Life in Culebrón

In the UK, in my youth, Post Offices were like Government outposts. They were a place to cash your dole giro, sort out your passport, renew your driving licence, buy road tax or get a postal order. You could even post a letter there. I suspect that, nowadays, lots of young people hardly ever enter a Post Office. In Spain the Post Offices have never had the same import as they once did in the UK but, for me at least, they are still one of the places to send and receive cards, letters and packets.  At the start of each year the stamp prices go up in Spain. Quite a steep rise this year. The price to send a letter or card depends on the size and shape of the envelope as well as the weight. In fact I only really use the post for birthday and Christmas cards and as cards almost always come in non standard sizes (C5 and DL are considered standard) with jolly red or green envelopes I get charged the "non normalised" rate even though the weight is under the 20g limit. The cost of ...

My bank sent me a letter, well there was a message on the website, to say that I should ensure that they held the correct details on me. Apparently this was going to help them combat money laundering. I can see that. Anyway the documentation said I was a teacher and, as I have an official looking certificate to say that I am in receipt of a Spanish State Pension, I thought it would be easy to do. Going into a Spanish bank requires time. A lot of time and the patience of a halo wearer. I very seldom have to go to a branch but, yesterday, I did. There was the usual confusion about which desk to use - not a linguistic confusion. In this case, four desks, three of which seemed willing to deal with people and one of which seemed to be doing something on his computer which may have been high finance or he could have been playing Fornite Battle Royale. I behaved like a good Spaniard, I staked my place in the general queue for the cash desk, just in case it was there, then I asked the spar...

Going into a bank in Spain is often the proverbial pain in whatchamacallit. I don't have to do it often. Cash comes from holes in the wall and most things get dealt with on cards or online. If I do have to go into a bank I always think it looks as though the clerks have never dealt with this particular procedure before. It's all a bit slow, a bit ponderous and there are always multiple documents to be signed. We have a few banks in Pinoso but there isn't a branch of my bank, the Santander. There is an office with a big sign outside that says Santander and I once foolishly supposed that I could go there to pay in money. I can't. A bit like the wrong type of snow, on the railway, I have the wrong sort of account. It was originally opened with a bank that was later absorbed by the Santander. The name of the account has changed at least four times since then but, apparently, it still bears some Mark of Cain which makes it inferior to a proper Santander account. Whatever...

It's probably some sort of jingoism on my part but I can't say I'm that impressed by the professionals that we have occasionally used here. By professionals I don't mean doctors or mechanics or plumbers or builders. They seem fine or at least just normally inept. No, I'm talking about the sort of people who work from offices and should wear suits - architects, lawyers, accountants, bank workers and the like. A friend of ours was going through a divorce. The lawyer forgot to tell her that the divorce had been granted. Right on the ball then? When we first got here we hired a lawyer to sort out our residence papers. We thought we could do it ourselves but to avoid hassle we paid a professional. Unfortunately the lawyer was completely unaware that the legislation was changing. He went through the tried and tested process but, by the time we went to collect the documentation, it no longer existed. We'd paid upfront. There was no talk of a refund. We did...

For years and years I've had a bit of a deal going with some friends who have a holiday home here in Spain. They pay money in sterling into my UK account and I pay Euros into their Spanish account using the FT exchange rate. They get money to pay their direct debit bills and I got enough to service my Amazon habit. The more usual methods of transferring money can be quite costly. There are all sorts of schemes and methods but most of them make their money by giving below the "money market" exchange rates (the ones that say no commission) or by charging a fee. To give an example for small amounts, say £300, my normal method is to use an account I have with the Nationwide. They charge me £1 per transaction plus 2% of the amount. So that's £7. Actually that's as cash so it's a bit different but the figures are illustrative. Recently Cliff told me about a scheme that he had heard described as peer to peer. It's what my friends and I have been doing ...

Going to the bank on Spain is a pain in the backside. The queues go on for ever. There aren't enough tellers whilst there are far too many bank workers shifting paper around on their desks and waiting to sell some dubious financial product. Lots are at breakfast too. For a number of reasons, so tedious that even I would hesitate to record them, I've had to go to the bank at the beginning of each month for the past several months. Despite being in the largest bank in Spain there isn't a branch in Pinoso. I have the choice of being charged 6€ to process the payment locally or driving to nearby Monóvar, if 15 kms is near. Queues in Spain are usually orderly but amorphous. Often the routine is that as you get to the people hanging around to be served you ask who was last there. You take your turn after them. The next person joining the queue after you asks the same question and your place in line is now secure. This system has multiple issues for non Spanish speakers...

One advantage of the English language is that the word banker has an obvious rhyme. The Spaniards share the sentiment but not the rhyme. To the best of my knowledge this is a vastly oversimplified but basically accurate description of the Spanish banking system. Essentially, in recent history, there have been three types of "bank". The first is the standard commercial bank; the bank raises capital and then lends money to people and organisations in order to make a business profit. The second is the Caja de Ahorros, a Savings Bank where the money for loans came from the deposits of the savers. Many of the Savings Banks in Spain originally loaned money against pawned items. The profit from the operation is used to support loans to savers and a certain percentage is diverted to a charitable foundation to support "good causes." The third institution, the Rural Savings Bank, has syndicalist or co-operative roots and was originally developed to promote agriculture i...

We've been on holiday. Away from both Culebrón and Cartagena; in Egypt in fact.  Now, being a citizen of the world I have access to money in both pounds sterling and euros. Nothing in Egyptian pounds though. Holes in the wall provided us with the local cash. I used both British and Spanish bank cards. Both were current accounts and the amount I withdrew each time was the same. My British bank charged around £2 and my Spanish bank 6€ which is well over twice as much for exactly the same service and presumably with similar costs to them. Spanish banking can be remarkably expensive - charges and comissions everywhere.