Banking Law

Banking Law

UNFAIR TERMS

  • GROUND CLAUSE
    Extrajudicial and judicial claim of the amounts paid to the bank in application of the floor clause in mortgage loan.
  • IRPH
    Extrajudicial and judicial claim of the amounts paid to the bank in application of the clause that fixes the interest rate to be applied in a mortgage loan based on the IRPH index.
  • MORTGAGE EXPENSES
    Extrajudicial and judicial claim of the expenses paid at the signing of the mortgage loan deed.
  • OTHER ABUSIVE CLAUSES
    Claim and challenge of other abusive clauses such as abusive interest, late payment interest, commissions, early maturity, etc.
  • MULTI-CURRENCY MORTGAGE
    Extrajudicial and judicial claim of mortgage loan with an interest referenced to a foreign index.

JUDICIAL BANK DEFENSE

  • MORTGAGE FORECLOSURE
    Defense in judicial proceedings followed by financial entity in claim of unpaid mortgage installments.
    Evictions, dations in payment and foreclosure threshold (suspension of foreclosures…).
  • EXECUTION OF NON-JUDICIAL TITLE
    Defense in legal proceedings followed by financial entity in claim of unpaid installments of loan other than mortgage (for example, personal loan).
  • CLAIM OF PERSONAL LOAN, CREDIT CARD OR OTHER
    Defense in legal proceedings followed by financial entity in claim of unpaid installments of personal loans, credit cards, microcredits, overdrafts, etc.

DEBT RESTRUCTURING AND REFINANCING

  • REFINANCING
    Assistance and out-of-court advice in negotiations with financial entities to refinance unpaid debts.
  • CODE OF GOOD PRACTICES
    Out-of-court assistance and advice on the application of the Code of Good Banking Practices under Royal Decree-Law 6/2012.
  • DATION IN PAYMENT
    Out-of-court assistance and advice to negotiate with the bank the delivery of the property in payment of the mortgage debt.

SECOND CHANCE

  • SELF-EMPLOYED
    Assistance and representation in second chance procedure in bankruptcy proceedings for self-employed individuals.
  • INDIVIDUAL
    Assistance and representation in second chance procedure in bankruptcy proceedings for individuals as employees or unemployed.

SALE OF YOUR CREDIT TO AN INVESTMENT FUND

Challenging the assignment of the credit, retraction, negotiation with the fund for dation in payment, cancellation of the credit with a credit write-off, etc.

AMOUNTS PAID ON ACCOUNT IN PROMOTION

Extrajudicial and judicial claim of amounts paid on account guaranteed with or without guarantee, for the purchase of housing not completed or not delivered by the developer.

JUDICIAL, EXTRAJUDICIAL AND ADMINISTRATIVE AUCTIONS

Feasibility study of the auction, advice, intervention and follow-up of the auction process, management of registrable titles, etc.

ASSIGNMENT OF LITIGIOUS CREDITS. STUDY AND ADVICE. FOLLOW-UP OF THE PROCEDURES

REVOLVING CARDS. NULLITY FOR ABUSIVE INTERESTS. USURA LAW

NULLITY OF BAIL GIVEN IN FAVOR OF THIRD PARTIES