We are so used to hearing the words "rule of law," "democracy," "equality," "justice", etc.. ... I think we have forgotten its meaning, the value represented and how easy it is violated by those who are able to do it, that accidents of life are the most to fill their mouths with them.
Now a bank can falsificarte signature, charge whatever they see fit, to invent and cancellation amounts to no answer when you claim any such rights, we theoretically and in practice, only they have. If an individual fails to pay a single monthly installment, the entire administrative arsenal rests on their shoulders with threats of foreclosure and default interest, but when it bypasses the protocol is the same set of standards, the impunity makes presence of the most devastating possible. In principle, one might think that's why there are estates law enforcement agencies or regulators, but do accounts of time, money and chance of success, because they still may have a naïve idealist who thinks that this country is equal justice for all.
Take the case as well, giving the imagination (in this country because it can not happen), that a bank forges the signature of a swap contract to a particular account, exclusively, a payroll of just over $ 1,000 and a mortgage to pay every month due to stealing $ 3,000 by the end of the year to 6,000, if they have achieved overwhelming him as much as to require its cancellation. Visualize this as if it were a movie, and imagine that happens ask the original contract and realizes he has forged the signature.
First possibility is to fix it for good, mostly out of sheer ignorance of the very serious procedure and to avoid another headache rather than have them everyday though too, like paying the mortgage, no matter what happens, no stops paying. And putting ourselves in the worst, supongámonos giving no answer. Well, that's what the Bank of Spain right? For figures that the process is extended to six months because the volume of complaints is so very large that can not cope (and, I know this is to think too much, but let's try it, it's a movie right?) And also if not conclusive, because they can ignore, as a council gives us our mother, is not appropriate because a counterfeit is a crime and that competition is too high for the agency that regulates banks. Then there is only go to court and make that headache in the problem of the bag heavier. Well, let's get that dignity comes first and that not going to get that break the will of our supposed protagonist.
goes to a lawyer, recounts his experience and discover that the "savior" of the injustices of people will listen, if it pays to the above lawyer, attorney, expert graphic design specialist and have the patience to wait several years to resolve. And meanwhile, do not forget to continue to meet the payments that have not signed the contract, lest the debt is accumulated with interest that this entails and can open a file attachment that goes faster than your complaint.
If we add all these conditions, it turns out that this particular poor, if you decide to withdraw, you will have to pay 10,000 euros to be heard, continue paying the conditions of SWAP and wait four years to celebrate a verdict favorable. So in the balance are the $ 3,000 intended to rob the bank at the end of the year was 10,000 or judicial process. What to do?
I fear that this science fiction movie and just no room for tantrums and the fervent desire that their situation is published, posted, broadcast by any media. Well either. The bank puts a lot of advertising, pays well and has an excellent relationship with power. Who would dare?
Perhaps this blog is one of the few (I hope not) that the burden of the corruption of the country to bring it to heave to, because although it may sound idealistic and naive, I do believe in the rule of law and although not apply, no one will be denied to scream and claim it from the rooftops. Ah! I forgot! The film is based on real events and this honorable as good practice bank is Banco Santander.
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