This post by Financial Education He recounts the experience of the citizen Alfonso struggling with II ^ subrogation of the mortgage (Law n ° 40 of 2 April 2007 – so-called Bersani Law).
Alfonso decides to travel to the Italian Bank Loans (fictitious name), because it whetted by advertising exposed Featured (the officer to mortgages is called Chiara).
Day 1
A: Good morning Miss Chiara I went to get information about your proposals for subrogation of the mortgage.
C Good morning to you Mr.. Alfonso, to proceed you need you to take me to the documentation listed in this leaflet, soon as it holds such returns documents that we make a proposal.
A: Perfect thank you. See you soon. I wish you a good day!
C: Same to you Mr.. Alfonso. Good day.
Day 2
A: Good morning Miss Chiara I went to deliver the documentation.
C Good morning to you Mr.. Alfonso, very well (from a quick look and slightly annoyed says) ah but she has already surrogate once he had not told me the other day (the so-called serial subrogation is frowned upon by banks, because they were insufficiently loyal customers). Okay we'll know when we begin the process.
A: Yes please, and still the law does not forbidden to do more of a subrogation. Anyway I await your news. Good day
C: Same to you Mr.. Alfonso. Good day.
Alfonso in a few days, It delivered the required documentation. Clear him immediately reported the timing a bit 'long in the first analysis of the documentation, but it also reassured Alfonso telling him that the advertised conditions would be valid until the end of the year.
After 30 days Alfonso gets a call from Chiara with which it requires a cadastral additional document (promptly supplied to him by Alfonso by mail). An hour later, Alfonso receives an email from Clare who thanked him for the document provided, but it noted that in his previous load steps are prejudicial. Whereupon Alfonso a little 'confused by the incident promptly replied with an email in which he explained that they have never been in the city where there were alleged against him slopes. The email Chiara response was that would have required a more thorough check.
It was another 20 days without receiving signs of life from the bank, Alfonso writes an email in which he asked news about the outcome of this "thorough check". After three days I receive an email from Chiara, which states that the background check has failed and that the following week he would make her feel that you could go to Resolution.
Weeks will have passed away almost two and still no contact from Clare towards Alfonso, irritated by the slowness that the practice took, He decides to write an e-mail requesting to Chiara friendly update on the aforementioned practice, and so turns out that it is the day of the beginning of Clare holidays (from reading the mail "out of office" received – who Alfonso, waiting for the return to work of Chiara, with the T-shirt that does not give serial surrogatore, He decides to go running to every morning for the next 15 days).
A return from holiday, Chiara wrote an email to Alfonso, where it issued a quick test of practice that, in his absence, He was followed by one of her colleagues. A few days later, Chiara tells Alfonso had given the assignment to the Company employed to the expert reports, warning him that it will be contacted by the latter to the appointment with the appraiser.
Without the expertise, Alfonso remains perplexed on commercial assessment that has informed the expert (to survey the senior surveyor is precise and meticulous with camera in tow and ordinance meters). Upon receipt of the expert report, Alfonso clear confirmation that the near future will communicate, the date set for the deed.
And so, Finally, after about six months, arrives on the day of subrogation of the mortgage (Alfonso, not the never liked, the silent and earnest offices of Notaries).
Exchange of checks between the two banks referents (the outgoing and incoming) reading of the contract by the Notary and away with the ballet of signatures (with cards that run on the table looking dell'autografante).
Handshake for everyone and so to celebrate this new financial success (Alfonso offers lunch to his friends telling long experience just ended).
goals achieved
shortening of the loan and lower interest payable.
Alex Gaetani