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loki
Banned
Posts: 54
Registered: 8-9-2008
Location: Spartanburg, SC
Member Is Offline
Mood: really happy
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| Quote: | Originally posted by Osprey
Only one bank down here is Mexican. The other 8 are foreign owned. What set of rules do you think applies now that did or did not apply at your
particular bank before they were purchased by a foreign bank? How do you think those rules changed? Can you do anything about it? Same thing happens
all over the world including the U.S. when banks are sold. Bank two has different rules than bank one -- did you ever in the U.S. try to sue bank one
or two for changing the rules on a contact you had? What do you expect in Mexico from banks who's new CEOs live and work in Lisbon?
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Its about the lack of oversight.Some banks are better because of the influence of the parent company.Bancomer because it was mentioned here , is a
spanish owned bank but has never had a good reputation and this fido document and money trail issue is nothing new.
Can you imagine if your bank in the USA was supposed to make your tax payments for you and lost all records of money paid out or collected from you.
What if you brought them receipts that were stamped paid by your bank branch and they said that they do not accept such documents as proof.
This is the issue some folks are finding themselves in.
I want the truth. Do not give me B$
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
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Want to be positive, helpful? Bring us some new information. We have fought our way thru all the red, white and green tape in Mexico -- we know a lot
about it. A bunch of us have bank trusts with all/any bank able/willing to be the holder and have been there, done that. Sooooo what. Come join us but
do it with a little class ---- quietly.
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loki
Banned
Posts: 54
Registered: 8-9-2008
Location: Spartanburg, SC
Member Is Offline
Mood: really happy
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| Quote: | Originally posted by Osprey
Want to be positive, helpful? Bring us some new information. We have fought our way thru all the red, white and green tape in Mexico -- we know a lot
about it. A bunch of us have bank trusts with all/any bank able/willing to be the holder and have been there, done that. Sooooo what. Come join us but
do it with a little class ---- quietly. |
Another self important sloth.
If you have been there and done that, try to offer up something more useful besides this condecending rubbish.
[Edited on 8-11-2008 by loki]
I want the truth. Do not give me B$
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BajaNuts
Super Nomad
Posts: 1085
Registered: 5-11-2008
Location: eastern WA, the DRY side
Member Is Offline
Mood: no worry, no hurry....it's all good!
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OK, just for s&g, I did about 10 searches on BN search site for -
missing fideicomiso payment
lost payment
missing payment
lost payperwork
etc
etc
I just thought maybe this topic had been covered in a previous post and wanted to make sure. Nothing came up until I searched for "missing".
This is an important issue that novices would like to be aware of. I'd heard all the horror stories of every other profession related to purchase of
property in Mexico, but not the banks.
And I have only seen 2 legitimate suggestions about how to handle and protect your payments!
Ignore the blablabla and offer suggestions from your vast well of Baja wisdom for the ultimate motive.......protection of the ignorant.........(aka
novices.............)
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BajaNuts
Super Nomad
Posts: 1085
Registered: 5-11-2008
Location: eastern WA, the DRY side
Member Is Offline
Mood: no worry, no hurry....it's all good!
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ps- I forgot to add -
graciass to the senior nomads for helping the "infants" with knowledge without the attitudes.
We all know there are hundreds of personalities (aka, real life persons) on this website and they all have great attitudes, you have to have certain
character traits to even be interested in Baja, MX to start with.
It would be be nice to get through a post without all the periforal schtuff getting in the way of actual information relating to the original subject.
jmho
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
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What exactly do you expect to learn from all this? I got beat up once by bank A in Loreto, paid cash, they stole it. I did fine in La Paz once paying
by check. I went through a nightmare in Cabo with Bank C, paying by wire, then cash, then check always with a receipt and I still had to go to an
attorney. Do you see where this is going? Every bank is different, you protect yourself as best you can using common sense, hoping you get through it
without having to pay double. There is no easy magic bullet. My wife and I paid by check to HSBC in Cabo in a cubicle next to our neighbor who we saw
paying in cash. We had no trouble then or since (except they gave us somebody else's receipt this last year) while he was badgered for 4 years,
sending them copy after copy of his receipt before he got back all his fine money accumulated over the years while he was unaware of the trouble. I
will suppose that HSBC will be puchased, sometime in the next 37 years left on my trust, by a big Russian bank which will give fits to my
beneficiaries and there is nothing I can do about it now. If you give a dance, you gotta pay the band. If you want to live in your own house in Mexico
you gotta dance the dance. Give up, give in, keep a healthy, happy attitude and you'll get through it all not matter what bank and you can jawjack
about it incessantly at the 19th hole.
