Banking Lawyer in Cádiz

We will help you to recover all the money that the banks have made you pay illegally. Whether it is for abusive charges on your credit card, mortgage…

How can we help you?

When we talk about banking law, we refer to all those rules relating to the operation and good practice of financial institutions with their customers.

When these financial institutions provide services that are negligent and contrary to the interests of the client, we have the right to claim a refund.

For example, some of the following cases:

Our services of

Banking law

Card with abusive interest rates

We have made more than 100 complaints regarding revolving cards, with success in all of them.

Mortgage expenses

Were you forced to take out life insurance and pay it in one lump sum? Did you sign the mortgage after 2019 and are you forced to keep the insurances?

reclamar gastos hipotecarios

IRPH

If your mortgage is subject to IRPH you may have to pay back the interest you have overpaid.

Early maturity clause

According to the Spanish Supreme Court as well as the Court of Justice of the European Union, the early maturity clause is an abusive clause, and can be a cause of opposition to the foreclosure lawsuit.

Commissions: opening, maintenance...

It is common for banks to charge you interest for the maintenance of a credit card (even if they told you that they did not have one). If they do not do so when you inform them to close the account, you can reclaim all these charges.

Interest on Arrears

If the interest fixed in the contract, at the time of application, exceeds three times the legal interest rate, it is considered as abusive interest.

Would you like us to review your mortgage deeds for free?

And since an opinion is worth a thousand words....

Gregorio Acevedo
Gregorio Acevedo
2024-02-23
Servicio muy profesional, claro, conciso, con lenguaje cercano y entendible. Totalmente recomendable
Sara Jimenez
Sara Jimenez
2024-02-22
Mi experiencia a sido sin duda alguna la inigualable. am tenido el mejor de los tratos,simpatia,buen trabajo y rapidez sin duda alguna volveré a contratar su equipo siempre que me haga falta.
Carlos Puertollano
Carlos Puertollano
2024-02-22
Buen trato te atiende sin ningún compromiso gracias!! A conseguido que me den de baja el seguro de hogar de caixa , buen profesional
Jaime Román Linero
Jaime Román Linero
2024-02-21
Excelente servicio , siempre han estado disponibles para cualquier consulta , me ayudaron y ganamos el caso . Muy contento con la ayuda recibida . 10
Carlos alberto Mesa peña
Carlos alberto Mesa peña
2024-02-20
Super contento con el trabajo de estos abogados me an devuelto los intereses de usura de moneyman todo fue muy sencillo
Manuel Martín Chulian
Manuel Martín Chulian
2024-02-15
Excelente trabajo. El trato con ellos ha sido genial , buenos profesionales repetiría con ellos de nuevo. Gracias x todo un saludo!!
David Leira
David Leira
2024-02-05
El trato desde el primer momento es muy cercano y muy bueno. La verdad es que te ayudan en todo. Lo recomiendo 100% y cualquier problema que tenga en un futuro no voy a dudar en llamarlo. Mi problema va sobre un préstamo personal y seguro medico.
Antonio Morillas Peña
Antonio Morillas Peña
2024-01-31
De momento la conversación telefónica genial, la persona que me atendió muy educada y sabe donde pisa, haber si reúno toda la documentación y se la envío haber si tenemos suerte. Gracias Miguel.

Frequently asked questions

Send us an email to jurisleg@arcos.com attaching your mortgage deeds and write your name and telephone number in the subject line.

Si lo prefieres, puedes mandarnos un whatsapp o llamarnos y te informaremos con más detalle. 

First of all, you should go to the Bank of Spain website.

Then look to see if the interest on your card exceeds the Bank of Spain’s interest rate by 6 points for that year.

The easiest way is to contact us and we will check it for free.

It will depend on whether you signed the mortgage before or after 2019.

If you signed it before 2019, you lose the bonuses. However, you may be worth losing them for the savings on the policy.

Si la firmaste después del 2019, te la deben mantener. 

It is something that is out of our hands, as it does not depend on us.

It will depend 100% on the court, so we cannot set a date.