2023-04-20 08:29:35
This network of fraudsters uses information from Infonavit, such as the overdue portfolio, to defraud people; there are already formal complaints
Coyote practices in the Infonavit of Coahuila are not eradicated, their continuity is more sophisticated and people who are deceiving, defrauding and “stripping” their homes have been detected and denounced to workers with economic problems, through a modus operandi that seems legal, however, it falls into administrative irregularities and the possible commission of crimes.
It is a network, in some cases family, made up of a company that attracts investors, who have also been defrauded and there are complaints of alleged fraud, and real estate consultants certified by Infonavit.
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According to testimonies and an interview with the delegate, the modus operandi was obtained: through “bites” the overdue portfolio is obtained, but also through pages on social networks, offers are made to purchase Infonavit houses to those who can no longer pay them, or who urgently require money.
Once the workers are contacted, they are offered no more than 50,000 pesos for the transfer of rights, paints and other cheap improvements are made to the houses, regularly in neighborhoods far away from the urban sprawl, so that it is easy to resell them also at a low price.
When the “coyotes” obtain the rights to the properties, the sale process is carried out through certified Infonavit advisers and since the Institute cannot pay for the house to someone other than the owner of the mortgage loan, accounts are made jointly, something that should not be done either, however, they have found account executives from several banks in the city who do it in violation of the Law.
Once the process is completed, the company or the advisor, as the case may be, withdraws the money from the account that Infonavit deposited for the sale of the property to the worker in the process carried out by the real estate advisors, and a minimum amount is delivered, that does not exceed 50 thousand pesos to those who were the owners.
However, the deceit to the workers is carried out because in the return of their benefit they do not give them all the money that Infonavit pays and the commissions for doing this intermediation sometimes exceed 300 thousand pesos for each house.
These networks of fraudsters were evidenced from the denunciation of the dispossession of a residence in a luxury subdivision of the city.
THERE ARE COMPLAINTS IN PROGRESS
There are complaints before the Infonavit of the case by people who have been scammed and who say they have also been dispossessed, the same way there are criminal complaintsbut for alleged fraud against investors who participate with the capital contribution so that workers can be offered the necessary money to leave their homes.
The phenomenon is part of the increase in the demand for housing and also the low supply that exists, in addition to the high prices that have been reached, regardless of the location in the Southeast region.
According to the Infonavit delegate, Gustavo Díaz Gómez, there are complaints on the Institute’s website related to the issue, however, he warned that certified advisors do not have access to information such as the overdue portfolio and that if any type of practice of this type is verified, they risk losing any kind of relationship with Infonavit.
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“A real estate consultant is not a person who works at Infonavit, nor does he have privileged information, nor is he personal, and he should not have it. He is a person who was certified and registered with Infonavit, his scope is on the website in the section of external promoters, suppliers and sales promotersDiaz Gomez said.
Infonavit real estate consultants should not charge for their services and although they may work in a real estate company, they cannot receive payment from a worker, but from their company.
“A certified adviser must abide by the sanctions, and they could lose the power to enter the procedures of the workers. Many of them live by selling the house and they should charge the person who sells the house as a company, but not the worker who owns a loan. This is how several promoters have been terminated with the voice or letter (complaints and denunciations) of the worker“, said.
The modus operandi of these ‘coyotes’
This is how this network of fraudsters works that uses information from Infonavit:
>They get the overdue portfolio or they recruit people with economic problems and offer a low amount for their houses.
>Carry out procedures for transfer of rights and joint accounts to receive the money from the sale of the house back to a worker through Infonavit.
>They do not return the total amount of the refund that Infonavit does to the worker for the payment of their houses.
>They do not pay more than 50 thousand pesos for a houseand their earnings exceed 300 thousand pesos from home.
>Apparently the procedures are legalbut there is deception, simulation and criminal and fiscal offenses could be configured, in addition to administrative irregularities.
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