RECOVER THE LEGAL PART OF YOUR MORTGAGE COSTS!

At JLCA & As.- Lawyer, we handle all the stages of your claim

IF YOU APPLIED FOR A MORTGAGE BEFORE 2019 IN SPAIN, YOU CAN CLAIM FROM YOUR BANK, EVEN IF YOUR MORTGAGE HAS ALREADY BEEN CANCELLED

WHAT CAN I CLAIM?

The European Court of Justice, as well as the Spanish Justice system, following the European guidelines, allow the client-consumer to recover a part of the Mortgage Expenses:

50 % of the Notary fees

+ 100 % of the Property Registry Fees

+ the bank's management fees

+ the architects' fees for the valuation of your property

You will also be able to claim the opening fee paid at the moment of the approval of your mortgage (around 1% of the capital) and the corresponding legal interests will have to be added to all of this.

HOW MUCH CAN I GET BACK?

The amount to be recovered on an average mortgage (capital 150,000 €), with an opening fee of 1 %, can amount to more than 4,000 €.

EXAMPLE
Mortgage of 150,000 € from 2010, with an arrangement fee of 1 %

1 - Invoices:

Notary: 50 % of 800 € = 400 €

Administración fees: 100 % of 300 € = 300 €

Property Registry: 100 % of 300 € = 300 €

Property valuation: 100 % of 250 € = 250 €

Total invoices-expenses = 1,250 €

2 - Arrangement fees: 1 % of 150,000 € = 1,500 €

3 - Interests: 4 % from the date of the invoices (approximate) = 1,430 €

TOTAL amount to be recovered = 4,180 €

HOW CAN JLCA & AS.- LAWYERS HELP ME TO RECOVER MY MONEY?

Our lawyers have extensive experience in claims against banks.

We manage all stages of the process:

STUDY OF DOCUMENTATION

Free preliminary study of the mortgage deed and other available documentation (invoices for notary, registry, management and valuation fees...) in order to identify any clauses that are abusive.

CALCULATION OF AMOUNTS TO BE RECOVERED

Calculation of the amounts to be recovered, together with statutory interest from the dates of the respective payments.

SIGNATURE OF POWER OF ATTORNEY

Signing of the pre-quotation and handling of the signature of the power of attorney. There is a "No Win, No Fee" option.

SUBMISSION OF CLAIM

Submission of the out-of-court complaint to the corresponding banking institution

FILING OF CLAIM

Filing a claim against your bank; requesting the nullity of the abusive clauses and the recovery of the money that corresponds to you with interest

HOW LONG DOES THE PROCESS TAKE?

The estimated resolution time for these cases is around 6/9 months from the filing the claim before the Courts.

HOW CAN I CONTACT JLCA & AS.- LAWYERS?

We invite you to contact us to study the viability of your case, free of charge:

SPAIN

Madrid | Alicante

(+34) 966 698 796

www.jlcalawyers.com

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