2023-04-22 22:56:17
In the actions of the “coyotes” or intermediaries of Infonavit, there is misleading , and it means violating an Official Standard, so it is important that the affected people report on the website of the Instituteor go to the offices to be advised regarding the sale of their credit, explained the delegate Gustavo Díaz.
VANGUARDIA announced that the “coyotaje” in the Infonavit credits subsists, but this is under a network of certified real estate advisers and colluding companies for the purchase of credits with late payments to workers, who do not receive 100 percent of the remuneration that Infonavit makes when doing something known as credit transfer, although in reality it is a new purchase sale.
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“This rule establishes well the sanctions and the institutions that can sanction. What they expose to me is that a certain real estate agency advertises through Facebook. The first thing I did is that we uploaded the image along with the link to (the email) denuncias@infonavit.org.mx because it is a channel that agglomerates any situation of complaint that reaches the Comptroller General and has to process it if it is a complaint or complaint, from possible fraud, deception, among others“, said.
It is misleading , any possible fraud, a deception to the worker or any complaint you have once morest workers, advisers and companies that link the name and logo of Infonavit can be reported to that email and from there an investigation will begin.
The Infonavit logo cannot be used to promote the purchase or sale of houses, because the brand is registered and has rights for its use.in such a way that from that moment an irregularity is incurred, and those who cheat or deceive, use the logo to be able to convince.
THERE MAY BE CRIME
However, that is the tip of the iceberg, because the complaint made to the Infonavit delegate in Coahuila is that There are real estate agents and advisors that offer workers with mortgage credit to take away their debt problem, but obviously by handing over their home.
“From the outset it may sound attractive to many people who have not found a way out, who possibly have a strong debt, who had an income and now it is not the same, they are looking for work, everything that a worker can struggleDiaz said.
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Upon receiving the complaint of the possible commission of irregularities and crimes by people allegedly cheated, is that the modus operandiis that they propose to the workers to return the money that corresponds to them for the sale of their house, even without being liquidated.
“But this is one of the biggest deceptions, because regardless of finances, a peso from 10 years ago is not the same as a current peso. They also offer 20 to 30 thousand pesos, which is an exorbitant amount for a person in dire need. This can be an easy path and a light, because they think that apart from the fact that they are going to solve the problem, they are going to give them money”, he explained.
On the surface, everything seems beneficial for the worker with credit debt. From there, a power of attorney is signed and with this, the advisor is given possibilities to make arrangements and be able to offer the house, in addition, the file is entered into Infonavit for the sale of the house, and it is normal, but there is deception.
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The buyer of the used house is a natural person and with Infonavit credit, but he does not get into trouble, however, the seller receives less than what the Institute actually returns because he also signs a joint account from which the money is extracted and only a part is returned to him.
“What they tell us is that what these people open joint accounts. We do not accept de facto joint accounts, however, there is the possibility of falsifying, because we do not ask for a notarized letter from the bank, but we do ask for proof of the account number to deposit and later make the money available. There are two banks, which told us that they are the ones that allow this situation. Everything is in the complaints channel“, he pointed.
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