Abusive Mortgage Clauses Claim

It’s more than likely that you are owed money. We advise you to claim to get it back. With no initial cost. You’ll only pay our fees if you win.
It’ll take you less than 99 seconds.

Personal data

We need your details to handle your claim.

Name

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Last name

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Must be a valid email

Phone number

Must be a valid phone number

We will only use your phone number to help you with your claim and give you more personalized attention.

Claim details

Next, we need to know all the details of your claim.

In what year did you sign your mortgage?

This field is compulsory

What is the amount of your mortgage? *

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Which bank do you have the mortgage contracted with? *

Banco Popular

Banco Sabadell

BBVA

Cajamar

Caixabank/La Caixa

Unicaja

Caixanova

Banco Mare Nostrum

Otro

Specify which one

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In what did you spent the money of the mortgage loan? *

Personal use to buy my first or a second house.

Professional use

Other

What did you allocate it to?

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Have you signed any modification on the mortgage loan in front of a notary? *

Yes

Are you still paying the mortgage? *

Yes

Why? *

I have finished paying the mortgage.

I sold the house and another person took over the mortgage

I can not pay the mortgage and I have stopped paying the bank.

Approximately, in what year did you finish paying it? *

This field is compulsory

Approximately, how many monthly payments you have not paid? *

1 payment

2 payments

3 payments

4 payments

5 payments

6 payments

more than 6 payments

Did your bank inform you about the floor clause before the mortgage signature? *

Yes

I do not have a floor clause in my mortgage

Were you able to negotiate the floor clause? *

Yes

Were there any documents, exchanges of emails or calls about this negotiation? *

Yes

Did they inform you through emails or calls? *

Yes

Do you or any of the mortgage holders work or have worked in the banking and/or real estate sector? *

Yes

Have you or any of the mortgage holders signed an agreement with the bank to remove or modify the floor clause? *

Yes

Could you attach a copy of this agreement? *

Yes

Is the floor clause still applied to you up to this day? *

Yes

I don't know

Approximately, from what date did they stop to apply it? *

Have you already filed another or similar claim regarding your mortgage?

Yes

Where did you submit this other claim?

To add a paragraph, press SHIFT + ENTER

Do you own more than one property? *

Yes

Have you or any of the mortgage holders signed any currency modification with the bank? *

Yes

And finally, we’ll need the following documents to review your claim

We only need one of the following documents:

If you’re missing one of these documents, you can upload it later.

Attach Mortgage Loan Deed This document is essential to claim. If you can’t find it, you can go to the Notary where you signed for your mortgage and ask them to email you a basic copy.

Attach Last Mortgage Receipt You can download a copy from your online banking portal.

Attach correspondence with the bank It’s very important that you let us know and provide us with documentation if you’ve already made a claim for this reason. For example, emails exchanged with your bank.

Attach valuation certificate You can request it from the company that carried out the appraisal. The company’s contact information can be found on the appraisal, which is attached to your original mortgage deed.

Attach agreement with the bank It’s important that you let us know and send us the documentation if you’ve reached an agreement with your bank.

Expenses of registration You can request it from the Registry office where your mortgage deed was registered.

Expenses of notary You can request it from the Notary where you signed for your mortgage.

Expenses of management Your processing agency (gestoría) should be able to provide you with the invoice and other related documentation. They made the payments on your behalf and therefore have to keep copies on file for a certain amount of time.

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