Ricky y María Fernanda Callejón enfrentan una situación crítica tras recibir una carta documento del banco por cuotas impagas de un préstamo hipotecario. La deuda podría llevar al embargo de su vivienda, afectando también a su hija de nueve años. Tienen 72 horas para regularizar la situación y evitar acciones judiciales.
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00:00First strong title, Embargados, Callejón and his daughter could stay on the street.
00:06I anticipate, Chucky, what's going on?
00:08Yes, Pablo, we have information, especially from Ricky's environment.
00:11The agreement would have been that she was going to take care of the house's bills.
00:15Be careful with this, because it breaks down the idiotic part of the payment.
00:20She should take care of the bill and is not paying it.
00:23Attention, high-impact news.
00:26Embargados reports the debate and the start of breakfast every day.
00:30He bought it, but it's not theirs.
00:34But they bought it together.
00:36It was not paid yet.
00:37Because in the audio he says, the house is mine, the truck is mine.
00:40Well, it's very typical.
00:41They were legally married.
00:44Yes, they were married.
00:45What would have to be done to divide the house would be first to pay off the debt.
00:49Of course.
00:50And there he would just enter a division.
00:52Today they must.
00:53And agree.
00:54It's not theirs.
00:55But now both of them received a letter of document.
00:59A letter of document of what?
01:01Of a third party?
01:02Debt.
01:03No, debt.
01:04Embargo.
01:05Bank embargo.
01:06Exactly, Janina.
01:08We address you in the letter of the bank, when it is a letter of embargo.
01:12Like the house.
01:13Like the house.
01:14Until the name of the two, both get it.
01:18But only one person lives.
01:19I imagine who you are talking about.
01:21In this case, with his daughter.
01:25We address you as the owner of the bank loan with mortgage guarantee number 355,
01:31to the effect of intimating it,
01:33so that in the period of 72 bankable hours,
01:37proceed to cancel the overdue amounts with their corresponding interests,
01:42under the pretext of decaying contractual terms.
01:47Now I'm going to use my counter here for this.
01:49Contractual terms agreed,
01:51making it demanding the totality of the loan
01:54and the timely start of judicial actions
01:57aimed at the recovery of the debt amount.
02:01A very tense situation between Enrique Hideto and María Fernanda Callejón.
02:06Unfortunately, the nine-year-old girl in the middle, the daughter of both,
02:11obviously, each one wants to keep the tenancy.
02:15There is, legally, the possibility of a shared tenancy.
02:18They tell me that he presented in court,
02:20I'm not going to use all the terms,
02:22but that he doesn't like how she makes him see her on social networks.
02:25Of course, I understand that.
02:26Posing, wearing clothes and doing all the things that would not be for his age and according to his age.
02:30I agree with that.
02:32I agree, I agree, I agree.
02:34In the deep, you have to be in agreement with the parents, both.
02:39Well, Embargados is the title.
02:41Welcome everyone.
02:42Happy Thursday.
02:43How are you?
02:44Ball here for love.
02:45Complicated situation.
02:46Very complicated.
02:47They have three days to regularize this debt for a mortgage credit.
02:50A 72-hour period, exactly.
02:53This, of course, as Ángel said,
02:55there is a letter to the document where they are intimated
02:57and where if they do not meet this deadline,
02:59which would expire tomorrow, Friday,
03:01things get complicated.
03:02There are six deferred quotas.
03:04Six deferred quotas.
03:05Six deferred quotas.
03:06How much is the quota?
03:07789 thousand pesos,
03:08which, according to Ángel and according to the document,
03:11says 3,103,542 pesos.
03:14It starts to go up.
03:15More.
03:16More.
03:17It doesn't end here.
03:18There is also a UVA debt of purchasing value unit.
03:21So this is getting more and more involved.
03:24There are two versions, surely.
03:26Of course, exactly.
03:27Pilot version, alley version.
03:28Exactly.
03:29In addition, the problem is what type of credit they took.
03:31Because if they took the UVA credit,
03:33the inflation,
03:35now it is lower.
03:36But last year's inflation took the credit.
