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Yes there are some problems within society - selfishness, greed and materialism, but also there is kindness, hospitality and willingness to change.

I think you just pointed out some negative sides of Morocco, which a lot of them are not true. Weather in Morocco varies greatly- from 40 degrees in August in Marrakech to 20 degrees in August in Ifrane or Essaouira. If you have a property to rent - the obvious choice is to do it through a respectable agency, renewing contract yearly.

As for medical expences, they are no different, than say in Spain. If you would need medical help in Spain, unless you have insurance, you would pay a hefty price for any help. Did you forget British Gas ripping you off every winter for keeping you warm? Did you forget robberies, gun crime, knife attacks in broad daylight??? Did you forget that cost of living in London is one of the highest in the world?? Did you forget how many repossesions of homes left families homeless?? Did you forget about goverment actually warning people about shortages of money for pensions and planning to extend retirement age to 67?? And I think most of all you forgot that Morocco is developing North African country. At least in Morocco foreigners are respected and not discriminated against.

Yes there are best personal loans online some problems within society - selfishness, greed and materialism, but also there is kindness, hospitality and willingness to change. I think Morocco is loosing its authencity or culture to foreign investment.

It is a country known for kindness, hospitality and willingness to change. I am looking at your comparisons and please keep it between Morocco to england or Morocco to spain. Ok as you are aware your medical best personal loans online bills are paid by the National Insurance contributions to the National health service hence you get a very good medical treatment in the event of accident, sickness, or health problems. We certainly get our value for money at the National health service and the hospitality is just Excellent! Although I am an immigrant in England but I have reason to believe that crime in England is alot between the uneconomical migrants and the uneconomical british.

The politicians have a solution but they know its problems in crime that gives their political activities alot of interest.

The cash advance stockton ca crimes in Morocco involve Drugs, robberies, deception which is alot more common, and etc. However there is alot of safety for foreigners in marrakech, Agadir, Essouria and all touristic places.


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The Surrette Nationale and especially the Gaundermere are very feared off by the locals.

Infact the safety I have felt in Marrakech walking near Sofitel, Avenue Mohammed 5, Avenue Mohammed 6 is the best I must say. There are guards everywhere monitoring the safety of tourism. Yes Fruit and vegetables and sugar will be cheap in Morocco. But other processed food, toilleteries, utensils, consumer electrics will be expensive from major stores as Marjane or Acima. The official statistics of repossesions in Morocco are not really talked off and neither produced by the Ministry of Finance ( I just dont understand why?

But I understand they have had repossesions because foreigners are unable to pay the mortgages for the buy to let properties.

Indeed UK there have been alot of repossesions because credit was too cheap however there has been a softer attitude from the best personal loans online UK banks to deal with unpaid mortgage payments. The chancellor of england deliberately cut the insterest rates to 0. Hence this attracts savers to spend money and invest in shares or stocks and help best personal loans online tackle the credit crunch. I think that finance in UK, consumer protection and the official statistic are alot more transparent and straight forward than developing countries. Although we have no or little manufacturing industry in UK but we have two main sources of revenue and they are the London Stock Exchange and the North Sea Oil. The North Sea Oil money contributes towards the social securty benefits ( and also taxes). However if you look at Morocco, Morocco has tourism, phosphate, and fisheries for exportation. Why is the revenue from its phosphate industry not used on social projects or to tackle poverty? Well there is some discrimination but it is hidden in Morocco. I am sure if you show basic bank accounts online your pocket in UK everywhere then virtually you will see no discrimination!!! In my conclusion secured loan bad credit Morocco is a developing country and has to keep a payday loan not broker balance between tourism and its culture.

Morocco has its unique taste and that is the authentic culture, its food, ceremonies and language! I like that because I find that entertaining and not the clubs, the casinos, the mcdonalds, the KFC and the western clothing.

Can somebody give me some contact details in order to best personal loans online try and start the process of getting my money yet again.


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I was out there about a year ago, signed a letter, told i would get my refund but nothing. Just wondered how things best personal loans online are progressing on Atlas Golf.

I brought several properties abroad and i have decided to sort them all out now.

I will either proceed if i get a big discount or start proceedings through a lawyer to get my money back. Just wondering how many of you out there have cancelled cash advance direct lenders only but are still waiting for a refund and finding it impossible to extract any kind of contact from Excelia? It took them about a year to acknowledge our request to cancel. Fortunately that was confirmed in writing, although the executive concerned has since left. Last Autumn we were sent a cancellation contract, which did not reflect to 2 year long-stop. I amended it and signed and returned it since then Excelia have ignored all further correspondence. My 2 year deadline came and went in June this year. I have since contacted the Foreign Office consul in Rabat.

The only help he offered was a list of English speaking lawyers, and the suggestion that others in a similar position might want to club together to instruct a Moroccan lawyer to sue Excelia. I have heard negative stories about throwing away good money after bad using the Moroccan legal system but running out of other options. Unless any of you have an up to date connection who will respond to emails, is anyone else out there ready to consider instructing a lawyer? I am also considering taking them to court and have contacted a lawyer recently to start proceedings.

His name is Miguel and he was the original lawyer i used for the purchase. He claims to have secured the return of several deposits and i have no reason to disbelieve him. I have been considering my options on this simply because of costs. If you would like to contact me directly I can forward some of the correspondence between us and we can talk directly over joining up and possibly saving on costs. My e-mail is We managed to establish contact with a French lady working in Cassablanca who had bought a riadh in this development. She along with other french clients succesfully managed to get their money back after winning a court battle albiet after two years.

They do not now answer our phone calls and nor do they reply to our emails. Our solicitors here have tried to hire a lawyer in Marrakech but they have all refused to take up the case. Do you think it might be an idea for all of us to club together and do what the french did that is to instruct a lawyer in Morocco.

Would it also be an idea to write a letter to the Moroccan consulate in London as a group asking them to apply pressure on the developers. I have been in tocuh with Barry about this and I am due to meet his Madrid lawyer in UK soon I hope to discuss a claim. His experience is they will now ignore all contact unless it is a court summons, and he says he has had success recovering deposits on several occasions now. I did not get the idea he had to see this through to a trial, possibly because they have already lost on this same point once in court as you say.

If you are interested to discuss teaming up please reply and leave an email address if you can. I am not able to include an email address apparently in my posts as a junior member. Their solicitor in Casablanca sent Exelsia a letter of notice but they had no response from them. However the costs involved are exorbitant but justified according to Judicare.

This would be refunded if we won against the developers. Perhaps a collective claim from all of us might turn out to be a cheaper option. There is a lot of fees involved but we have already been having to pay our lawyers for all their efforts so far. We jus t feel like we have been left with no other choice! We want our hard earned cash back to look after our 2 children! Would be grateful if anyone can share their experience positive ones too! I have instructed a Madrid based lawyer to recover our deposit. He is using his office (or possibly an agent) in Casablanca I believe. He says Excelia will ignore everything now short of an actual home repair loan after getting mortage court summons, so just the threat of a summons is not nough. Anyway, he was brought to my attention by Barry the Builder (on this thread),as he is an international property lawyer he has used before. The lawyer claioms to have recovered deposits from this development for 4 or why would there be a advance showing on a payroll check 5 other buyers already. Not yet heard back on progress, but it has not been very long. As I am a junior member I am not allowed to post emails or tel nos apparently, so if you want details of the lawyer either send me your email address or contact Barry the Builder. Can I ask, how are you getting on with recovering your deposits on Atlas Golf?