Claim REVOLVING or ABUSIVE CREDIT CARD
- The Suprem Court allows you to get your money back
- What is the revolving or abusive credit card?
- What can be claimed?
- Why trust us?
- Types of Abusive Cards
Do you have a credit card and pay very high interest?
Do you pay a fee every month even if you don’t use the card?
Do you want to get rid of it and recover all the interest paid to the bank?
CLAIM THE INTERESTS OF YOUR REVOLVING or ABUSIVE CREDIT CARD
The Supreme Court Judgment of March 4, 2020 allows you to recover all the interest that for years you have had to pay the bank for using your revolving or abusive credit card.
The Supreme Court has just confirmed what it already said in 2015: if a bank has charged a customer above the market average for using a revolving credit card or any other type of card, the bank must return to the customer all interest that has been charged from the first day of use of the card.
This sentence allows us to declare the credit card contract null and void and to recover all the money paid in interest.
If you believe that you have a revolving credit card or another type of credit card and that the bank charges you very high interest, we review your case without obligation.
Revolving or abusive credit cards are a form of credit card that banks began to market about 15 years ago. They are offered as a very useful card for day-to-day expenses since they allow you to have a continuous line of credit without having to repay the entire debt at the end of the month. The credit card limit is recomposing as the client pays his installments. The problem is that (i) very high interests are stipulated, higher than 24% APR; (ii) the fee that the client pays at the end of the month is allocated by the bank, mainly, to pay interest and commissions, so that the debt is hardly reduced; (iii) the payment of fees lasts for years, even if the card is no longer used, making the customer a captive in this situation.
The Banks that have commercialized the revolving cards the most are: WIZINK, COFIDIS, SANTANDER, BBVA, BANKINTER, CARREFOUR, CAIXABANK, UNICAJA BANCO, BANKIA and BANCO SABADELL. But are not the only ones!
The Supreme Court allows the client to recover all the money that he has paid to the bank as interest and commissions. And it is not a little. There are clients who have already managed to recover more than 10,000 EUROS that the bank had charged them in interest and commissions.
Example: For a revolving credit card that allows you to spend 6,000 Euros, in the end you can have paid up to 14,000 Euros in total. In this case, now the Bank would return 8,000 euros to you.
We have a team with extensive experience in bank litigation. We analyze the cases individually. We have already obtained favorable judgments and that the bank has to return to our clients all the interest they had paid. The new Supreme Court Judgment of March 4, 2020 reinforces our theses and our claims.
Bankia Action Against Hunger Visa Card
Bankia Visa UNHCR card
Bankia Aid in Action Visa Card
Bankia Red Cross Visa Card
Bankia Manos Unidas VISA card
Bankia Medicus Mundi Visa Card
Bankia Unicef Visa Card
Bankia Paralympic Visa Card
Bankinter Solidarity Visa Card
The Judgment of March 3, 2020 of the CJEU by the IRPH opens the doors so that the mortgages referenced to the IRPH can be canceled for abusiveness by the Spanish courts.
The Spanish courts must check whether the bank complied with the transparency control and explained to the consumer in a clear, understandable and documented way how the IRPH index would affect the contracted mortgage.
With this favorable result, if you have a mortgage with IRPH, it is time for you to claim and recover all the money.
If you think you may be affected, we review your mortgage without obligation.
The IRPH (Mortgage Loan Reference Index), is an interest rate used in Spain to reference mortgages. This Index is obtained by averaging the interest applied by savings banks and banks. Mortgages that have IRPH as a benchmark are characterized by having a very high interest rate. The lack of transparency in its commercialization by banks is currently being questioned.
What is important in these cases is the lack of transparency when including the IRPH clause. What is requested is the nullity of the clause, or in its case the conversion of the loan to Euribor and the return of amounts that have been overpaid.
We are a firm with extensive experience in bank product claims and with a professional team specialized in defending consumer rights.
At Juanola Abogados we will be happy to attend to your case, offering you personal support throughout the entire process until your money is recovered.
Claim LAND CLAUSE
The soil clause is a clause that many banks included in mortgages that sets a minimum interest that the consumer must pay each month, regardless of the interest rate established by the market.
The Judgment of the Court of Justice of the European Union ruled in favor of consumers, establishing that banks will have to return the amounts paid in excess since the mortgage was signed by the application of this clause.
In order to know if your mortgage is affected by the floor clause, we need the Mortgage loan deed or the receipt from the bank of the monthly collection of the mortgage.
