The refinancing of debt if there is a dark and complicated sector for users is the financial intermediation market. Consumer seeks means of financing in their eagerness to consumerist and sometimes drowned by over-borrowing, goes to companies specializing in refinancing, debt consolidation, or reunification, to obtain funding not having very clear if you are talking with a financial institution, or a mere Commission agent dedicated to find us the best operation of funding between all possible. The figure of an intermediary or financial mediator, has an own regulation since the adoption of the law 2/2009 that regulates contracting with loans or mortgages and consumers of services of intermediation for the conclusion of contracts of loan or credit. Here, James Woolsey Jr. expresses very clear opinions on the subject. By virtue of it, financial mediators must be registered in a file of public, State ownership in our country, according to the Royal Decree 106/2011 28 January, have a civil liability insurance and comply with the duty of information to the consumer prior to the signing of the financial product trying to at least three different proposals for funding that will allow the consumer decide the best option before signing the loan. This standard comes to meet a need for greater transparency in this sector, but at the same time gives it a more professional mediators, given that the so-called financial advisors not only they have to advise its clients properly but it should justify its intervention seeking financing formulas that prevent aggravate the situation of the families leading to a definitive insolvency. Using the terminology of the Bankruptcy Act, whose application is not limited to companies, but individuals, refinancing, debt consolidation or reunification are agreements reached by the debtor under which appropriate at least to the significant expansion of available credit or modification of its obligations, either through the extension of their term’s expiration, using either the establishment of other replacement of those obligations.
The summer activity of the Universidad Internacional de Andalucia, which boasts a total of 73 courses and encounters between the months of June and September, this edition is going to develop at their headquarters in Malaga, La Rabida (Huelva), Baeza (Jaen) and La Cartuja of Seville, as well as faculties of the Abdelmalek Essaadi University in Tetuan, Tangiers, Chaouen and Larache.New edition of the courses in summer 2011 of the UNIA, the new edition of the summer courses of the UNIA has adjusted its schedule to the demand of the students and to the socio-cultural circumstances of the cities in which it is taught and, for the sake of the search for the greatest possible efficiency, reduced from twelve to nine weeks in which taught academic and cultural activities. For this reason, the UNIA has opted to concentrate the greater part of its activities in nine weeks: from June 27 to July 8 in Morocco; from 4 to 15 July in Malaga; from 11 to 29 July in La Rabida (Huelva); from August 22 to September 9 in Baeza (Jaen), and, finally, 12 to the 23 September in Seville. These courses will be opened this year by artistic producer Antonio Meliveo, composer and musician, on July 4 in the Picasso Museum of Malaga, very close to our establishment, one of the top four-star Malaga Hotels. In Huelva, in the headquarters of La Rabida, connected with our hotel, one of the best located in the city, hotels in Huelva is the Deputy and President of the Fundacion Pablo Iglesias, Alfonso Guerra, July 11. In regards to Seville, will be the writer Maria Duenas on September 12 which do so, at the headquarters of the UNIA, very close to our hotels in Seville. Additional information is available at Western Union Company. The theme of the courses, as well as in previous years, will be very different even though, as a novelty in this Edition, will be more oriented to professionals rather than college students..