Javier Firpo
05/27/2021 12:01 PM
Clarín.com
Society
Updated 05/27/2021 12:01 PM
"There is a lot of fear, reprisals are feared, but little by little the affected people are beginning to speak. They see that one tells what they are suffering and then another case appears and thus they are encouraged because of the anguish, since
the thawing of the installments this year
, is unbearable ", describes Verónica, a member of the group of mortgaged UVA, the reason why
they are happening mortgage intimations for non-payment
.
The cases of Romina Bravo and Marcelo Macaluso, published in
Clarín
several years ago
weeks, they motivated other debtors to come out of the ostracism to ask for help due to their delicate situation, as is the case with the Cordovan María Laura Alamo (34) and Martín Abburra (39), a marriage from Villa María who, like the Macalusos, also received
a notification of foreclosure of mortgage debt
.
"We received the summons on February 9 and we went to the bank twice to try to negotiate and on February 12 we brought them
a concrete, objective and cash proposal, but they rejected it
."
The anguish, uneasiness and exhaustion are transmitted on the faces of this couple, with two young children, who live in Villanueva, a town next to Villa María.
With the intention of paying their debts and avoiding prosecuting their case
, María Laura and Martín went to Banco Nación alone, without any lawyer, and presented a proposal to settle a debt dating from April 2019, when they stopped paying the monthly fee for financial impossibility.
"Now we offered a significant amount in pesos, but the manager asked us not only for the debt, but for the total taxes and interest, which was close to
6 million
."
Order of judicial summons.
It is the one that arrived at the home of the Aburra-Alamo family, in Villanueva, Córdoba.
As with the Macalusos, they were given 5 days to respond.
To collect that sum, María Laura and Martín sold everything
they could and had: a car, a television, a computer, a washing machine, a cell phone, a crib, a table and dishes, among other things, in addition to receiving loans from family and friends. .
"We moved heaven and earth to pay, but
the bank was not interested in renegotiating the debt,
" they say.
The Abburra-Alamo family requested in May 2017 a UVA loan to be paid in 30 years of 1.7 million pesos, starting with a fee of $ 8,000.
They stopped paying in January 2019, "when the fee exceeded $ 20,000," they detail.
"We inform you that the proposal made is not appropriate," is the response that Banco Nación gave to the Cordoba couple, who made the effort to pay the debt.
"Do you know what the bank manager answered us when we made that offer to him?" María Laura still slides in with a mixture of anger and amazement.
"Put the house up for sale, it's the best, and they keep a difference and leave the country. It's the best decision
." They couldn't believe what they were hearing. "Lord, we buy the house for life, because we love our land, because we want to leave something for our children," they replied.
Martín is an agronomist, works independently, and María Laura, monotributista, sells telephone accessories. "We feel cheated by the governments of the day, firstly that of
Macri, who said that UVAs would be the best credits for inflation that would reach one digit
, and Alberto Fernández promised that the indexation index would be pesified, and that it would not be governed due to inflation or the rise of the dollar. This is the policy in this country, it does
everything
possible so that
the job is as bad as possible and that going into exile is the only option
. " Download angry Maria Laura.
The UVA (Purchasing Value Unit) "
is a loan in which you never feel like the owner of the house
. You are always paying more, when you think you are shortening the distance, after paying two years, you realize that you owe a lot more than you asked ... Why Why?
every day UVA changes value is worse than the dollar,
which sometimes is stable four or five days and may even lower;. the low UVA never
messed with our home, with our family, with the future of our children,
"mutters Abburra rage.
"We sold everything, but everything, we moved heaven and earth to pay, it is more than clear, but the bank was not interested in renegotiating", affirm Martín and María Laura.
Prisoners of exhaustion and anguish, Martín and María Laura fear losing the old forty-year-old house in which they have been investing "many thousands of pesos, since we change floors, fix ceilings, install new pipes, renew the entire electrical circuit and
the idea losing everything has us in anguish, we really can't believe it.
We went to the bank in good faith, without legal representation and they responded that way, with zero human qualities. "
Julia Irazoqui snorts, a benchmark for the national group of mortgaged individuals, who does not doubt the involuntary mistake of the marriage for having attended Banco Nación twice without a legal back. "Of course
the bank abused the lack of protection of the family
, which in no way would have acted in that way if a lawyer had been with them, because the bank, by DNU 767/2020,
must consider renegotiating the debt when the installment of the loan is greater than 35% of the income
, as it happens in this case. "
Irazoqui is convinced that "
the proposal made by the marriage is very acceptable
. They disposed of in their account to which the Nation has access a high amount of pesos, obtained with a lot of effort and sacrifice, to cancel the debt accumulated since 2019 and continue paying the loan, but it was denied.Now, since the proposal
was not presented to the Justice
- as the Macaluso family did -
my clients had the required deadline
, so we must avoid the auction at all costs of the property".
A gesture of supplication.
"We feel like Ricardo Darín in 'La odisea de los giles', a terrible helplessness," say Martín and María Laura.
Isn't it an extenuating circumstance to have presented within the period of 5 days, as required by the summons, and to have made a specific proposal to the bank?
"In a foreclosure there are no extenuating circumstances. Did you pay? No, that's it, to something else
. They didn't know, but they would have been shielded from appearing before a judge - and not directly to the bank - with that money to cancel the debt. But hey, it is something very specific and technical, they are not to blame, "exclaims Irazoqui, who feels that"
saving the house for this family is complicated
, but everything in our power is being done. "
María Laura and Martín remember when a few weeks ago they went to speak with the manager of Banco Nación in Villa María. "We listened to him, we looked at him and he repeated an entire automated speech ... We felt overwhelmed and
the image of Ricardo Darín's character came to us when he spoke with the bank manager in the movie 'The Odyssey of the Giles
'. we fell apart, Darín's character had lost his life savings ".
Clarín
contacted Banco Nación and its communication manager said: "We are going to analyze their particular case with each client. The intention of this bank's management is not to leave no one homeless." And he advanced: "
There will be no foreclosure
. We are going to summon all UVA mortgage borrowers who made claims to analyze their situation and look for alternatives. Marriage can stay calm."
"
We do not believe anything, the Macalusos did not reach any agreement
, only 180 days of suspension", say María Laura and Martín, who chew disappointment and bitterness, while it is difficult for them to imagine the future of Jhonatan (5) and Isabella (3). Like so many, they no longer believe in politicians. "We voted for Macri and he sank us, we then decided to vote blank, but now we are non-partisans. Bah,
today we are from the party of the loin, if I don't work, I don't eat
, as is happening to the vast majority of the sunken middle class in this country. ".
The trailer for that tragicomedy by Sebastián Borensztein, released in 2019, reads: "They messed with the wrong losers ... One day, the abuse the giles are used to turns into a real kick in the teeth ... And one says enough ", Fermín Perlassi, one of the victims, is heard in the skin of Darín.
"Here, anyway, and I say it with pain,
many of the debtors are cowards, they do not dare, they do not want to expose their situation
, so those of us who shout in the sky are a few", explodes María Laura.
ACE
Look also
UVA mortgage loans: Banco Nación and the Province will subsidize installments that exceed 35% of income
UVA credits: they were going to finish off the house and after a note from Clarín, Banco Nación will renegotiate the debt
