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I write these lines as a citizen, as a person who believes in justice and as a family man. Family whose crisis is unusual by charging costs. Mine is a complaint against a surprise 500 000 households and damage regions. There is a type of loans: subsidized housing, which is regulated by a law that would encourage the purchase of first homes, of which I am interested person because of the mortgage holder, still regions and forcing borrowers to be there to pay a rate of 12.70, which is still outstanding.

To this I have tried to remedy injustice asking several times, in agreement with my region of Emilio Romania, to renegotiate the rate, but I only got responses pretext. So as a result of such “misunderstandings”, I denounced the Caribou for exorbitant rates and we are in 2004. It is essential to understand that while the normal rates have been changes in the market for this kind were equal, i.e. 12.70%, that is still the old monetary system of the Italian lira out of any logic of the market and we are talking about mortgages first home to families with problems of income.

How can I bear such high costs as well to keep these loans in an environment of favorable conditions for banks? And while on the other hand, witness the cynicism, the government in perpetual bleeding of public money and that of small families. These rates were called for by Minister Tremont who way back in 2002 with a decree provided for this type of financing construction of a threshold of 12.60 when renegotiating loans for normal wear and tear of the threshold was 4.99. At the time of parliamentary questions were made by the then deputy Paolo Cento, who unmasks’ the decree Tremont big favor by exposing the fact the lenders at the expense of citizens and to the detriment of the regions.

I think it is an incredible story, indescribable, but unfortunately still true today, thinking that the standard rate travel at much lower costs and that the new threshold of 7.85 is wear you understand how it takes great injustice to the contours of urban consumers.

Sandra Perini has always reminded that there is no democracy without equity and social justice. Meanwhile, the court despite the paper some time ago the Court of Auditors reported an enormous waste of public money, the judge said he gave me was wrong and should understand the logic of this court does not take into account the monstrosity of the thing and sided with the bank complained to me, so if not to appeal the seizure risk of the house. The harsh retaliation of a credit system greedy and selfish inhumane, it was again demonstrated with the injunction, namely the seizure of the house.

My story is summed up to a thousand other stories of this our country, beset with a thousand loopholes which boundary is unclear whether it acted negligently or the protection of “business” of the powerful, the stories, that of temporary workers, the unemployed of cassintegrati and unfortunately combined with that of thousands of evicted, have no hearing. But there’s another perversity in this story that does not seem real, but came from the pen of a writer of a horror movie. The perversion, all Kafkaesque, is that a minister has decreed a law ad hoc law “outlaws” for these rates, wear rates in effect, as if to ensure a tangent to the banks concerned. While there is another law, the “official”, saying that the wear rates are 7.85. But the decree Tremont favors allowing the criminal usury rate of 12.70. Canagliesco or scandalous.

I am surprised that despite my complaints, nobody has taken charge of this atrocious story. Only the authority in February 2009 that denounced the matter to the authorities, but remains silent. And ironically Bargain during the last center-left government prepares a decree for the destruction of the calculator and forget the type described.

I wish the public knew all this, and that the public knew the answers of the directors I interviewed, who played the blame-game.

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