Category Archives: BANKING LAW. DERECHO BANCARIO

Spanish Mortgage Loans: refund of the overpaid interests in the cases of mortgage floor rates clauses, despite the Court Order from the Highest Court of Spain

Dear Readers , As informed previously, recently there was a Court Order published from the High Court of Spain (Tribunal Supremo TS), in relation to mortgage floor rates, number 1916/2013.  Mortgage Floor or Minimum Interest Clause, is a clause included … Continue reading

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Préstamos hipotecarios en España: devolución de los intereses en los casos de cláusula suelo, a pesar de la sentencia del Tribunal Supremo.

Estimados lectores, Como ya informamos anteriormente, hace unos meses se publicó la Sentencia de Tribunal Supremo español ( TS) relativa a la cláusula suelo, número 1916/2013 de 09/05/2013.   Recordar que la cláusula suelo o de interés mínimo, es aquella … Continue reading

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Hypothekendarlehen in Spanien: Rückzahlung der Zinsen bei Mindestzinsatzklauseln, trotz Urteil des Obersten Gerichtshofs.

  Sehr geehrte Leser Wie bereits zuvor mitgeteil, wurde vor einigen Monaten das Urteil Nummer 1916/2013 vom 09/05/2013 des Obersten Spanischen Gerichtshofs (TS) im Zusammenhang zu der Mindeszinssatzklausel gefällt.   Wir wollen nochmals darauf hinweisen, dass es sich bei der … Continue reading

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Clausula suelo: Mortgage floor rate clause ( minimum interest clause). It is legal?. How to claim against Spanish bank for interests charged back.

 Do you have a mortgage? Is there a mortgage floor rate clause on it? If so, is it abusive? We can assist you in defending your consumer’s rights and getting compensation from the bank. Dear Readers ,  A mortgage or … Continue reading

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Consumer and Banking Law in Spain: The Spanish mortgage floor rate clauses. Are the mortgage loan interest floor rate clauses legal?. Answer from the Spanish courts, lawyer etc.

CONSULTATION: Dear Carlos When I took out my mortgage I was not advised that there was a mortgage floor rate ( clausula suelo),  I was only told it was variable and linked to the euribor.  For the last few years … Continue reading

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Legalidad o ilegalidad de las cláusulas suelos en los préstamos hipotecarios. Despacho abogados, sentencias y el suelo de las hipotecas e intereses mínimos.

 CONSULTA:  Estimado Carlos,  Cuando firmé mi hipoteca nadie me dijo que había una cláusula suelo, solo se me dijo que el interés era variable y que se fijaría según el Euribor. En los últimos años he pagado el 4.25% a … Continue reading

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Cancellation of a CAM Bank’s preference shares sale to a retired women for not having satisfactorily informed her about the consequences of the transaction.

According to Europa Press, a Court of Segorbe (Castellón) has recently granted a court order anulling a sale of preference shares from the CAM bank to a pensioner, condemning CAM bank to return the money invested, plus legal interest and  … Continue reading

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Banks get hit again by Spanish Courts: The Castellon Regional Court ruled that Bankia is not legitimated to apply for the mortgage execution of the mortgages granted by Bancaja.

  As we have stated in previous articles, we are receive many queries from persons who unfortunately are no longer able to pay their mortgage loan and cannot see a way out of this problem; especially when the bank refuses … Continue reading

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La Audiencia de Castellón entiende que Bankia no está legitimada a instar la ejecución hipotecaria de las hipotecas otorgadas por Bancaja.

  Como hemos comentado en ocasiones, lamentablemente son muchas las consultas que nos llegan de personas que no pueden pagar sus hipotecas y no ven salida ni solución a su situación, pues su banco no acepta la dación en pago, … Continue reading

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LEGAL ADVICE: HOW TO PURCHASE A PROPERTY IN SPAIN FROM A BANK.

Dear readers, Increasingly our clients are seeking help and advice about how to purchase a property from a bank in Spain, due to the well known fact that Spanish banks have accumulated in recent years a large amount of properties … Continue reading

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