In general terms we can say that if the monthly amount you pay each month has not decreased or decreased at the same rate as the Euribor decreased, you probably have a floor clause.
Since the Bank has no obligation to directly return the money to its affected clients, you will have to go to an attorney and file your claim. Basically, what the Bank is asked to do is: remove this clause from your mortgage, return the money you have overpaid, and recalculate the outstanding amounts payable on your mortgage after the removal of this clause.
At FGA we will be happy to attend to your case, offering you personal support throughout the entire process until your money is recovered.
Claim MORTGAGE EXPENSES
The Court of Justice of the EU (Judgment of 07/16/2020, joined cases C-224 and C-259/19) condemns the bank to return to the client all the mortgage expenses, as a consequence of the declaration of nullity for abusive of the mortgage formalization expenses clause.
- What are Mortgage Expenses?
- What can be claimed?
- Who can claim?
- Can you claim if the Mortgage is Canceled?
- Why trust us?
These are the mortgage formalization expenses that you paid when you signed your mortgage.
They correspond to the amounts you paid to the Notary, to the management company, to the appraisal company, to the Land Registry …
All of the following expenses can be recovered:
- Notary Bill
- Property Registration Invoice
- Management invoice
- Valuation invoice
Necessary documentation: We only need invoices for the amounts you paid. If you don’t have them, we help you get them.
All natural persons who have signed a mortgage and have had to bear the mortgage expenses can claim.
Legal persons who have a mortgage on a property that does not affect their professional activity can also claim.
Yes, even if you have canceled the mortgage or have sold the house, you can also claim the mortgage expenses.
We are a firm with extensive experience in bank product claims and with a professional team specialized in defending consumer rights.
The new CJEU Judgment of July 16 allows you to recover all mortgage expenses before the declaration of nullity of the mortgage formalization expenses clause.
At Juanola Abogados we will be happy to attend to your case, offering you personal accompaniment throughout the entire process until your money is recovered.
MUTUAL AGREEMENT DIVORCE
- What is it?
- Who can initiate a divorce by mutual agreement?
- How does a mutually agreed divorce work?
- What are the effects of a mutually agreed divorce?
- What are the requirements to be able to process a divorce by mutual agreement before a Notary?
Dissolution of marriage through the agreement of the spouses. The spouses are the ones who will determine the measures that will regulate their relationship after the divorce.
- Less suffering spouses and children
- Freedom of pacts in the Regulatory Agreement
- Duration: much shorter
- Price: much cheaper
Any marriage that has been married for at least 3 months. Both spouses or one spouse may request it with the consent of the other.
The spouses write and sign a Regulatory Agreement assisted by an attorney.
A divorce petition is filed in court and the signed Regulatory Agreement Proposal is attached.
The Regulatory agreement is a document that explains the norms that regulate the effects of divorce: parental authority of the children, custody and custody, visitation regime, powers and use of the family home, contribution to the burdens of marriage, liquidation of the economic regime marriage, pensions, family items, etc.
Steps to follow:
1- Contact with an attorney who will direct the entire Process.
2 – Draft and sign a Mutual Agreement Regulatory Agreement of divorce drawn up by the lawyer following the criteria of the spouses.
3- Present the mutual divorce request and agree with the Regulatory Agreement Proposal to the court.
4- Go to court to ratify the signed Regulatory Agreement.
5- The Judge dictates sentence that approves this Regulatory Agreement.
Dissolution of the marriage bond (You can remarry civil marriage).
End of the obligation of coexistence of the spouses.
Dissolution of the matrimonial property regime and liquidation of common property.
Loss of inheritance rights (widow’s pension).
- That there are no children
- That the children are of legal age or emancipated minors (they must give their consent before the Notary regarding the measures that affect them because they lack their own income and live in the family home)
It can take approximately 2 weeks to a month.
The spouses must personally appear before a Notary.
The assistance of a lawyer will be required, who will advise the spouses and also sign the divorce deed.
The Notary of the last common domicile or the domicile or habitual residence of any of the applicants will be competent.
- What is it?
- Who can initiate a contentious divorce?
- How long does a contentious divorce last?
- Which are the steps to follow?
It is the expected divorce when there is no agreement between the spouses. It is started by one of the spouses without the consent of the other.
- Greater suffering spouses and children
- There is no freedom of agreement. judicial decision
- Duration: much longer
- Price: much more expensive
- Dissolution of the marriage bond (You can remarry civil marriage)
- End of the obligation of coexistence of the spouses
- Dissolution of the matrimonial property regime and liquidation of common property
- Loss of inheritance rights (widow’s pension)
Any marriage that has been married for at least 3 months.