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Marla Daily
Nomad
Posts: 418
Registered: 9-2-2003
Location: Loreto, BCS
Member Is Offline
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IT ALL A MATTER OF PERSPECTIVE—
I posted our Bancomer horrors at the beginning of this thread to let others know about what our experiences have been with the second oldest
fideicomiso in Loreto. It has been an interesting, if bumpy 18-year ride. Do we curse Mexico? Did we fold? No—we held it. And we continue to do so. Of
course it is frustrating. Has it been worth it? YOU BET! The inconveniences pale in comparison to what we gain in quality of life. Our camping and
expolration opportunities trump any paperwork nightmares.
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Santiago
Ultra Nomad
Posts: 3512
Registered: 8-27-2003
Member Is Offline
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| Quote: | Originally posted by Osprey
I went through a nightmare in Cabo with Bank C, paying by wire, then cash, then check always with a receipt and I still had to go to an attorney.
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I've been reading this thread carefully and you're the first to mention using an attorney which, of course, would be the first or second thing we
would do in USA. I am also curious as to the meaning of a receipt in Mexico - is it the same? And if it's not too personal - did the attorney simply
have to contact the bank on your behalf or did you have to sue (not even sure that's possible?)
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k-rico
Super Nomad
Posts: 2079
Registered: 7-10-2008
Location: Playas de Tijuana
Member Is Offline
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I'm wondering what others pay.
I'm at Scotia Bank, $500 plus $50 tax. Third year.
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rleon
Newbie
Posts: 2
Registered: 8-11-2008
Member Is Offline
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An Answer from Bancomer
My Name is Raúl León and I work in Bancomer trust department (Fideicomisos) in Cabo. With sadness I read all your posts and replays and I’ truly sorry
to read this. I understand the position of all of you and know we’ve had many problems in the past, know that in many cases (most) you have total
reason in being complaining and mad about the service you have receive in the past.
The main objective of this post it to open a communication channel with all of you and to approach to everyone that feels has been mistreated by
Bancomer’s trust department of that has complains or feedback.
Again, I’m Raúl León. Senior Manager Fiduciario (In charge of origination, not of administration, but willing to help), at Palmilla Offices: Carretera
Transpeninsular, Kilómetro 27.5, Palmilla., San José del Cabo B.C.S., C.P. (Zip Code) 23406, Centro Comercial (Mall) Las Tiendas de Palmilla, Locales
112 & 113, Phone and fax: (624) 14-462-18, (624) 14-462-19, (624) 14-462-20, (624) 14-462-21 Ext. 14, Cel Phone: (044-624) 15-16-332, E Mail:
m8252160@bbva.bancomer.com
If you have problems regarding your annual payments, transfer or rights, or any administrative issue, contact Ethel Castro, in same offices than I and
with same phones just dial extension 15 or 16 (very tough to contact) or send her an E mail to m840816@bbva.bancomer.com Please be patient with the
phone, we are usually overloaded with phone calls and it sounds as if no one answers when actually it’s busy and that’s why I’m providing also my
information and cel phone.
We also have offices “corner” in La Paz, Todos Santos, and Loreto were an executive of the Preferred Customers Unit can be reached and assist you,
they’ll speak to you in English and be very kind. They are in banking services, not trust department but they’ll gladly help you and serve as a link
with trust department in able to give you a better service.
