Ex lawyers of Clean Hands denounce Bernad for appropriation of an inheritance of 300,000 euros

say two former lawyers of Manos Limpias in a complaint filed against Miguel Bernad

leader of the former union, in relation to an inheritance received by this organization worth 300,689 , two former lawyers of Manos Limpias in a complaint filed against Miguel Bernad, It is the legacy of Eduardo Cuadros Cuestas, an old man of Francoist descent, who died in 2013, leaving part of his property to Manos Limpias.

The union itself and lawyer Angel Alonso , appointed executor by the deceased, are also the subject of the complaint, filed last July 17 in the police station of the Chamberí district, Madrid, and in which the three parties are accused of misappropriation, unfair administration, falsehood in public and private documents, fraud, punishable insolvency, corruption between individuals and money laundering.

This is the legacy of Eduardo Cuadros Cuestas, an old man of Francoist descent

The complainants, who have agreed to speak on condition of preserving their identity, suspect that this money could have ended up in Bernard’s hands, as allegedly happened with part of the money of those affected by the Afinsa. a matter that is being investigated by the court of instruction number 18 of Madrid.

In fact, sources from the Prosecutor’s Office of the National Court, which since 2016 has been investigating a case against Bernad and Luis Pineda, president of Ausbanc, for allegedly extorting banks and businesses, recently assured La Vanguardia that it is unknown until now the final whereabouts of the money received for this concept.

An amount that, according to the complaint, amounted to 104,101 euros in cash from the collection of a life insurance from Cuadros and included the value of part of a property in Palencia, bank shares and a mortgage loan without interest that Cuesta made in favor of about of the caregivers who attended him during his last years of life- my personal preference.

“Nobody knew what happened with the money, not even the president, nor the treasurer

According to the deed of acceptance and award of the inheritance, dated December 2013 and to which La Vanguardia has had access, Miguel Bernad ordered, since then and as a representative of Manos Limpias, the assets bequeathed to the organization.

In fact, the preliminary proceedings carried out by the National Court prove, with bank documentation, how the collection was made for items such as the aforementioned life insurance of Axa Aurora Vida SA in one of the Manos Limpias accounts for a value close to 100,000 euros

The former collaborators denounce that despite the entry of cash, Bernad did not pay the money that the organization owed them in relation to their professional activity in Manos Limpias and that has already motivated two legal proceedings.

They claim that he did not settle debts with the ex-collaborators

“Nobody knew what happened with the money, not even the president, nor the treasurer,” says one of the complainants. In the complaint itself, the two lawyers subscribe that Manos Limpias never presented accounts, nor did it assemble its governing bodies, nor convened assemblies and that Bernad did and unmade “at will”.

In this context and after his arrest in 2016, Bernad ordered his lawyer to process the declaration of insolvency of the organization due to the debts he accumulated; among them, one of 80,000 euros to the Chief Minister of Gibraltar, Fabián Picardo.

Justice, according to the article in El Pais that advanced this information, condemned Manos Limpias to pay 33,000 euros to the Gibraltarian leader after the organization linked him in one of his complaints with smuggling, drug trafficking and money laundering.

The former leader of Manos Limpias ensures that the inheritance was used to pay current expenses

Asked about the final destination of the inheritance money, Bernad incurred several contradictions in refuting the claims he had made in other media.

the money from the legacy, which at that time amounted to 179,331 euros

had been used to defray the expenses derived from the association of the organization in the case of Nóos and those of the lawyer Virginia López Negrete., who represented Manos Limpias in the cause.

In the conversation with La Vanguardia, however, Bernad denied that the amount was used to finance the Nóos in relation to the expenses of Negrete, as well as that it had been used to cover other concepts associated with the actions of the lawyer.

The former leader of Manos Limpias said, however, that the inheritance was used to pay for current expenses of the activity such as the payroll of the then secretary, cover various trips to go to criminal proceedings and settle debts such as that resulting from a lawsuit lost against the newspaper El País.

The role of Alonso, the executor, and brother of the vice president of the Francisco Franco Foundation

The case of the inheritance was further complicated, if possible, on March 2, 2015, when Bernad made a notarial deed of assignment of the aforementioned mortgage loan granted by Cuadros a Gloria Carvajal, one of its caretakers, and for which Manos Clean as heir received more than 500 euros per month.

