Taxes

Just got back from our trip to the UK to discover that we had just missed a registered letter.  When we tracked it down (It had been given to a Dutch couple who know us.) we found out that it was a demand  for unpaid taxes on the house, now when we brought the house we paid taxes, as is required, but it seems that the government thinks that we didn’t pay  enough, so they have done a valuation and are basing the tax on their valuation. Their valuation says that we have underpaid the taxes  buy about €1600. It’s going to be difficult to pay this and still have enough money for the summer and savings. What really makes it worse is that it has taken four years to work this out and they have a cheek to charge us interest on the tax outstanding….

The Year of Stress

And thus with the chimes of midnight there came an end to what has been "the year of stress". It all started one rainy night back at the end of January when while driving back from classes on the other side of the capital when a rock landed in the road just in front of us. The inevitable collision wasn't life threatening but it did damage the car enough to render it in our eyes not worth repairing but we did instigate a procedure for claiming the cost of the damages back from the government. Or friend Sheila paid for the repairs. But in the mean time we needed a car for me to get to and from work. So we purchased a second hand Citroen C2. All was then fine for a short while until one day we were driving out of Santa Domingo after picking up some paperwork from the town hall when there was a tapping noise from the engine upon investigation we suspected that it was the timing belt so we called a tow truck, our suspicions were confirmed a few days later when the garage gave us the quote which was just a shade over 1,000€. The really annoying thing about this is that we would have taken the car in to the garage for a service at 80,000Km which was in about another 1,000Km.

Our claim against the government for the damages has now turned into a court case with us now suing the government through the Courts which will take awhile, and a some point mean a trip to Tenerife when we eventually have a date for the case to be heard.

We have also been plagued this year by problems with the catrastal register (Land registry). It appears that when we brought the house the registry wasn't updated. So when we discovered that this was the case we tried to sort it out, Oh how wrong we were. First we tried to sort it out in the local town hall. Nope, the guy there told us that the numbers on our documentation were wrong and that we would have to get the document changed before we could register the changes. So about a month later we went to the notary's office and spoke to them. Nope they said the document is correct. They suggested going to speak to the main office of the registry. So we went there after first going to the wrong place. They said fine what you need is a copy of you deed and your ID and fill out the forms. So we did that and thought that would be all, but no. A while later we received a registered letter which said that unless we produced so documents within 10 days we could face a fine of up to 6,000e. So we took the letter off to the notary's expecting there to be a big problem but all we needed was a copy of the previous owners deeds so after paying 9e we went back to the registry and handed over the paperwork. Again great we thought that's done, but no. We received a couple of letters a few weeks later that again we to to the notary's. The upshot of this is that we have to get all the people who own lands that border ours and four witnesses to the notary's to sign an affidavit and we also need an official survey done of one plot due to a size discrepancy. The size discrepancy is odd because the deeds were based on the registry figures at the time they were made.

So on to the next year and lets hope the next year leads to a resolution of some of the outstanding issues and that we don't have as many problems as this year has produced.

The saga goes on and on……

We received a couple of letters recently from the land registry(The Catastro) which stated that the registry couldn’t be updated due to some problems. See here. So this morning with Sheila we took these letters to the Notary over in Los Llanos expecting to be able to pick up yet another piece of paper to take down the offices of the land registry in Santa Cruz. But no it would seem to be a little more complicated and thus more expensive.

It would seem that on one plot the size of the plot has been updated in the land registry at some point and no longer agrees with the size recorded in the deed, So we have two options; the first is to track down the original seller and get a new deed drawn up with the correct size in it, But as from what I have been told he now lives in Venezuela (a lot of people for La Palma went there in poor times for work, including his farther who built the house in the first place). The other option in to hire an official surveyor for about 200€ to produce an exact measured plan of the plot that we can take to the land registry. This is the least of the problems.

It would seem that the other plot of land is much more complicated. I don’t quite understand the exact problem but it would seem that the ownership registered in the land registry doesn’t tie up with what is on our deed or the previous owners. So in order to sort this out we need to get a affidavit done by the Notary to prove that we are the owners of the land. But in order to do this we need to gather up the following people; The owners of  all the land which borders ours, four witnesses from the area, and uncle Tom Cobley and all. We also need to put adverts in the local press, get a piece of paper from the town hall which says that the land doesn’t belong to them. As you might guess this whole lot is going to be expensive, we were told about 700€.

We are pretty annoyed because we are sure that the previous owner had to do something similar to this before he could sell to us, and it would seem that this didn’t get as far as the land registry.

This has made Helen feel very upset and hasn’t helped with her depression, and with the ongoing stress  it has made of us feel very unsecure.

But on a lighter note when we got home we checked the post box and found a letter from the Land registry which confirmed that the house registration had been updated. So at least we own the house but not just the land around us.

Trouble with the land Registry

When we brought the house we specifically asked if there was anything else we needed to do, And were told that there was not. Then about a year later we realised that the land registry(The Catastro) had not been updated. (The only way that you know is that when we pay out taxes in November the house is not in our name).