03:41I'm not saying it's unpayable,
03:42because I don't know what their expenses are.
03:44You go to the bank and say,
03:45well, what do we do?
03:46No, no, no.
03:47Yes.
03:48The bank generally wants to charge you
03:50and not get the good out of you.
03:51They really want to charge you.
03:52But if you don't give any...
03:54But if here there are two informations,
03:56around A and around B, it gets complicated.
03:58Sure.
03:59What happens is that we are talking in the plural.
04:00Should...
04:01Both should, right?
04:02Well, from the environment of IOTO,
04:03they tell us that she should,
04:05because the word agreement between the parties
04:07was that she was going to be in charge.
04:09But IOTO should know
04:10that everything that is word does not exist.
04:13The agreement should be that she paid the house rent
04:16because he pays his rent, his expenses,
04:19and takes care of a lot of expenses.
04:21To the bank, the only thing that matters to him
04:23is who signed the papers.
04:26You have an agreement,
04:27IOTO can have an agreement of the word
04:29with Callejón or with the president of the United States.
04:33But that is not valid.
04:35Is this a loan or the value of the house?
04:37Because here, what is at stake?
04:38The house and the truck.
04:40The house and the truck, yes.
04:42Apparently, from what Chucky could investigate,
04:44the value of the loan is $250,000.
04:46It's a lot.
04:47It's a lot.
04:48And the truck would not be the issue.
04:49The house must be worth a lot more.
04:51Pablo, the truck would not be the issue
04:52because the agreement was also
04:53that she was going to be in charge of the truck
04:55and is currently paying the amount,
04:58about 850,000 pesos per month.
05:00Who lives in the house?
05:01Is Maria Fernanda with the girl?
05:03Let's clarify something.
05:04Weeks ago we had discussed the issue
05:06that he wanted to stay with the house tenant,
05:09of course, with the girl.
05:10There is no agreement between the two of them.
05:12This is clear.
05:13Giovanna, who is 9 years old
05:14and needs a roof to live
05:15like any child of separated parents.
05:17I ask you,
05:18maybe you have it much clearer,
05:19how is it in the case that he, for example,
05:21says that he has to take care of an apartment,
05:23of his rent,
05:24because obviously he does not live in the same house.
05:26How are the expenses distributed there?
05:28Let's say.
05:29No, the apartment, the expenses.
05:30He has to pay for it.
05:31And he should pay half the rate of the house.
05:34He should pay half.
05:36Let's see, I don't know who took out the credit.
05:38If the credit was taken out between the two.
05:40He has to pay it between the two.
05:42He has to pay it between the two.
05:43Now, if the credit is in his name
05:46or the credit is in her name,
05:48it is different.
05:49The title responsibility.
05:50To get a credit,
05:51I mean, she,
05:52I don't know if she had a job at that time
05:54when the credit was taken out.
05:55It is more likely that it is in his name, right?
05:57That he had a job.
05:58No, you can get the credit
06:00in the name of the two people.
06:02Although the other job is in his name.
06:04Yes, because you present the family income
06:07and among the family income,
06:08you put the income in blank.
06:09Ah, because they are not married.
06:10Of course, of course.
06:11Some less guaranteed asset as a guarantee.
06:14How is the environment?
06:15I want to ask you exactly that.
06:17Let's say, what is the link between the two,
06:19which is obviously null,
06:20but here they have to meet yes or yes.
06:22The link is null.
06:23What does he defend?
06:24What did he pay?
06:25What about the truck?
06:26From his environment,
06:27they say that economically,
06:28she practically has no daughter
06:30because she does not take care of any expense.
06:32That title is very strong.
06:33No expense of the girl.
06:34She does not pay for social work.
06:35She does not pay for school.
06:37And he gives her food.
06:39What would he be paying?
06:40And food.
06:41He would be paying.
06:42She lives with the girl in the house.
06:44But does she have income?
06:46I don't know if she's working now.
06:48She currently has no job.
06:49The only thing she took care of
06:50is the truck fee,
06:51which is a very expensive truck,
06:52of $30,000,
06:53and she is paying a fee
06:54of $850,000 per month.