It can take approximately between 1 and a half to 3 years depending on the complications and the delay of the Courts.
A spouse files for divorce in court requesting and justifying all their petitions regarding the effects of the divorce: children, housing, property, property, etc.
The other spouse must answer the demand setting and justifying their requests.
The Judge will issue a Judgment setting the measures that should regulate the effects of the divorce.
Provisional measures may be requested for the duration of the judicial procedure.
- How can I claim?
- What accidents do we claim?
- Who can claim?
- What can I claim?
- How long do I have to claim?
- What documentation do I need to claim?
- Basic advice if you have an accident:
If you have suffered an accident, it is essential to contact an attorney outside your accident accident insurance insurer because insurance companies tend to offer lower compensation than you are entitled to.
Remember that you can hire a free external lawyer according to the conditions of your policy, and that the insurance company has to pay our fees.
Pedestrian run over
Pedestrian Falls on the Public Road
- Driver of the vehicle if the accident was the fault of another vehicle or concurrence of fault
Passenger of a vehicle ALWAYS
Accompanying a motorcycle ALWAYS
Scooter Drivers and Cyclists
If you are a pedestrian and have been run over by crossing a traffic light or zebra crossing
If you are a pedestrian and have been run over by crossing an inappropriate place whenever there is a concurrence of guilt.
If you are a pedestrian and have suffered a fall on the street as a result of the poor condition of the road, sidewalks, holes, etc.
Bodily Injury / Injury
Contact us from the beginning of the accident do not wait to receive the medical discharge, we accompany you and advise you throughout the medical recovery.
Your insurance company or the opposite company does not correctly assess the material damages of your vehicle, we help you. We also claim the damages of the goods that were inside the vehicle and that have suffered damages as a result of the accident.
Claim the income you have stopped receiving due to the accident.
In case of suffering serious or very serious injuries that leave sequelae for life, other aspects to claim must also be taken into consideration: disabilities, correction factors, economic and social aid, adequacy of housing …
The injured party has a period of one year to claim from the date of the accident.
Accident report or police report
Part of first assistance, if any
Part of sick leave, if any
Part of work registration, if any
Bills for all medical expenses
Out-of-Court Claim: It is initiated by an out-of-court claim (reasoned offer) to the opposite insurance company. If the causing insurance company does not answer or the reasoned offer that it has offered us does not correspond to the damages caused, we reject the offer and continue with the next phase.
Lawsuit: Filing of lawsuit in the Courts.
Notify the police or local authorities
Try to locate a witness who has seen what happened.
Contact us, we will advise you, assess your injuries and defend your compensation.
Do not accept the lawyer that the insurance company imposes on you. You have the right to appoint a private attorney.
We claim the best possible compensation for our clients without being conditioned by having professional relationships with insurance companies.
We only charge if our client charges …
Does your insurer not want to indemnify you? Has the insurer rejected your insurance payment?
Insurance companies cover some risks that exist in our daily lives by paying compensation in exchange for paying the insurance premium.
Frequently the General Conditions of the contracted insurance raise doubts: insured mishaps, amounts to be received, existence of limiting clauses of the insured’s rights.
Types of insurance that I can claim:
- Life insurances
- Disability insurance
- Absolute Disability Insurance
- Home Insurance
- Community Owners Insurance
- Healthcare Insurance
We solve the problem with your insurance!
We carry out an analysis on the legality of the clauses contained in the general and particular conditions of the insurance policies.
We demand what is fair and the consumer has contracted. Companies often saturate the consumer by requesting numerous documentation in order to initiate the file for collecting compensation.
You need an independent expert to reassess the claim, we will help you.
- The insurance application or proposal
- The particular and special conditions
- The general conditions (separate book or in small print)
- In the case of life insurance or medical policies, the health questionnaire
You have had a claim and the insurance company does not pay you or deny you a service set out in the insurance policy.
The company’s expert misjudges the damage.
When the insurer’s customer service department or service does not exist or malfunctions.
The insurance agent sells you insurance and you have not signed the policy.
Health care insurance does not cover certain diseases.
You have not completed the life insurance questionnaire.
The company does not cover the humidity because it alleges a lack of maintenance on the premises.
We get you the MAXIMUM INDEMNIFICATION
The term eviction refers to the eviction of the occupants of a property by court order.
Eviction is the way to recover the home when the tenant stops paying rent or supplies or when there is another legal cause of eviction and the effective eviction of the tenant is intended.