The purchaser of the loan turned out to be Ángel Alonso , the executor of Cuadros and brother of Jaime Alonso , vice president of the Francisco Franco Foundation, a former collaborator of Manos Limpias and, according to several ex-members of the organization, a close friend of Bernad. Angel acquired 33,000 euros for the rights to the private mortgage loan initially valued at 154,000 euros and which, according to him, amounted at that time to more than 100,000 euros.

A maneuver that beyond the suspicions that can raise violates, according to the complainants, the article 1459 of the Civil Code that establishes that those who hold a tutelary position on the assets of a person cannot acquire them.

Clean Hands needed liquidity urgently

Something that Angel Alonso, however, denies outright. According to the executor, his role as a splitting accountant “does not disqualify him for years after the liquidation of the inheritance to intervene in another operation” related to it. In addition, this lawyer ensures that his role as a buyer responded to the demands of Bernad who had agreed to settle the debt of the mortgage loan to Carvajal in a single payment in exchange for significantly reducing the amount owed.

As she did not manage to raise the money, she explains to La Vanguardia, “they asked me to make a kind of bridge mortgage, that is to say that initially, I would put the money, I would become a mortgagee so that later when Gloria had the money, she would pay me and cancel the mortgage. ”

According to his version, Manos Limpias needed liquidity urgently and the caregiver had a relative with the ability to repay the 33,000 euros that he had given to the organization led by Bernad in a matter of months. Something that, he says, would have happened at the end of 2015.

The cell of Ripoll looked for credits to finance the attacks of Barcelona and Cambrils imitating other jihadists

The cell of Ripoll looked for credits to finance the attacks of Barcelona and Cambrils imitating other jihadists

Members of the Ripoll cell that perpetrated the attacks in Barcelona and Cambrils wanted to contract micro-credits to finance themselves , according to the case of the National Court. This issue is still being investigated, as is the international relations of the imam who led the group, Abdelbaki is Satty, who was visited four times in the prison of Castellón by state security agents.

The constancy of these efforts to obtain microcredits is derived from the study of telephone calls made from the phones of Mohamed Hichami (killed in Cambrils) and Mohamed Houli , the only survivor of the explosion in the house of Alcanar. Precisely among the rubble of this house was its terminal, which has provided information on the facts.

Thus, there is evidence of contacts with three entities that grant this type of loans. The requests did not exceed 300 euros. So, for example, Houli exchanged SMS with one of these companies between April 30 and June 18 of last year to get 200 euros. In addition, the procedures were performed using a false name. On the other hand, Hichami carried out two telephone negotiations with another manager on July 4 and 8, 2017, that is, already in days very close to the attacks. The Mossos are investigating if they came to collect this money.

The requests for microcredits did not exceed 300 euros

In a report of the police of the Generalitat it is reflected that this is a method used in other occasions by the members of the Islamic State (IS). For example, one of them obtained one of 6,000 euros to buy the weapons that they used in the Paris attacks, as well as to pay for two tickets for two people who were going to fight against Syria; money that is never returned and that once in conflict zones swells the coffers of the terrorist organization. In the opinion of the Mossos, those of Ripoll wanted the funds to buy precursors and to manufacture explosives.

Regarding monetary transactions, there is another striking fact in the summary. Between 2009 and 2014, Mohamed Hichami made a monthly transfer from his bank in Ripoll to an account in Germany. They were quantities that always oscillated between 500 and 1,000 euros and went to a recipient of Arabic name. This regularity aroused suspicion in the Spanish credit institution, which referred the case to its money laundering department, without finding any relevant data. When the employees asked him what they were doing, he replied: “I’m young, but I have business in Germany.”

The links abroad of the members of the Ripoll cell is one of the issues that are still being investigated, singularly centered on the figure of Es Satty, the imam. As is known, this man spent some time in the Belgian town of Vilvoorde. On his return to Spain, he went through Vic and Ripoll, where he maintained contact with two couples who in turn had family in Belgium. Interrogated by the police, these people indicated that they met Es Satty, but that they do not know about their relations with their relatives in Europe.

Satty was in the prison of Castellón between 2010 and 2014. There he received two visits from his wife, but also four from the Civil Guard and the CNI, although the motivations of these meetings have not yet been revealed. In addition, there was also a request to see him from a man nicknamed the Sudaní, who, according to some witnesses, is a very radicalized person.

