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Consumer Affairs

Was My Bank Correct Insisting That Life Insurance Is Requisite For A Mortgage?

No they are not. There is no legal requirement for taking out a life insurance policy with the bank to obtain a mortgage. For further information, visit this LINK

Buying A Second Hand Vehicle – Tips From Dgt/trafico

Tips from DGT/Trafico, published in their online magazine. Here´s a direct LINK.  Information provided in Spanish. Time permitting I will add the highlights in English at a later stage.

Do I Need To Make An Appointment For Trafico?

Yes you do. The information to do this is in this section of FAQ’s. There are separate instructions for those who wish to make an appointment to change or renew a UK licence for a Spanish permit. LINK to Library document with a link to rel

Where Can I Find A Consumer Association In My Region?

Besides the OMIC at your town hall, you can also write a complaint to the government body in your region. Known as AECOSAN (Agencia Española de Seguridad Alimentaria y Nutrición) and regional offices CIDOC. ‘centre for consumer informati

Recycling Points - Does Spain Have Them?

Yes, in most towns you can find a PUNTO LIMPIO, often on the outskirts of a town, on a ´poligono´. Opening hours usually quite limited, so best ask at your Town Hall before you go. You can bring your old and broken kitchen equipment, computer

Goods Or Services Contracted Online – The Right To Withdraw Unilaterally

With most contracts, signed for the purchase of goods or services through the internet or by phone, you have a period of ´derecho de desistimiento´ during which you can cancel that contract unilaterally, without giving reason and without penal

How To Contact Insurance Ombudsman?

The Insurance Ombudsman is an independent authority, which does not belong to any insurance company and will defend the customer interests against the insurance companies when these have not been fulfilled. The Spanish Insurance Ombudsman can be

What Is The Clausula Suelo?

Clausula Suelo is an abusive floor clause in mortgage contracts, used by the banks and deemed to be illegal by the Spanish and EU courts. For full information, please read the facts HERE

Where Can I Obtain Advice On Mortgage Debt?

The information on the article below, will be helpful. Mortgage Debt Each case of mortgage debt must be examined by individual merits. For first step please contact Myra at: myra@citizensadvice.org If necessary you may be advised to seek furt

Where Can I Download Complaint Forms / Hojas De Reclamaciones?

Info doc in the Library, Consumer Affairs section, with link to forms for all regions. We wish to give our thanks to Ancove for the site. Or click the link HERE for direct access. You can take the forms to the consumer offices linked to your to

FAQ Library

Here you will find answers to the most frequently asked questions.