So the next time we were in the town hall with Sheila, we tried to sort the problem out but the Guy there said that as the plot numbers had changed we would have to get the house sale (the deed?) changed. So we had to go and see the Notary.

They said that there was nothing wrong as the changes was due to the subdivision of land between agricultural and urban land, and she suggested that we should see the head office in Santa Cruz. Which we did….  And all went off ok.. simple fill in form and hand over copies of all our documents.

THEN about a month later we received a document by registered post that seemed to say that there was a problem with the documentation. That amounted to the previous owner not having updated the registry when he inherited the house. So €9.00 and another document later all seemed to be happy.

THEN today we received to recorded letters from the Catastro, and I thought “Ah here are the registration certificates for the land..” But NO. It seems they have not updated the registry as: One parcel has the wrong owner in the register. The other they will not update it as the size of the parcel of land in the Sale document is more that 10% different from that in the Register. The thing is, is that the land size is only listed in a copy of the register entry. So they will not up date the register as they have changed it since the house was sold….

Oh fun….!!!

Paying the Bills

Well its that time of year again when we have to make the trek over to the main town of Garafia, Santa Domingo to go to the town hall and pay our bills for this year.  the bills we have to pay at this time  are the council tax (25€), rubbish collection (38€), Car Tax (51.72€) and the water bill for the previous six months (17.65€).  The only big problem with paying the bills is that they don’t get sent to you, you just have to keep an eye on the village notice board where a notice will be posted telling you that the bills are available to be paid and you just have to turn up some time in the two month period and pay the bills in cash at the office.

A Spanner in the works

We went over to the town hall this morning to collect a piece of paper which is our grant for half the cost of putting in the bathroom. On the way out of town there came a knocking from the engine we pulled over and I stared the car while Helen listened. “Turn it off “ she shouted. Helen suspected that it was the timing belt that had gone so we decided to call a tow truck to take the car to the workshop for them to have a look at. While we waited for the truck to arrive a group of people arrived and asked if we were OK. We explained the we were waiting for the tow truck due to the problem with the car and they said why didn’t we come and wait at there house which was  just up the road. It turned out that the couple had lived for a while in Venezuela and could speak a little English. So while we waited for the truck we have a chat and were given dinner just as the truck turned up. With the car loaded on the truck it was time for the long drive all the way over to the capital. When we got there the workshop was shut but we left the keys with Sheila's brother-in-law who works in the office there. The bad news came early next week when we were given the quote, just a little over 1000€ as we had broken all 4 sets of valves.

I'm a big girl now

Yes, I am a big girl now.

Every year in September I have to go and do the paperwork to sign on as self employed. This involves going to the Hacienda (Tax Office) Filling in a form (Cost 1 euro). then taking that form to the counter and getting it stamped, then off you go all the way into town as the Tax Office is on the road out of town by the port, to get the forms photocopied. Then you walk all the way back to the Social Security offices which are next door to the Hacienda to fill in another form and go to the desk to get it stamped. Then they give you a bit of paper that you have to take to the bank to pay this months contributions So it then its back into town to the bank.

This year I managed to do all the paperwork with out assistance and without having to have somebody along to translate.

I would like to thank Sheila for all the times she has helped me with this in the past.

Passing the Buck

On Friday morning we drove over to Santa Domingo which is where the town hall for the region of Garafia is located. We went over there for two reasons one was to pay the water bill, which we were unable to do as the girl wasn't there. The second was to pick up a letter from the post office which needed to be signed for. Now we knew that the letter was from the Cabildo but we didn't know what it was about. So when we read it we discovered that as the part of the road where we had the accident with the rock is currently being worked on that the responsibility of the cabildo is suspended for the duration of the works and that our claim had been sent to the Consejeria of Public works and Transport. So our claim for the money for Bertha has now gone up the the Canarian Government, not just the island government. So the chances of us getting any money soon have just got slimmer.

The light at the end of the tunnel

Since Tuesday I have been a little busy. But there is a bit of a light at the end of the tunnel. It does appear that we can in fact claim for the island government for the damage caused by the rock but in order to do this we had to jump through a number of hoops the first was to register a complaint with the local police in Barlovento, so on Wednesday morning that is what me a Sheila did. At the same time we popped home to feed Tabby who was a bit hungry having not had her supper the night before or breakfast that morning and along the way we stopped to get some more photos from the scene.

The rock and my hand for comparison

The location.

And having got the details yesterday of the person who told us that if we took photos that we could claim. Today we went off to the Island government to put in our claim. Now if any of you have seen The Incredibles then you will know what I am about to talk about. There is a scene in which the superhero tells the old lady exactly which forms she needs to fill in and who to see in order to get her claim paid. We had a similar situication today and as it happened the lady at our insurance company gave us the piece of paper which listed exactly what documents we needed so when we went to talk to the Cabildo we had exactly what we needed and our claim was done very quickly (Thanks to sheila for the tanslations, I still can't get my head round past tenses in spanish). Now all we have to do is wait and see how much the car is going to cost and when the insurance assesor is going to look at it so they can start work.

