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Author: Subject: Fidiecomiso Payments?
Russ
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[*] posted on 8-1-2008 at 06:20 AM
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
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[*] posted on 8-1-2008 at 10:38 AM


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
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[*] posted on 8-2-2008 at 03:33 PM


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.




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Russ
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[*] posted on 8-2-2008 at 03:57 PM


I want to say something but the laws down here won't permit that!:fire:
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Marla Daily
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[*] posted on 8-2-2008 at 09:57 PM
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
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[*] posted on 8-3-2008 at 08:45 AM


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
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[*] posted on 8-3-2008 at 09:29 AM


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)




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DianaT
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[*] posted on 8-3-2008 at 09:40 AM


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
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[*] posted on 8-3-2008 at 12:36 PM


We're with Interacciones, too.



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Joelt
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[*] posted on 8-5-2008 at 12:11 PM


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.



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Cypress
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[*] posted on 8-5-2008 at 01:23 PM


Joelt, A bank that won't take money? :?: That's got to be one for the books.:o Good luck. Hope it all works out and you can look back on this with a smile on your face.:biggrin:
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[*] posted on 8-8-2008 at 03:45 PM
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
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[*] posted on 8-8-2008 at 04:00 PM
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
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[*] posted on 8-8-2008 at 08:48 PM


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
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[*] posted on 8-8-2008 at 09:13 PM


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
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[*] posted on 8-9-2008 at 07:34 AM


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
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[*] posted on 8-9-2008 at 11:01 AM


This whole fidiecomisco deal is beginning to look like a bad dream.:)
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Russ
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[*] posted on 8-9-2008 at 11:59 AM


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 :spingrin:
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Cypress
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[*] posted on 8-9-2008 at 01:10 PM


Russ, I hope so also.:D Good luck!:bounce: You're living in a very special area.:bounce: Fully agree with your take on the commercial seine boats operating in the Sea of Cortez.:bounce: 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
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[*] posted on 8-9-2008 at 05:10 PM


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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