Currently, the eviction is processed through a verbal, shorter, faster, and simpler procedure that lasts between 3 and 6 months from the filing of the lawsuit until the recovery of the property.
- Burofax: Extrajudicial claimIt is not mandatory, but it is recommended to prevent the lessee from undercutting the eviction action.
- Filing of the eviction claim
- Admission of the lawsuit and determination of the trial and launch date
- The tenant has 10 days to:
Do nothing (frequently)
Enervate the eviction action. It is a tenant’s right that can be exercised once and as long as no extrajudicial claim has been submitted by the owner. It consists of paralyzing the judicial procedure paying all that is due and must be exercised within 10 days from the notification of the demand.
Deliver the property and / or pay the debt
Oppose (tax reasons)
In case a cancellation has been offered, accept it and hand over the property.
- Hearing (in case of opposition) / Judgment (and if applicable, launch)
To initiate an eviction procedure the following documentation (photocopies) will be necessary:
- Real estate lease
- Property deed of the property or simple note from the Property Registry
- Commercial deed of incorporation if the property is owned by a legal person
- Unpaid receipts of monthly rent and, where appropriate, supplies
- Payment requirements and / or Burofax if any.
- Eviction for non-payment of rent or any of the amounts whose payment corresponds to the lessee. Along with the eviction lawsuit, you can claim unpaid rent and / or supplies.
- Eviction for non-consented sublet
- Eviction for not allocating the house to the agreed use
- Eviction for carrying out annoying, dangerous or illegal activities
- Eviction for works not allowed
- Eviction for precarious
- Eviction by necessity of the property as long as it is planned
- Eviction for breach of other legal obligations
Contact us and we will take care of all the necessary steps so that you can recover the availability of your property as soon as possible.
The Juanola Lawyers Firm is a benchmark firm specialized in defending the rights and interests of individuals. We are specialized in legal and economic advice in the field of consumers, bank law, family law, road accidents and insurance.
The trust that more and more clients place in our Office is our greatest success.
“Knowing that our clients are informed and calm with their legal and financial problems is our priority.”
Contact us, we will listen to your specific case at no cost and we will propose a customized solution.
We currently have offices in Barcelona, Madrid, Girona, Tarragona.
The Juanola Lawyers Firm is integrated under the renowned law firm and economists Frade Gobeo & Asociados.
Frade Gobeo & Asociados is a consolidated team with more than 30 years of experience in the provision of legal and business services that has positioned itself as one of the best multidisciplinary and independent law firms on the market.
The entire organization led by great professionals, selected and prepared individually and expressly, is the best guarantee of safety, trust and profitability for our clients.
The order of our clients is summarized in satisfying their desires, achieving their objectives or fulfilling their needs. Said order and individualized attention became the creation of Juanola Abogados, with the sole objective of being able to satisfy each client in all aspects in a personalized way, from defending their rights to payment facilities.
In this way, the maximum professionalism and ease in hiring, the most concrete personalization and specialization, the greatest rigor and commitment, have become inherent values in the organization.
WHAT WE OFFER
Our commitment is to help people and facilitate the contracting of our services adjusting to the economy or personal need of each client.
Our mission is to offer a direct and personalized legal and economic service for each of our clients, through rigorous and professional work, but without forgetting to offer the greatest facility for contracting our services.
Our vocation is to attend to the client’s needs, analyze their case and offer them the best practical solutions, guaranteeing maximum legal certainty and maximum economic profitability.
ASK OUR EXPERTS
YOUR BEST DEFENSE WHY TRUST US?
There are many reasons to choose us
We listen to our clients and maintain a close, agile and decisive relationship with them. Personalized study of each case with face-to-face meetings in our offices.
LET'S GO OVER THERE
Quality is our commitment to customers. We seek excellence. We are convinced that the sum of our experience, commitment and dedication are the path that guides our success.
We are there where the consumer needs us. We have offices throughout the national geography to provide a close and fast service
Our staff has a solid academic background and extensive experience.
We have accumulated a high number of success cases in consumer claims, which added to our legal specialization in banking and mortgage products give us a differential advantage to be able to defend rigorously and professionally the cases of our clients.
We help you ?
Barcelona: C/ Muntaner, núm. 261, 1º-1ª. C.P. 08021
Girona: Pl. Josep Pla, núm. 4, 1º-6ª. C.P. 17001
Tarragona: C/ August, núm. 5, 1º-5ª. C.P. 43003
Madrid: C/ López de Hoyos, núm. 5, 6º. C.P. 28006