clausula suelo

Clausula Suelo

How Can Citizens Advice Bureau Spain Benefit You?

As an expatriate living in Spain; do you find that the Spanish bureaucratic system can be disconcerting? Have you discovered that the simplest of transactions are difficult to conclude? Find yourself searching for answers to problems only to discover that there is nowhere where you could find a solution? I am assuming that the answer is yes and that is why should be a member of our web site if you arent already.

2017 June 29th

Multi Currency Mortgages-a Legal Solution

This article was provided to us by a law firm with expertise in banking products. “We have been observing frequent cases of homeowners who signed multi-currency mortgages , in which the quotas and the capital to be amortised are determined

2017 June 8th

Santander Purchase Banco Popular And Clausula Suelo

For those concerned as they have a case against Banco Popular to recoup the monies owed and removal of the floor clause, please note the information below provided today by one of the lawyers who are acting for some of our members. “Those

2017 January 26th

Government Rushes Law On Clausula Suelo To Assist Consumers Or The Banks?

This topic was discussed with Bill Padley interviewing CAB adviser. Talking about the law and the possible implications. Since the interview, we have seen some of the agreements. One includes that during the three months negotiations. Also menti

2016 December 30th

Good News For Mortgage Holders Who Paid Costs Associated With Property Purchases

For those who have bought a property in Spain with a mortgage will have paid costs and fees associated with the mortgage on the purchase. These costs will include: valuation, notary, registry,(judicial taxes) and management fees. The Supreme Cou

2016 December 22nd

What Can I Do If I Think My Mortgage Is Affected By The Clausula Suelo (floor Clause)?

On the 21/12/2012 the European Court of Justice ruled the invalidity of the abusive floor clause and demand that the banks return the amounts overcharged retroactively. The ECJ has ruled that the Spanish Supreme Court did not have the ability to

2016 December 21st

Clausula Suelo. European Court Of Justice Rules In Favour Of Retroactive Payments.

This is the message from one of the group of lawyers who support our members. “Although our legal team does not yet have access to the judgment document to analyse the specific issues, we are pleased to announce that the ECJ has declared t

2016 November 4th

Clausula Suelo In Your Mortgage Contract? Talking With Bill Padley On Tre

Many who took out a mortgage with a Spanish bank are not aware that they are still paying excessively high interest rates and are probably owed thousands. The monies lost are due to the high interests rates charged increasing the monthly mortgag

2016 August 20th

Many Still Not Aware Of The Clausula Suelo (abusive Floor Clause) In Their Mortgage Contracts

Update on the final ruling to banks expected from the European Court of Justin expected at the latter part of this year. The European Advocate General has agreed with the Madrid Supreme Court ruling that banks should only have to make repayments

2016 June 12th

Clausula Suelo/floor Clause And Why You Should Check Your Spanish Will Live On Tre

Monday June 13 live on Talk Radio Europe. Lets Talk with Bill Padley at 11.00 am till 12 noon. Full story on the Clausula Suelo affecting millions of mortgage holders. Mortgages with most banks affected. What it is, how to check if this clause

2016 April 19th

Warning. Banks And Mortgage Scams?

‘Scam’ definition: a dishonest scheme. I am presuming that most mortgage holders are aware of the abusive clausula suelo, (floor clause) where over forty Spanish banks added a clause into their mortgage contracts stipulating that; intere

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