06:55What could she do without the truck?
06:57She could move to another place.
06:58She has to separate herself
06:59because she has to arrange another expense,
07:00the rent of I don't know what,
07:01the issue of the children.
07:02The issue of their expenses
07:03would not be distributed.
07:04She would be taking care of herself.
07:06Exactly.
07:07That comes from the DOTO environment.
07:09Exactly.
07:10Does anyone have a street environment?
07:11Fernanda Batista, something else.
07:12I only left the house a while ago
07:13before the program,
07:14I have not yet responded.
07:15I left her an audio,
07:16if she wanted to talk,
07:17if she wanted to give her opinion,
07:18that the issue was going to be dealt with.
07:19Look at the houses in dispute.
07:21It's a nice house.
07:22Here we were talking to Nati.
07:23In the closed neighborhoods,
07:25there are no economic houses
07:26because the land is very expensive.
07:28Expenses are also very expensive.
07:29Very beautiful.
07:30Look, pool.
07:31Spacious.
07:32Spacious.
07:33And from the mortgage
07:3470,000 dollars would be owed.
07:36There is something that I do not understand.
07:38If they are not able to pay,
07:39whatever the reason,
07:40I think the most normal
07:41is that they cannot pay it.
07:43Yes.
07:44Because that house is not sold
07:45to be able to pay the debt.
07:47But mortgage.
07:48No, but you sell it.
07:50You pay with the bank
07:51and with what you have left,
07:52you divide it.
07:53What happens is that there
07:54is a previous conflict.
07:56The previous conflict is
07:57that they are not,
07:58they are disputing.
08:02Diotto wants half the house.
08:04It is what corresponds to him.
08:05Like María Fernanda.
08:06They are married.
08:07But there is a previous discussion
08:09that they have to settle
08:10before being able to sell the house.
08:12On the other hand,
08:13beyond the conflict,
08:14there are many people
08:15who find it difficult
08:16to lower their standard of living.
08:17Who do not accept and do not go
08:18to lower their standard of living.
08:19It is capricious, yes.
08:20But Nati,
08:21everyone is going to lower
08:22their standard of living.
08:23Of course.
08:24There are people who do not understand.
08:25But as Nati says,
08:26everything is fantastic,
08:27but the bond was broken.
08:28There is a girl
08:29who must be taken care of
08:30so that the two of them
08:31can live better
08:32if they sell the house.
08:33If they sell, they divide.
08:34You buy what you can.
08:35I buy the same
08:36with the issue of the truck.
08:37Well,
08:38but if you have always been
08:39in a high-end truck
08:40and at this moment
08:41you have to lower your standard
08:42of living.
08:43That is one of the claims,
08:44that she does not lower her standard of living.
08:45What I understand
08:46is that she does not want to sell
08:47and wants to stay
08:48with the house
08:49and with the truck.
08:50She does not lower her standard of living.
08:51It is a pleasure to greet you.
08:52How are you?
08:53How are you?
08:54This affects the children a lot
08:55when the parents
08:56are with these shootings,
08:57that the house,
08:58that this affects
08:59the children a lot.
09:00Here she proposes
09:01a solution
09:02that I think
09:03is totally valid.
09:04Common sense.
09:05But many times
09:06for common sense.
09:07Because there is also
09:08a minor,
09:09which is not a minor issue.
09:10It is also a matter of power.
09:11Of course.
09:12Who has more power
09:13in this contest,
09:14in this quarrel between them?
09:15And a boy is explained
09:16when the parents separate.
09:17Look, maybe
09:18the way of life changes
09:19because your dad
09:20has to rent
09:21because your mom
09:22can't keep him.
09:23Is that explained?
09:24Well,
09:25you have to explain it to the boys.
09:26But you have no other choice.
09:27They have a perception
09:28about what happens
09:29that one underestimates
09:30as an adult.
09:31As if they did not perceive
09:32everything that is happening.
09:33No,
09:34they perceive.
09:35They perceive.
09:36Now,
09:37what happens
09:38when the dispute
09:39is material
09:40and leaves aside
09:41the affective
09:42which for me
09:43is super important.
