The practice
We read it the way a judge would
Most people never read their mortgage deed — and for two decades, Spanish banks counted on exactly that. Floor clauses, set-up costs quietly passed to the customer, cards designed so the debt never ends: clause by clause, the courts have been striking them down and ordering the money back.
This desk does one thing with your file: reads it the way a judge would. We mark what is challengeable, put a figure on it, and claim it — first directly against the entity, in court when the entity prefers it that way. You decide with the number in front of you, never before.
What can be claimed
Six clauses banks would rather you forgot
Every one of these has been through the Spanish or European courts — and lost. If your contract carries one, it carries money.
The route
How a claim proceeds
The reading
Bring the deed or the card contract. We mark every challengeable clause — the way a judge would read it.
The number
You get a figure, the legal basis behind it and our honest view of the odds. Then you decide — not before.
The bank, first
A formal claim to the entity. For floor clauses the bank must answer within three months — many matters end right here.
Court, if it must
If the entity refuses or lowballs, we litigate — and we ask the court to make the bank pay the costs.
Banking Law questions
Before you ask
My mortgage is already paid off — can I still claim?
Often, yes. Cancelling the loan does not erase what was unduly charged during its life, and several claim types survive it. Bring the old deed — the review costs you nothing but the visit.
Is there a deadline on these claims?
The nullity of an abusive clause does not expire, but the refund attached to it can — and the courts keep refining how that clock is counted. The only safe answer is to have yours checked now rather than later.
What does it cost to find out what I have?
The first review tells you what is challengeable and roughly what it is worth. If you go ahead, the fee for the claim is agreed up front — and where the law allows, we pursue costs against the bank.
Will my bank make life difficult afterwards?
No. These claims are handled at industrial scale in Spain — your account, cards and direct debits carry on as normal. The entity's claims department and your branch are different worlds.
How long does a claim take?
Extrajudicial answers arrive within weeks — three months at most for floor clauses. Court adds months that depend on the local backlog; we tell you the realistic timeline for our courts, not a brochure number.
Think your contract carries one of those clauses?
Bring the deed or the card contract — a lawyer tells you what it is worth and what claiming it costs, within one business day.
Prefer to call?
Have your contract read
Tell us what you signed and when — a lawyer replies within one business day.
Appointment request
Pick the office, day and time that suit you — bring the deed.