Daniel’s father who bought the house in Madrid in 2007, when the real estate bubble was about to burst. It is a 48 square meter apartment in the Vallecas neighborhood that cost just over 200,000 euros and the mortgage that the bank – then La Caixa – granted him had some “abusive clauses”. For 10 years he was able to pay about 100,000 euros in mortgage, but in 2017 he lost his job and could no longer afford the payments, which went from about 700 euros per month to more than 1,500 with the rise in interest rates. Daniel’s father tried to negotiate dation in payment with the bank, but they did not grant it. and, finding himself cornered by debt and faced with the “fear and shame” of not being able to make the payments, he decided to leave everything in Madrid and go to Colombia, where he could start from scratch.
It may interest you: Health approves a new drug against lung cancer that consists of one pill a day
For five years, from 2017 to the end of 2021, the house remained empty. Daniel, who was then living in Asturias, had just separated from his partner and had lost his job, so he decided to return to Madrid and settle in his father’s apartment. “When I requested a simple note at the Property Registry, they told me that the owner of the house was my father, not the bank,” the young man explains to Infobae, that after obtaining that informative document, he registered in the home and settled there “with the intention of renegotiating his father’s debts and those abusive clauses” of the mortgage.
Six months after settling in his father’s house, a worker of BuildingCenter He showed up there to tell Daniel that the apartment belonged to Caixabank after having been auctioned and awarded to the bank, “although they had not even bothered to change the lock nor had they taken responsibility for anything,” he says. “There they tell me that they offer me up to 2,000 euros, depending on my situation, to leave the house and look for a life, and I reject it. In the end everything remains in the same bubble as the banks,” he says indignantly on the other end of the phone. Shortly after, Daniel would receive a demand for eviction due to precariousness, the procedure by which the bank judicially claims possession of the home from the person who occupies it without legitimate title to do so.
It may interest you: The drought in Spain cannot be fixed with transfers: “The Andalusian Government promises water that does not exist”
“Caixabank He has never wanted to negotiate and that creates enormous helplessness and damages your mental health. I just wanted to ensure that they didn’t demand anything financially from my father regarding the home, because now they are going to screw up his pension, and he had already paid half the mortgage,” he laments, while calling many of the practices “fraudulent.” that the banks carried out with mortgages years ago.
After two years of fighting, Daniel assures that he perfectly understands people who have committed suicide after receiving an eviction order, because “it is really horrible.” “Banks really leave people without options,” he says.
It is worth remembering that Daniel, currently unemployed and not receiving any aid because he has been denied the Minimum Living Income, stays on the street despite the fact that last December government The suspension of evictions was extended until 2025 and launches for vulnerable households without housing alternatives, as well as the impossibility of cutting off basic supplies of electricity, water and gas. One of the main reasons why evictions continue to occur is because the economic vulnerability requirements that must be met to stop them are too demanding and not everyone can meet them. Added to this is that the process is not immediately suspended if the established requirements are met, but rather depends on the decision of the court on duty.
Although he knows it is difficult, Daniel maintains a small hope that this Wednesday he will be granted “at least” that extension to have a little more time to organize himself and get a job.
This young man from Madrid greatly appreciates the Platform for People Affected by Mortgage (PAH) of Vallecas the work they have done during all these months, accompanying him along the way and giving him support, because without their help, he admits, “he doesn’t know how he would have moved forward.”
From the PAH they clarify that BuildingCenter has filed a lawsuit against the father for a crime of usurpation of housing and Daniel as an “ignored occupant”, not knowing the details of the person who is in the property, even though the young man has identified himself. The young man has filed an appeal and is now awaiting a response from the court.
The platform ensures that they will continue fighting to achieve fair housing legislation that protects people.