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Russ
Elite Nomad
Posts: 6742
Registered: 7-4-2004
Location: Punta Chivato
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Fidiecomiso Payments?
I was just talking to a friend that helps out with papers and other hassles we encounter down here. Seems Bancomer has lost a few fidiecomisos and
some are unable to pay their annual fees. Anyone else having problems with Bancomer? Even with the document in hand they're unable to process the
payment.
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CaboRon
Ultra Nomad
Posts: 3401
Registered: 3-24-2007
Location: The Valley of the Moon
Member Is Offline
Mood: Peacefull
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Simply outrageous......
Some one at the bank is pocketing the payments ....
You don't just misplace a file that is physically that huge ....
And no computer trail ????
What a crock !
The person who "finds" the files IS THE PERP .....
And I will bet it is a bank officer !!
CaboRon
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LaTijereta
Super Nomad
Posts: 1192
Registered: 8-27-2003
Location: Loreto
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We were told that our 2007 payment was never made when I went to pay our 2008 payment at Bancomer in Loreto.
Seems the Bancomer has realy got problems now that all the papers have been moved to DF..
They were originally kept in LaPaz for (Baja Sur papers), then moved to TJ for all Baja docs, then few years ago moved to Cabo (san jose)... It's no
wonder they lost some of the files..
Finnally got them to clear our 2007 payment, after e-mail documents/ ceritfied mail recipt showed it was paid to (someone?) in San Jose last year.
The new Bancomer and it's people in Loreto were a great help in getting this resolved.
Democracy is like two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote.
Ben Franklin (1759)
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Russ
Elite Nomad
Posts: 6742
Registered: 7-4-2004
Location: Punta Chivato
Member Is Offline
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I want to say something but the laws down here won't permit that!
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Marla Daily
Nomad
Posts: 418
Registered: 9-2-2003
Location: Loreto, BCS
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BANCOMER IS NOT A BANK. IT IS A NIGHTMARE!
Our Fideicomiso is the second oldest in Loreto. It expires this year on its 30 year term. It took us 18 years to finally get the Fideicomiso paperwork
transferred into our names from the Americans from whom we bought our house in 1990. When we bought the house, we paid all transfer fees in full,
directly to the vice president of Bancomer, Jorge Zetina, sitting at his desk in La Paz. No transfer was produced. He stole all the money. Bancomer
shrugged and simply said "too bad"—"Jorge Zetina left the bank and no longer works here." We were informed in no uncertain terms—no apologies—we had
to start over and PAY over. Our receipts were "forged." The bank remained intransigent. Just this year we received the Fideicomiso in our names—just
in time for its expiration. So now we start anew.
Of the eighteen years we have been paying the annual Fideicomiso fee to Bancomer, ten of those years Bancomer said they did not receive payment! NICE
TRY but no cigar! Ten times we prooved to the bank the fees had been paid. Last year was the kicker—we had to prove it not once, but twice! This isn't
a bank. It is a movie prop for a Fellini film. Welcome to banking in Baja.
Then there was the time Loreto Bancomer stole the entire bank account of Don and Ann O'Neil. The account record, along with thousands of dollars,
simply vaporized.
Then there was the time Loreto Bancomer stole the Internado's account and all its money. The account record, along with all the money, simply
vaporized.
Who knows how many more Bancomer stories are out there?!
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Hook
Elite Nomad
Posts: 9010
Registered: 3-13-2004
Location: Sonora
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Mood: Inquisitive
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there have been several bad Bancomer stories involving trusts that I have heard on the other side of the Sea.
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LaTijereta
Super Nomad
Posts: 1192
Registered: 8-27-2003
Location: Loreto
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Bancomer Stories..
Having a trust that was first drawn up in Loreto with Bancomer in 1982, we have a few stories. The original trusts were only for 30 years, and many of
those trusts have started coming to duration in Baja.
Bancomer is now telling us that renewl of the trust can only be provided for 30 years, even though all "new" trusts today are written for 50 years.
Has anyone been quoted different restrictions on their pending renewals?
Wondering how easy it is to take the "fideo" to another bank..Banamex has new branch here in Loreto..
Marla... When you purchased the property in Loreto back in 1990..Why was there not a new 30 year trust set up at that time? (Sorry to here about the
problems with Bancomer in La Paz..It has always been a "crap shoot" dealing with them when the papers were down there)
Democracy is like two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote.
