The seizure by banks of thousands of homes in Spain has led to massive anger and distress. Many people whose homes had been repossessed have committed suicide. What can citizens and citizen groups do in such a crisis?
by Alfons Lopez, Catalonia
May 17,
morning: Members of the Spanish
Mortgage Victims Platform (PAH) stand a few meters from Prime Minister Mariano
Rajoy as he opens the Barcelona International Motor Show. They want to talk to
him face to face. Rajoy, however, keeps away from them.
Such actions, known as escraches (Argentine slang for ‘denunciation’), were inspired by
Latin American human rights campaigns in the 1990s. People meet in front of
politicians’ homes or in public places to approach them and shout slogans. The
activists try to impress the reality of the housing crisis on the politicians,
and make them aware of people’s anger about the apparent lack of sensitivity
and political failure to tackle such a serious crisis,
Citizens believe that the Spanish
government has treated housing as a financial product rather than as a right
that should be guaranteed, that it has sought to rescue the banks without
taking measures to tackle the huge problem of indebtedness and to ease the
social consequences, such as homelessness.
Nearly 1.5m signatures ignored
The PAH, born from neighbourhood
associations in Barcelona, includes numerous activists who had suffered
indebtedness or eviction. In 2010 PAH began its ‘Stop Evictions’ campaign,
which halted more than 600 evictions. While judges sent riot police, citizens
set up human barriers to prevent their neighbours from being evicted.
The movement has three demands: a new
law to allow those who have had their homes foreclosed to write off their debts
by handing the property over to the bank, a backdated halt to evictions, and
the turning of houses owned by banks into social housing.
With these objectives, PAH together with
some partners launched a Popular Legislative Initiative for Decent Housing and
gathered nearly 1.5 million signatures. The Spanish parliament needs only
500,000 signatures to accept a people’s initiative. However, in response the
government immediately approved a law that perpetuates the current model and
protects the interests of the banks. No amendments from other parties were
accepted. The demands of the activists were completely ignored.
Housing:
basic right or object of speculation?
Housing is at the centre of the social and economic
crisis in Spain. In 1998 a dramatic increase in construction began, strongly
financed by banks and a wide range of new financial products. Between 1998 and
2007, more than 600,000 homes were built per year, as prices rose at a much
faster rate than salaries. Housing became an object of much speculation. Low
interest rates, foreign investment and mortgage conditions fed the bubble,
while public policies kept on discouraging rental as an option.
As the economic crisis broke out and unemployment
soared, foreclosures and evictions began. The bad banking practices that
proliferated for years were revealed. However, the political response was
dismal and the social emergency was ignored. According to the Spanish General
Council of the Judiciary, nearly 300,000 foreclosure proceedings were initiated
between 2007 and 2011.
Thousands of people were forced to live in the
underground economy. When banks take homes at 50% of their original value, they
ask families to pay the balance plus interest and legal costs.
The PAH escraches provoked a furious response from the government. The campaigners
were accused of harassing members of the ruling People’s Party (PP). Prime
Minister Mariano Rajoy said: “We all have a right to defend our ideas, but
intimidation can never be a form of participating in public issues."
On the other side, it’s
pointed out that a huge number of large and peaceful protests – often by tens
of thousands of people – that have taken place since the crisis began have had
limited impact on the government. And the collection of nearly 1.5 million
signatures prompted a new law under which only a tiny proportion of those
facing eviction will be covered, and that does not apply to existing eviction
orders.
The PAH, however,
insisted it would not give up “because there are lives at stake”, adding: “We
will continue to fight to prevent social exclusion for life for thousands of
families. Yes we can!”
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Evictions and citizen actions across Europe
Bulgaria
In Bulgaria, winter 2013 was marked by
civil protests countrywide. The protests were provoked by the extent of poverty
and corruption, and the inadequate response of institutions. In one month no fewer
than seven people committed self-immolation and three of them died. The
self-immolations symbolise public anger and
despair as unemployment
soars and a high proportion of population live in poverty, with retired people especially
suffering.
Germany
In April a woman died in a homeless
shelter in Berlin after eviction from her home, despite neighbours’ attempts to
prevent it and medical reports arguing that the woman would not survive the
stress. She had not been able to pay monthly rent of €350 and had lived for her
last few months without heat or electricity. This case sparked demonstrations
and civil-disobedience actions against forced evictions. Several social
movements are trying to set up networks to prevent evictions.
Ireland
“Evict the troika not the people,” reads
a sign outside a home in the west of Ireland belonging to a family threatened
with eviction. Seamus Sherlock, who fell into arrears on his €300,000 home loan
when his business closed, says: “I would die defending my home.” Mass evictions
would provoke a massive response from Irish citizens – and there have been very
few, but the troika of international lenders has warned that the mortgage
crisis is jeopardising Ireland’s economic recovery following its property crash
in 2010. The government, in response, has introduced legislation whereby banks
must seek to cut deals with customers in arrears – rather than evict them.
Roma
At a transnational level, Amnesty
International has launched a campaign against evictions of Roma settlements
across Europe. Roma people are regularly evicted from their homes. Loss of
housing also involves loss of social contacts, work and access to basic services
such as education and health. Amnesty has documented cases of forced evictions
of Roma communities in Bulgaria, Slovakia, Slovenia, France, Greece, Italy,
Macedonia, Czech Republic, Romania and Serbia.