Gona Live on Solid Rock

Well the first post of 2008 and it's bad news I'm afraid. Last night as we were driving home after teaching we had just got to the other side of Barlovento and were driving down one of the many ravines that cross the north of the island when I noticed out of the corner of my eye some movement on the side of the road, with horror I realised that it was a rock of a significant size. I did what I could but as the rock hit the road only about a meter in front there was not a lot I could do and I hit the rock square on the front of the car at about 30 - 40Km/h.

We pushed the rock about 2 - 3 Meters further down the road. When we got out to inspect the damage we discovered the rock firmly wedged under the front of the car. I rock was in fact about the size of 2 footballs. As we rolled the rock out from under the car and to the side of the road I saw the horrible sight of water running down the road which could only mean one thing the radiator was toast.

Luckily just then a land rover came past and stopped to help as the car wasn't going to go anywhere under it's own power the guy offered to tow us to somewhere safe where we could wait for a truck to come and pick us up. Just as we were sorting out the tow rope another car stopped and said that if we take some photos we could claim from the island government the cost of the repair. So we took some photos. We then phoned our friend Sheila to ask her to call the insurance company and ask for a tow. About an hour later the tow truck arrived and the stricken bertha was loaded on board and we and the car were taken to Santa Cruz where Sheila picked us up. We finally got to bed at about 1am.

Death and Taxes

Well the saying goes that there are only two things in life that are certain death and taxes. As I write this I am dying in bed with a bad head cold which has kept me off school for the last two days. And so on to the taxes. This morning we went down to the town hall to pay our annual taxes for the house, rubbish, water and car tax. Yes you don't get the bill sent to to all that happens is a not gets posted on a notice board in town and if you happen to notice it and read it is says that it is now time to go down and see them and pay up. We went there and paid up, House Tax: €20.43, Rubbish Collection: €38, Car tax: €51.72, Water € 14.41. OK we have to pay the water twice a year but as you can see the prices are no where as near as bad as they are in the UK, which is a good thing as we don't have the money at the moment.

Slow going

I have been ill recently with a terrible head cold. But on the positive side some things have been happening. Work on the front room has been going on slowly but the walls are almost complete and a lot of the wood work has been stripped. The windows have been re glazed.

We have also now exchanged our UK driving licenses for Spanish ones. After the normal chase around to get all the required bits of paperwork. We just left it up to the hestoria to got to the traffic office and do the paperwork. So we now have two little pieces of card that will do as driving licenses until our proper ones arrive.

We have also paid all our bills at the town hall. Only on slight snag was the fact that we should have gone to the town hall and changed them when we arrived. But this wasn't a major problem. Our town hall bills were as follows Rubbish Collection 38€, Water , Council Tax 16€

Step by Step

We went to the town hall on Friday to finally pick up the works license for the steps out the front of the house. This is from the request we put in back in May and were told that it would be ready in 3 weeks. As we have found they have a special type of week here that has 30 days. But we now have the piece of paper that says we can work on the steps, and having paid 600 € bail we can now start work again.
The paperwork for the bathroom isn't ready yet. The woman at the council said it would be about 2 weeks so it should be ready some time in December.
The work has also started on decorating the spare bedroom / library which means the dust will start to fly everywhere, but at least this time we can tape some plastic over the doorway which should reduce it down a bit.

First Days at School and the Paperwork Trail

This Wednesday saw my first day working at the school in Los Sauces. After 6 Months of not working having to get up in the mornings came as a great shock to the system. The job isn't that bad all I have to do is basically talk English to the kids. It is still early days yet but based on the evidence so far I think that I am going to enjoy things there as the kids are really nice and fun to work with.

Of course with me starting work comes a whole raft of extra paper work. As I am effectively self employed I have to register for tax and Social Security. So we started this morning at that Hacienda (Tax Office) and having paid for the appropriate form a filled in the basics we went up to the appropriate desk and to my surprise the guy took the form and filled in the rest for us, stamped the forms and that was it. Next on to the Social Security, took our number, waited, our number was called, got to the desk, two seconds later were out again to get photocopies of the paperwork from the tax office. The nearest place was in town (the Hacienda is down by the port). So a walk into town and back later. We are in the queue again for the Social Security and after a few minutes we are being seen and lo and behold we have sorted out my Social Security. Then in order to get Helen added to it as my dependent we have to go to the office at the far end of town, so off we go expecting when we get there to be told that we will need a translation of the civil partnership certificate, but we get there and everything is fine and Helen gets her health cover to. So when we were expecting this paperwork to take ages and that we would have to run around for obscure bits of paper, the whole lot was done in one morning, and by Spanish standards that's a miracle.

At Home things are going Very well in fact we have now moved the computer and desk back into the entertainment room and all connected in, We also have the surround sound system wired in with the speakers mounted on the wall brackets.