Ben Franklin (1759)
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DianaT
Select Nomad
Posts: 10020
Registered: 12-17-2004
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Quote: | Originally posted by LaTijereta
Bancomer is now telling us that renewl of the trust can only be provided for 30 years, even though all "new" trusts today are written for 50 years.
Has anyone been quoted different restrictions on their pending renewals?
[/quote
Our Trust is only a year old and is with Banco Interacciones---but we were told that the trust is for 50 years, with the right to renew for 30 years.
I thought that is what is normal, original 50 and renewal 30.
Anyone else using Banco Interacciones? Also, just curious, what are most of the annual fees with other banks?
Diane |
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Hook
Elite Nomad
Posts: 9010
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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We're with Interacciones, too.
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Joelt
Nomad
Posts: 131
Registered: 8-27-2003
Location: Tahoe Nv.
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Hi Russ. I was wondering if you were you able to find out what or if anything is being done about this? The reason I ask is I think mine is one of
the ones that was lost. Haven't heard a word from them. I tried to contact them but got nowhere. Just want to give them some money. HUH. A bank that
won't take money.
Joelt
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
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Mood: undecided
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Joelt, A bank that won't take money? That's got to be one for the books. Good luck. Hope it all works out and you can look back on this with a smile on your
face.
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Bomberro
Nomad
Posts: 157
Registered: 7-19-2006
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Bancomer
We have an older Fidio, it started with Probursa in T.J., later it was bought by Bancomer, we paid a fee to Bancomer because Probursa sold our Fidio
to them. Not fair...When the Fidio was first drawn, the fee was set at 400 dollars a year, we got a second Fidio on another property with Bital and
the annual fee was 300$. I called the people at Probursa and told them that I would change banks if they did not reduce the fee, they agreeded on the
phone to change it to the same 300$. This verbal change was honored by Bancomer when they took over the Fidio. This week we started the process to
revert the Fidios to simple titles as we became dual citizens last year. Bancomer still honored the changed fee and all of the papers were drawn to do
the change and it becomes final this next week..We used the bank branch at Pamillia as it is a branch that only serves non Nationals and visitors. The
Fidios are handled by an English speaking agent and is very nice to deal with, her name is Ethel, very nice to look at and very helpful. The phone
number at her office is in Mexico 01-624-144-6219, you need to select 15 when asked to enter a number in Spanish. Perhaps this will help....
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tehag
Super Nomad
Posts: 1248
Registered: 1-8-2005
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Payments
Formula that has been working for me, after years of utter silliness with Bancomer: I get the officer at the Loreto branch to call the Fidiecomiso
office and ask the fee for the current year, then pay him/her right then with a Bancomer check. As far as I know there have been no problems, and if
there ever are, the trail and receipting are perfectly clear.
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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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we don't have our paperwork finalized yet for purchase of property with a corporation, but what is the best way to get fool-proof evidence of payments
on the record? It sounds like cash and a receipt aren't enough. Are wire transfers any safer as there is international records to back it up?
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sanluquëna
Banned
Posts: 37
Registered: 8-2-2008
Location: UNINET.NET.MX
Member Is Offline
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Quote: | Originally posted by BajaNuts
we don't have our paperwork finalized yet for purchase of property with a corporation |
Oy vey. Don't tell me you fell for that "buy-a-house-with-a-Mexican-corporation-and-you-don't-need-a-fideicomiso" scam?
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bombero
Junior Nomad
Posts: 42
Registered: 11-16-2004
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Hi Russ, I was just told that Bancomer finally found my 3yr old fido and they say i owe for all three yrs,, The bank says they did,nt received the
first two yrs payments.. This fidiecomisco scandal is probably much larger than it appears on this forum and it appears quite large here! My neighbor
John got the same news on his 3yr old fido!
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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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This whole fidiecomisco deal is beginning to look like a bad dream.
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Russ
Elite Nomad
Posts: 6742
Registered: 7-4-2004
Location: Punta Chivato
Member Is Offline
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I am fortunate that my fido were I'm living I have a banks receipt for all the payments I've made. Hope that that will help when I go to renew
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
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Mood: undecided
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Russ, I hope so also. Good luck! You're living in a very special area. Fully agree with your take on the commercial seine boats operating in the Sea of Cortez. The local gill-netters that operate 24/7 twelve months of the year are doing more damage to the resident fish
populations.
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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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This should be a wake up call and alarms should ring for all residents that have a bank trust on their property. I know of several people who have
had their records go missing and all accounting of the payments go away in the mist.
'
Once again Mexico proves how much of a third world country it really is no matter how much the people on this board prop it up at times.
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