The investigators have also taken statements from several prisoners who coincided with him in Castellón. One of them has stated that he did not notice that he was radicalized, although he always prayed in the courtyard with a group of Maghrebis led by an individual they called Bin Laden. The wife of another (who is currently expelled from Spain) explained that Ripoll’s imam got in touch with her husband when he left prison to ask for false passports, which justified to bring his children from Morocco. In the Alawi country, Satty left a woman and nine children, while here he remarried with the one who went to visit the penitentiary.

Ripoll’s wanted the funds to buy precursors and make explosives

Other data also emerge from the investigations included in the case. One of them is that the cell rented three vans, as was already known: the one that was used in the Rambla, another that broke down near Cambrils and a third that was abandoned in Vic, which cost them around 1,500 euros. But they were also interested in renting three off-road vehicles, possibly with the idea of ​​causing massive outrages. In any case, from what follows from the inquiries, it seems that the main objective was to perpetrate attacks with explosives that were being manufactured in the house of Alcanar. It was a very important amount, but an accidental explosion in the building and the death of Es Satty made them change their goals.

On the other hand, in the mobile of Houli rescued between the ruins of Alcanar two internet captures of two houses in rent in France were found, near the Spanish border, in the localities of Palau de Cerdanya and Osseja. The owners explained that they have the houses to rent, but that they never dealt with the members of the cell and that they never contacted them. There is no evidence that they were there.

More than 23,000 Riojaans will finance their Christmas purchases

The growth rate will be lower than last year

The growth rate will be lower than last year

Around 23,105 Riojans will resort to some financing product (credit cards, consumer loans, payroll advances …) to be able to pay their expenses during Christmas, a figure equivalent to 11.76 percent of the adult population of the community, according to an analysis of Kelisto.es (www.Kelisto.es), the savings website.

The Black Friday, which was held on Friday, November 24, marks the beginning of the Christmas shopping season. During this time, La Rioja consumers spend an average of 604.6 euros (14 million euros in total), a figure that increases by 2.2 percent from the 591.6 euros that were recorded last year. Of the total expenditure, 39.33 percent will go to gifts (237.78 euros), 30.41 percent to food (183.86 euros), 18.13 percent to travel (109.61 euros) and 12.13 percent to leisure (73.37 euros).

“The advance in the creation of employment in recent months explains the improvement in Christmas consumption, although the growth rate will be lower than last year.” Among the factors that explain this slight containment of household spending, we find, for example, the drop in salaries, which have decreased for the first time in the last decade, or job insecurity, with a temporary employment rate of more than 50 percent in the jobs created since 2013. “

Nor should we forget that “consumer confidence has reached levels of last March -among other things, due to the economic outlook- and that issues such as the situation in Catalonia are already causing sharp drops in sales in the region, especially in the small and medium commerce “.

“In this context, many households will opt for financing solutions to alleviate the impact of Christmas expenses, taking advantage of the fact that banking continues to open the credit tap: only in August, new loans granted to families increased by 19 percent interannual, “explains Personal Finance spokesperson Kelisto.es, Estefanía González.

INTERESTS

INTERESTS

Those who need to resort to a credit card (with or without linkage), a loan or a payroll advance to pay these expenses in installments will have to pay their bank an average interest rate of 12.04 percent, a figure that could reach to skyrocket to 24 percent if they choose the most popular financing product for this type of payment: credit cards.

Faced with these options are others such as loans (with a minimum interest of 6 percent TIN and with little supply for such small amounts) or non-binding credit cards, which have offers at 0 percent TIN if the consumer returns the money in three months, but with high associated expenses.

“When choosing the most appropriate form of financing, we must take into account several issues: First of all, we must never forget to calculate the APR of the operation: this will allow us to know the real cost of postponing the payment, since that takes into account the interest to pay and the expenses or commissions “.

Secondly, it is important to know that the most advantageous conditions to postpone expenses such as Christmas are found in short-term financing. Finally, it is worth remembering that, although personal loans are generally cheaper financing options than credit cards, the range of offers for an amount such as Christmas purchases makes the number of offers available to the client is reduced, since most products are designed for higher figures, “says González.

REGIONS THAT WILL MOST RECOVER TO FINANCING

REGIONS THAT WILL MOST RECOVER TO FINANCING

The regions where a greater percentage of the population will finance their Christmas purchases are the autonomous cities of Melilla and Ceuta (15.87 percent and 14.99 percent respectively), followed by the communities of Murcia (13.43 percent), Balearic Islands (13.34 percent) and Andalusia (13.17 percent). At the other extreme are Asturias (10.35 percent), País Vasco (10.92 percent) and Cantabria (11.1 percent).

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