Banking Lawyer in Cádiz
We will help you to recover all the money that the banks have made you pay illegally. Whether it is for abusive charges on your credit card, mortgage…
How can we help you?
When we talk about banking law, we refer to all those rules relating to the operation and good practice of financial institutions with their customers.
When these financial institutions provide services that are negligent and contrary to the interests of the client, we have the right to claim a refund.
For example, some of the following cases:
Our services of
Banking law
Card with abusive interest rates
We have made more than 100 complaints regarding revolving cards, with success in all of them.
Mortgage expenses
Were you forced to take out life insurance and pay it in one lump sum? Did you sign the mortgage after 2019 and are you forced to keep the insurances?
IRPH
If your mortgage is subject to IRPH you may have to pay back the interest you have overpaid.
Early maturity clause
According to the Spanish Supreme Court as well as the Court of Justice of the European Union, the early maturity clause is an abusive clause, and can be a cause of opposition to the foreclosure lawsuit.
Commissions: opening, maintenance...
It is common for banks to charge you interest for the maintenance of a credit card (even if they told you that they did not have one). If they do not do so when you inform them to close the account, you can reclaim all these charges.
Interest on Arrears
If the interest fixed in the contract, at the time of application, exceeds three times the legal interest rate, it is considered as abusive interest.
Would you like us to review your mortgage deeds for free?
And since an opinion is worth a thousand words....
Frequently asked questions
Send us an email to jurisleg@arcos.com attaching your mortgage deeds and write your name and telephone number in the subject line.
Si lo prefieres, puedes mandarnos un whatsapp o llamarnos y te informaremos con más detalle.
First of all, you should go to the Bank of Spain website.
Then look to see if the interest on your card exceeds the Bank of Spain’s interest rate by 6 points for that year.
The easiest way is to contact us and we will check it for free.
It will depend on whether you signed the mortgage before or after 2019.
If you signed it before 2019, you lose the bonuses. However, you may be worth losing them for the savings on the policy.
Si la firmaste después del 2019, te la deben mantener.
It is something that is out of our hands, as it does not depend on us.
It will depend 100% on the court, so we cannot set a date.