
“YOUR LAWYERS IN SPAIN”
OFFICE IN LONDON
Floor 2, Berkeley Square House - Mayfair - London, W1J 6BD
Telephone: (+44) 20 7190 9911
MORTGAGE CLAIMS IN SPAIN
If you took out a mortgage between 2000 and 2016 to purchase or renovate a property, you may be eligible to claim back amounts unfairly charged by your bank due to abusive clauses.
You can file a claim in the following situations:
- If you still own the property and are paying the mortgage.
- If you still own the property but have already paid off the mortgage.
- If you sold the property and paid off the mortgage.
The banks most commonly associated with these abusive clauses are CaixaBank, BBVA, Bankia, Sabadell, Santander, Popular, and UCI/Santander Group. These are all reputable and solvent financial institutions.


3 ABUSIVE CLAUSES
There are essentially three abusive clauses through which affected consumers may be able to recover a significant amount of money:
- IRPH
- Floor Clause
- Mortgage Expenses
You can claim restitution for any of these individually or collectively.
Examples:
- Can I claim IRPH and Mortgage expenses at the same time? YES.
- Can I claim Floor Clause and Mortgage Expenses together? YES.
- Can I claim IRPH, Floor Clause, and Mortgage Expenses simultaneously? YES.
- Can I claim just IRPH? YES.
- Can I claim only the Floor Clause? YES.
- Can I claim solely for Mortgage Expenses? YES.
EXPLANATION OF EACH ABUSIVE CLAUSE


WHAT DO THESE TYPES OF CLAIMS INVOLVE?
The Nullity Action for these abusive clauses and claims against banks for these issues do not have statutory period, as they are considered Null and Void.
However, it is important to note that consumers have 5 years to request a refund of amounts from the initial notification-claim sent to the bank (via email, letter, burofax, etc.).
This is to say, if you contacted a bank 3 years ago to request a refund for undue payments, and they either responded negatively or ignored you, you would have only 2 years left to initiate the appropriate legal proceedings.
Nonetheless, we recommend making a claim as soon as possible due to the persistent lobbying efforts of banks to avoid their responsibilities.
WE HANDLE EVERY STEP 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.
SIGNING OF THE POWER OF ATTORNEY
Signing of the pre-quotation and handling of the signing 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
OBTAIN YOUR MONEY
Once we have a successful judgement, we will arrange the payment to your bank account.
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 legal interest.
WE FINANCE YOUR CLAIM
If you provide us with a copy of your Notarial Deed of Mortgage Loan, we will evaluate the viability of your claim for free. Our Law Firm offers the option to pursue the case with no costs to you (No Win, No Fee), with the only exception being the fee for the Notarial Power of Attorney needed to represent you before the Spanish court.
You can claim in the following situations:
- If you still own the property and are paying the Mortgage.
- If you still own the property but have already paid off the Mortgage.
- If you sold the property and paid off the Mortgage.

OTHER OFFICES

In addition to our London office, which serves our British clients and residents in the United Kingdom, we also offer our legal services via offices based in various global locations.

Office SPAIN (Alicante)
(+34) 966 698 796

Office SPAIN (Madrid)
(+34) 911 68 04 02

Office UK (London)
(+44) 20 7190 9911

Office USA (Miami)
(+1) 786 870 4921
Foreign Legal Consultant

Office COLOMBIA (Bogotá)
(+57) 601 5140378
Our dedicated teams in all of our offices allow us to provide personalised and effective service to each client, tailored to their specific circumstances, regardless of their location.
CONTACT INFORMATION

Contact us to assess the viability of your case, free of charge and without obligation.
PLEASE, COMPLETE THE FORM
