Bank claims solicitors
Consumer rights advocates against these situations of banking abuse
In Spain, in recent years, the courts have handed down numerous rulings in favour of consumers against banks, especially in matters relating to home purchases, mortgages and complex financial products. Judges have deemed practices such as the improper charging of mortgage fees, the application of floor clauses or IRPH clauses, unjustified commissions and the marketing of preference shares to be abusive, recognising the right of customers to claim and recover their money.
At Pellicer & Heredia, we specialise in defending consumer rights against these banking abuses. Our team of lawyers, who are experts in banking law, offer comprehensive advice and solid representation, handling claims efficiently and rigorously to secure refunds and guarantee real protection against financial institutions.
Do you require clear and effective advice on how to make a claim against your bank?
At Pellicer & Heredia, we defend consumers’ rights against banking abuses. Tell us about your case and one of our solicitors specialising in banking claims will contact you to offer personalised legal advice and help you recover your money.
What amounts can be claimed?
Claiming mortgage expenses
Claims for sums paid on account for the purchase of undelivered housing
Claim for IRPH clause
Claim for floor clause
Claim for undue charging of fees by the bank
Claim for preference shares
What do I need to make a claim?
Filing a claim of this nature against a bank does not have to be a very complex process if you have lawyers who are experts in banking law, such as Pellicer & Heredia, acting on your behalf.
Documentation
To initiate a bank claim, you will need to gather all documentation related to the financial product or mortgage you are claiming. This includes the original contract, invoices, commission payment receipts, bank statements, and any other correspondence with the financial institution.
Justification of abuse
It is important to have evidence proving that the bank has acted improperly or abusively. This evidence may include unfair terms in contracts, unjustified fees, or financial conditions imposed that were not clearly explained to the customer at the time the contract was signed.
What is the process to follow?
Analysis of your case
We analyse your case individually, reviewing contracts, mortgages and financial products, detecting unfair terms or undue fees to accurately determine the viability of your claim.
Submitting the claim to the bank
We drafted and submitted a formal complaint to the bank, detailing the abuses detected and requesting the refund of amounts unduly charged, together with the corresponding legally established interest.
Legal and judicial actions in the event of refusal
In the event of a bank refusal, we initiate legal and judicial proceedings, defending your rights in court with expert representation until we obtain the most favourable outcome possible.
What results can I expect?
These claims seek to recover the money unduly charged by the bank, together with interest, and in some cases to reduce the interest rate applied. Our team of specialist solicitors analyses contractual irregularities and designs an effective strategy. If the bank does not respond favourably, Pellicer & Heredia will represent you in court to defend your rights and achieve the best possible outcome.
Pellicer&Heredia, solicitors specialising in claims against banks
We specialise in banking claims and defending consumers against abuse by financial institutions. We offer personalised advice and legal representation to recover the money you are owed, both through out-of-court and court proceedings. Our experience and numerous success stories speak for themselves. If you would like to know whether you can make a claim against your bank, please contact us using the form.