09:44I mean,
09:45the mentality of a 9-year-old
09:46who is graduating,
09:47beyond having
09:48a spectacular room
09:49and having a good standard of living.
09:50Don't get too excited
09:51because you wouldn't leave
09:52an 800 square meter house green.
09:53No,
09:54no, no, no.
09:55I never had a house
09:56so expensive
09:57nor is it my ambition.
09:58They tell me
09:59between 700 and 800 thousand dollars
10:00this can be worth
10:01with the rent.
10:02Well,
10:03now,
10:04let's see.
10:05There it is.
10:06If the cost of the house
10:07is 800 thousand dollars.
10:08Yes.
10:09The loan is 250.
10:10Who put the rest?
10:11What a good question.
10:12No,
10:13but for the law,
10:14if they were legally married,
10:15it doesn't matter
10:16who put the loan.
10:17Okay,
10:18well,
10:19it's okay,
10:20but ...
10:21It doesn't matter.
10:22No,
10:23well,
10:24it's okay.
10:25The law is like that.
10:26That money,
10:27who generated it?
10:28Well,
10:29it's also a moral issue.
10:30Ah,
10:31well,
10:32that's another issue,
10:33Nati.
10:34That's another issue.
10:35When you go with the lawyer,
10:36the moral issue
10:37stays aside.
10:38If you want half
10:39even if you haven't put
10:40a peso
10:41and you bought it
10:42while you were married.
10:43Here,
10:44the question
10:45that they are owing
10:46six quotas
10:47is a bank loan.
10:48Interests
10:49are eating you
10:50like crazy
10:51in a country
10:52that has a galloping inflation
10:53and you are owing
10:54a lot of money
10:55for 72 hours.
10:56Yes,
10:57they have a deadline
10:58until tomorrow
10:59of 72 hours.
11:00You owe
11:01those $70,000
11:02from the mortgage.
11:03No,
11:04what I want to know
11:05how is the issue
11:06of the truck?
11:07She paid the quotas,
11:08that is,
11:09she already paid
11:10the truck.
11:11They were married,
11:12they bought the truck
11:13to pay
11:14practically
11:15six years
11:16and she decides
11:17to keep the truck
11:18and in that
11:19they agree
11:20because she pays
11:21the quotas
11:22that he paid
11:23and he gets
11:24out of the house
11:25and he is not able
11:26to pay the house's
11:27quotas.
11:28Now,
11:29I have a question.
11:30What happens,
11:31for example,
11:32if they don't pay
11:33the quotas?
11:34Do they take them
11:35out of the house?
11:36No,
11:37let's see.
11:38Is there a 9-year-old
11:39inside?
11:40No,
11:41what the bank starts
11:42is the trial
11:43to charge
11:44what you put
11:45as a guarantee.
11:46Generally,
11:47when you buy
11:48a house,
11:49what you put
11:50as a guarantee
11:51is the house
11:52you bought.
11:53The bank starts
11:54the trial
11:55and the next day,
11:56when they get
11:57the sentence in favor,
11:58obviously,
11:59you have to go
12:00and the bank,
12:01I don't know,
12:02the bank
12:03puts it on sale
12:04as Pablo says,
12:05because the bank
12:06wants the money,
12:07they put it on sale,
12:08they send it to auction
12:09and anyone
12:10will buy it.
12:11And seeing a minor
12:12inside,
12:13they can take
12:14a girl out of there?
12:15Yes, of course.
12:16And if not,
12:17anyone
12:18would buy
12:19a house
12:20worth a million dollars
12:21and take out
12:22the money.
12:23Yes,
12:24the bank
12:25charges
12:26the same
12:27assets
12:28that are
12:29inside the house.
12:30Many of these
12:31houses,
12:32watch out,
12:33are furnished.
12:34All of that
12:35is product
12:36for the bank.
12:37I didn't know
12:38that here in Argentina
12:39it's the same,
12:40that they can
12:41take you out
12:42and use the house
12:43to pay this debt.
12:44Yes,
12:45of course.
12:46Because your mortgage
12:47is made on the house
12:48you took out
12:49for the loan.
12:50It's different