In this video I want to tell you how you can save tens of thousands of euro’s, by having the right information about remaining debt and NHG. My name is Arno Wingen from Systeemmakelaardij and co-founder of huisverkopenmetverlies.nl. The reason I make this video is, I was at the TROS radar and RTL 4 broadcast as an expert in 2013. After this it seemed to go the right way with information services about the NHG by banks and money lenders. Only now it’s worse than ever. Every week I experience people that are wrongly informed, people who borrow huge quantities of money at tremendous rates and are trapped in their own houses for years. Because they don’t know what is possible.
I wrote down a couple of things beforehand, for instance the day before yesterday. I had a phone call with someone who called his bank and asked: ‘’Hey I have NHG and I am perhaps unemployed in the near future, how do I proceed with my remaining debt?
The bank employer shamelessly replies without any data: ‘’Well the remaining debt is about 50000 euros and I think you are not eligible for NHG with a 99,6% certainty, but you must pay 500 euros each month for ten years. If you do this, you are debt free.If you sell the house feel free to pass and we send a bailiff who will collect it and you may pay off your debt. This is crazy, because the person in question is if all goes well eligible for complete remission of his remaining debt by my calculations. But on the phone you get to hear from the bank employee, who should know it that you need to pay 500 euros each month for ten years. The story that you should give an irrevocable power of attorney to the bank, a while ago I had someone who was forced to sign the power of attorney and give the bank all the control on the sale, if he did this he would fully cooperate to NHG and receive remission for his residual debt.
The good man does as he is told, puts his signature. The bank ‘’relieves’’ the task of selling and sells the house. Four weeks later a letter from NHG: no remission, because you did not fully cooperate. The man complains because the bank took over everything and said it will all be alright. The bank says you should settle this with NHG. NHG says you should have been informed about this, it is a pity but it must be paid back.
People who borrow from credit card companies for 10,12,14% interest. People who pledge their wedding ring, people who go to private money lenders. All because they are completely wrong informed about the possibilities. Three days ago I had someone on the phone who got the advice from his bank. The bank said: ‘’Well, we will do it like this, you want to know how it is with NHG and if you receive remission. First we are going to value the house, you will receive a bill off 500 euros for this. After this we put it on sale and if you get a bid, we will look how it is with NHG. So you actually jump of a building and while you are half-way falling down, we are going to look how we will do it with the landing.
For clarity: you can know exactly how it is beforehand, you will get to know exactly if NHG gives you a go or a no go, if you can keep or sell the house when all is properly addressed. If all goes well you will get the valuation which is now being discussed compensated. NHG should gaurantee for this.
If you know someone in this situation, if you are in this situation yourself. Please contact, I am happy to help. Beneath this video is stated what you should do, to get this done. It is free, it is without obligations. It is great if you are helped by only the advice, so you can move on. It perhaps saves you years of your life, or tens of thousands of euros. If it turns out I can help you too, I will tell you exactly how that would work, what the costs are and you may decide yourself if it is something for you or not. But you will always be much wiser. So like the video, share the video and tell it to people you know with this kind of problem. Because it truly is a huge problem, people make extremely high debts everyday and we need to stop it.