Mario Navarro-Rubio and his ex-wife Mónica Cobián sold ‘peace’ in the early 2000s. Rental GuaranteeOver time, it ended with hundreds of claims before Justice, on a platform made up of those affected and still active years later. Although the courts have not agreed with them for the time being, a conviction has been issued for fraud in this ‘peace sale’ sale. Madrid’s Supreme Court of Justice sentenced Navarro-Rubio and Cobián to a fine of 3.2m euros and two years each for creating a network of organizations to circumvent payment of Social Security fees.
This was decided by a decision of January 10, to which EL PERIÓDICO DE ESPAÑA from the Prensa Ibérica group has access. Against the opinion affirming the September 2022 decision of the Second Chamber of the Madrid County Court, there is still an appeal at the Supreme Court.
Beginning in 2000, Mario Navarro-Rubio, along with his ex-wife Mónica Cobián and mother Pilar Rodríguez, began marketing a product called Rental Guarantee. It was advertised in the media, recommended by real estate agents and even sold at tobacconists: for a modest starting price of 42 euros, ‘bought peace’ if the tenant does not pay the rent, the dispute will be brought to an independent arbitration, saving time and money from the judicial process.
They tried to avoid payment of more than one million euros
What seemed like a panacea at the time has grown into more than 200 demands before Justice over time. fraudhowever, EL PERIÓDICO DE ESPAÑA learned that the Madrid County Court decided to drop the case in 2020. But by that time Cobián and Navarro-Rubio were already a institutional framework They used this money to avoid paying more than one million Euros in Social Security contributions, according to the Madrid Supreme Court.
Together, they “formed a network,” as confirmed by the State Court at the end of September last year. 17 associations and associations they actually formed a business group.” Moreover, they did this by “hiding it from the SGK General Treasury”. make inspection services difficult knowledge of both the amount of fees owed and the debtors’ knowledge objectively hinders audit activity”.
The forensic documents that this newspaper has access to explain that different companies created their own debts between 2015 and 2018. Non-payment of SSI premiums.
By dividing the amounts among so many companies and in four different financial years, there are very small amounts, just 626 euros, like the debt that the Spanish Arbitration Court Promotion Company created in 2015. However, there are societies that the defaults get a bigger size. For example, the company NCR Servicios Jurídicos alone stopped paying €234,559 into Social Security between 2015 and 2018, while trying to avoid contributions of €408,811 through Avantis Pólizas during the same period.
Adding in total all companies protected under the umbrella of Navarro-Rubio and Cobián, the Madrid County Court calculated the unpaid at the following value: €1,079,477. This is exactly the figure that both this court and the Madrid Supreme Court of Justice have awarded the Social Security General Treasure as compensation.
In addition, the fine €2,158,935 because, according to the judge, the fact of setting up these companies “implies the knowledge and will of the defendants to avoid payment of quotas and to avoid the consequences of non-payment through a fraudulent mechanism; action”.
The argument advanced by the defense in support of the creation of this corporate network cited by the State Court is that in the face of the “systematic attack” on Mario Navarro-Rubio and his companies, they had no choice but to “create”. companies they have destroyed because attacks on social networks are directed at them”.
Rental Guarantee
With more than €200,000 in outstanding installments, NCR Servicios Jurídicos was one of two companies tasked with reactivating the failed Rental Guarantee, along with Avantis Legal. In 2014, years after the sale of this product was discontinued, these two front companies, which were supposedly established as independent law firms, contacted customers to apologize for the “inconvenience” caused by another company from Cobián’s trio. , Navarro-Rubio and his mother.
NCR and Avantis Legal claimed that, under the guise of two new establishments, they were investigating guilty tenants and that the procedure could be reactivated to try to recover money owed to them for 345 euros. According to the version that the affected collected in 2016, one year later, the promises regarding the collection of these debts are not fulfilled once again. hiddenreceived an invoice of 2,600 euros, all for the alleged legal services provided. If they didn’t pay immediately, they were pressured by phone and email.
“There have been piles of purely abusive SMS: seven SMS in four days, 11 emails in just two months They said they put us on the defaulters list. “There are people who are psychologically affected by this,” he said.