In La Paz, contact Blanca Rosa Corral Del Castillo, she is in Isabel La Católica S/N, entre Nicolás Bravo y Melchor Ocampo, Col. Centro, La Paz,
B.C.S C.P. 23000, phone (612) 12 364 58, E Mail b.corral@bbva.bancomer.com
In Todos Santos contact Daniel Dorantes Guzmán, he is located in Calle Benito Juarez e Ignacio Zaragoza, Col. San Ignacio S/N, municipio de la Paz
Todos Santos B.C.S. CP 23300, phone 612-14-5-03 08 ext 16, E Mail d.dorantesg@bbva.bancomer.com
In Loreto contact Liliana Carranza Cota; she is at San Juan Manuel de Basualda & Fray Junipero Sts., Mz 072, zone 003, Col. Centro, Zip Code
23880, Loreto B.C.S., phone (613) 135 1642 and E Mail liliana.carranza@bbva.bancomer.com
As you see, I might not solve everything but I’m willing to help and assist your in all that’s in my hands so please feel free to contact me or any of
the executives above mentioned.
Best Regards
[Edited on 8-11-2008 by rleon]
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DianaT
Select Nomad
Posts: 10020
Registered: 12-17-2004
Member Is Offline
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Our fideicomiso is not with Bancomer, but that last reply is wonderful---what a great response.
Thank you, Raul Leon. Your post should be a great help to many people.
Diane
[Edited on 8-11-2008 by jdtrotter]
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CP
Nomad
Posts: 434
Registered: 7-19-2006
Member Is Offline
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My fide comiso IS with Bancomer and I do have concerns about the correct application of my last two annual fee deposits. I won't bore you all with
the details.
I am very pleased that someone at Bancomer has taken seriously the frustrations expressed in this thread and has provided not only names and phone
numbers but e-mail addreses, too.
Gives me hope!
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comitan
Ultra Nomad
Posts: 4177
Registered: 3-27-2004
Location: La Paz
Member Is Offline
Mood: mellow
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Osprey Did you not get the letter from HSBC that states they have hired another firm(REAL ESTATE TITLE,S.C.) To collect our fees their offices are
in Hermosillo,Sonora.
Strive For The Ideal, But Deal With What\'s Real.
Every day is a new day, better than the day before.(from some song)
Lord, Keep your arm around my shoulder and your hand over my mouth.
“The sincere pursuit of truth requires you to entertain the possibility that everything you believe to be true may in fact be false”
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
Member Is Offline
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No, thanks for the alert Comitan. Hat's off to you.
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
Member Is Offline
Mood: undecided
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It ought to be simple. Pay the bank, by law the legal guardian of your property. This is my understanding of the relationship. I'm getting the
picture of people running around with sacks of money looking for some one to give it to that will guarantee their ownership. There's no legitimate reason for all the confusion and uncertainity about paying your
bills.
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baja-spirit
Junior Nomad
Posts: 82
Registered: 1-11-2008
Member Is Offline
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Thank you Raul Leon. This will really help. My fidiecomisco's ( we have 2) started out in LaPaz then it went to TJ and from there I have no idea. I
was sending the payment to the last address I had and I get nothing back. Not even the canceled checks anymore. We shall be in touch with you
soon......
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La_Paz_Banker
Newbie
Posts: 3
Registered: 8-11-2008
Location: La Paz B.C.S.
Member Is Offline
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My names is Blanca Corral I am in charge of the Preferred Customer Unit from BANCOMER in La Paz, that is a bank service just for foreigners our
service is in English and I tried to help you at anything that you need related with banks if you need any more information about it or any question
about the bank system in México fell free to contact me, also I work with Raul Leon has he mentioned in his post.
b.corral@bbva.bancomer.com tel 612 12 36458
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
Member Is Offline
Mood: undecided
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Is there something wrong with this whole Fidiecomiso game? You make your
payments  . Oops! You paid the wrong bank/person? They lost the paperwork? Gosh!
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
Member Is Offline
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Cypress, I can't round up all 700,000 fidiecomiso holders in Mexico to answer your questions but I think if I could put you in a big room with them
you would get the idea that the system (the only one available so you and I can enjoy our own little place in Mexico) works -- your oversimplification
of the situation (it's not a guardian ship BTW -- that's for people, not land) makes a mockery of all the hard work we put into obtaining and holding
this precious and sometimes frustrating trust. Why don't you study up on it if your interested -- sounds like it might be a challenge for you.
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
Member Is Offline
Mood: undecided
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Osprey, So? I'm not interested in getting tangled up in the fidiecomiso run-a-round. If you feel all your your "hard work" is a mockery, well, you said it, not me.
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