Consumer, professionals and corporations defense against the unfair terms of the banking sector
Goya. Detail of work “The tyrant”. Royal Academy of Fine Arts of San Fernando Madrid. (Spain)
Servicios > Pulchra Legal > Consumer, professionals and corporations defense against the unfair terms of the banking sector
Experts and pioneers in the protection and defense of consumers. Since 2011 we have defended our clients against unfair terms of the banking sector. Currently we have found creative solutions for the protection and defense of companies against them.
Floor clauses are usually included in many mortgages. In accordance with the Sentence of the Court of Justice of the European Union of December21, 2016, banking entities must return the amounts paid in excess by reason of this clause from the date of formalization of the mortgage. In addition to these floor clauses there are many others considered abusive by the Courts of Justice.
During 2007 and 2008, many entities placed floor clauses on mortgages, without warning customers of their economic consequences. This lack of transparency in the marketing of products with this type of clause has led the courts to declare its abusivity, forcing the banks to return all the money. If your mortgage was signed between 2001 and 2012 and the amount of your installment has not decreased by the equivalent of Euribor, you will almost certainly have floor clauses.
WHAT WE OFFER
Analysis and study by experienced professionals. With your mortgage deed, our Firm will confirm the existence or not of unfair or invalid banking clauses.