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In Elche, complaints against banks and insurers have increased by 50%

OMIC

In Elche, claims against financial institutions and insurers rise by 50% annually as a result of inadequate information provided at the time of contracting, subpar service, or simply the customer’s failure to carefully read the conditions and believing the coverage does not align with what they agreed to.

Out of almost twenty sectors examined by the Oficina Municipal de Información al Consumidor (OMIC), banks and insurance businesses were among the five most unsatisfied, with 135 and 147 complaints against them, respectively, during 2024. The office head, Torcuato Saavedra, explains some details that cause insurers to misunderstand, like the requirement that the customer cancel a service at least one month prior to the policy’s expiration date. “Unfortunately, consumers are not always well informed or we don’t read everything when signing a contract and we don’t realise it,” he says.

Battle of the numbers


They caution you that the insurer will eventually demand payment of that premium for failing to provide legal notice if you chose to return the receipt instead. Conflicts between the two parties frequently occur here, and many people end up having two insurance plans for a year “because things weren’t done properly,” the technician says. The “number wars” between insurers and the dearth of information some businesses provide to entice customers are additional causes of complaints.

There were 1,971 enquiries and 1,438 complaints filed with the OMIC last year; these numbers are declining, having decreased by almost 20% from 2023. According to Saavedra, this tendency may be explained by the fact that consumers are growing more conscious while making purchases and businesses are getting more professional.

The most criticised are telephone providers.


With a total of 265 complaints last year, telephone companies continue to dominate the complaint landscape, as they have for years. Failure to comply with sales conditions is one of the primary causes. “Because what people don’t know is that when you port your phone number, you’re transferring both your landline and mobile numbers, but internet and television services aren’t ported, and the user has to request cancellation; the company can’t.” Previously, complaints were primarily about mobile phone contracts, but now landlines have issues with related services like internet and television.

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Because of this, the office advises users to always ask for a copy and to carefully study contracts, “even if they are very tedious,”

The profile of the plaintiff


When commercial visits to homes were permitted, the elderly were the most common application profile because they felt betrayed at home. The population seeking protection from the OMIC is typically between the ages of 36 and 64, and the range has expanded with the advent of new technologies.

Internet-based purchasing


In a single year, 206 more complaints are categorised as “other goods” by this municipal agency. The office claims that the majority of these complaints centre on disagreements about internet transactions, which are likewise becoming more frequent. In order to make sure that the company they are transacting with on a marketplace is the one displayed on the screen and that it is based in Spain or the European Union, they advise customers to review the legal notice or privacy policy before making a purchase.

Festivity


In honour of World Consumer Rights Day, the OMIC and the Department of Consumer Affairs held an information booth in Plaza de Baix this Friday to provide the residents of Elche with free consumer advocacy, training, and advice.

The area’s edil, Inma Mora, accepted the work I do to address the needs and concerns of both consumers and establishments. Taking into consideration that this space, which has six professionals after being reinforced recently with two more technicians, provides consumers with pautas referring to the regulations in effect at the time of purchase or that must be followed by those products to ensure that the consumer has no issues.

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Advice Saavedra explained that the focus of this year’s attention has been on helping merchants and distributing hojas of preceptive reclamations that must have all the establishments at the customers’ disposal.


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Costa Blanca

Police arrested a man who sold a niche for 1,500€ that he didn’t own

An individual has been arrested by the National Police in the town of Elche, Alicante, on suspicion of engaging in fraudulent activities. An octogenarian woman had been sold a niche in the town’s historic cemetery in exchange for 1,500 euros. A niche is a small, above-ground space or recess, often within a cemetery wall or structure, where a coffin or urn is placed for burial or storage. As per the municipal registry, the victim was not the owner at the cemetery at the time she attempted to execute the change of ownership.

The investigation commenced following a complaint lodged by an 80-year-old woman from Elche. She met a man through her life insurance broker who offered to lease a niche in the old Elche cemetery for 1,500 euros.

Consequently, the victim met this individual at the same cemetery that housed the requested niche. There, the victim and the man concluded the transfer of the niche and executed a private contract that was signed by both parties, rendering the transfer effective.

The grantor of the niche transferred the deed and other ownership documents associated with it to the victim after the victim paid the agreed-upon amount.

The victim, shortly thereafter, visited the municipal registry of the city to change the ownership. She was told the change was impossible because the person who gave her the property wasn’t the owner.

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The officer who assisted the victim, however, attempted to mediate through a phone contact, despite this. She reported the incident to the National Police after the transferor hung up and ceased answering calls from both the officer and the victim after she explained the case to him.

After conducting the necessary investigations, the officers responsible for the case located and apprehended the suspect for the alleged fraud.

The investigation has been assigned to the Road Safety Investigation Unit of the Benidorm Armed Forces. The driver was subjected to alcohol and substance tests by members of the group, and the area was inspected to collect evidence that would help to resolve the tragic accident that claimed the lives of a family. The driver was apprehended subsequent to preliminary investigations.

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Costa Blanca

Five injured in a two-car accident in Elche

According to the Alicante Provincial Fire Consortium and the Emergency Information and Coordination Centre (CICU), an accident between two vehicles on Avenida Algoda in Elche resulted in the injuries of five individuals: a 30-year-old man, a 19-year-old man, and three minors aged 16 on Saturday, April 19th.

A SAMU unit, an SVB, a conventional ambulance or public transport unit, a command headquarters unit (UMJ), a heavy urban fire department (BUP), a rescue van (FSV), a sergeant, a corporal, and six firefighters from the Elche fire station were dispatched to the scene upon the receipt of the call at approximately 11:35 p.m.

The driver of one of the vehicles was successfully extricated by firefighters (see above.) All of the injured sustained injuries and were transported to the General Hospital in Elche and the Vinalopó Hospital in Elche.


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Costa Blanca

“Drug Supermarket” in Denia closed by Police

Four individuals have been apprehended by National Police officers in Dénia (Alicante) for the “indiscriminate” sale of drugs under the guise of a purportedly legitimate association. Over four kilogrammes of marijuana, cannabis, cocaine, and distribution materials were confiscated during the search.

The investigation began following the identification of a potential clandestine drug trafficking organisation. According to a statement from the police headquarters, the establishment was experiencing a consistent flow of individuals at various periods of the day, despite the absence of any sign or apparent commercial activity.

The officers initiated procedures to confirm the status of the establishment in conjunction with the Judicial Police and Citizen Security Units. They verified that the establishment did not have any activity records registered at the regional level during the inspections.

They also confirmed that the establishment’s basic supplies were registered to someone possibly linked to the criminal community. The association’s manager also had a criminal record.

The police conducted a “discreet” operation that verified the regular sale of narcotics at the establishment. Lines formed outside the establishment to purchase drugs on certain days, “as if it were a genuine drug supermarket.”

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“Once we obtained the necessary judicial authorisations, we conducted a search. The search revealed numerous containers labelled with marijuana, zip-lock sacks containing the same substance, and pre-made homemade cigarettes. Cocaine was consumed in some areas, and some narcotics were hidden in appliances and furniture,” said the police.

The authorities confiscated over four kilogrammes of marijuana, a lesser quantity of hashish, and a small quantity of cocaine. The search resulted in the arrest of two males, aged 42 and 22, respectively.

Despite a court order sealing off the premises, the investigation continued in an effort to identify the remaining suspects. Shortly thereafter, Denia police apprehended two more males, ages 22 and 23.

An alleged offence against public health has resulted in the arrest of the four suspects. Two of the apprehended individuals had prior convictions for comparable offences.

The Denia Court of First Instance has been informed of all the proceedings.

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