BANKING AND INSURANCE

ACC LEGAL ABOGADOS

Lawyers specializing in banking law in Murcia

If you believe that you have been a victim of banking or insurance malpractice, we offer you a prompt legal response to the bad practices that some entities have committed in recent times, identifying and analyzing their inclusion in your mortgage or other banking documents, with the in order to advise you on the existence of any abusive clause and the legal options to combat it, guaranteeing the best result, since there are many judicial claims for compensation that we have successfully carried out against banking entities throughout Spain.

In our office we have a team of lawyers specializing in banking law in Murcia with extensive experience and training (claims against banks, revolving cards, preferred and subordinated clauses, abusive clauses, claims against insurers, floor clause, Bankia shares, suspension of mortgage foreclosures...).

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BANKING LAWYERS MURCIA

DO YOU NEED LEGAL HELP WITH YOUR BANK OR INSURANCE COMPANY?

01. First visit free

With the aim that you can get to know us, tell us about your case and we can give you a budget adjusted to your needs, in our office. lawyers specializing in banking law in Murcia We offer you a free and no-obligation first visit.

02. Payment facilities

Ensure the best defense without making great financial efforts! In ACC Legal Abogados We offer you monthly payment facilities. Our services adapt to your budget.

03. Fast answer

We are committed to giving you a quick response in the assessment of your case. Your time is important to us.

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LAWYERS SPECIALIST IN BANKING LAW IN MURCIA

CUSTOMER OPINIONS

Since we began to practice as lawyers in Murcia We have helped many clients, defending their interests with determination and experience. Thanks to them, we have been able to grow as professionals and also as people. This is what they say about us.

     EXCELLENT evaluation  
 Based on 58 reviews 
    
  
 
       It is a wonderful service!!!
     
   Cristian DESPGT 
 06/09/2023
 
 
 
 
     The best lawyers in Murcia!!!
     
   Cristian Maqueda 
 06/09/2023
 
 
 
 
     The best lawyers in the Murcia region, professional and willing to do anything to solve your problems, thank you, I love you 🥰🥰🥰🥰
     
   Lamine Sagna 
 22/05/2023
 
 
 
 
     Excellent experience
     
   María Libertad Pérez García 
 09/05/2023
 
 
 
 
     Everything was great, true professionals and unbeatable treatment, thank you.
     
   Antonio Iniesta 
 05/05/2023
 
 
 
 
     Mª José has advised me in a serious and professional manner, explaining everything perfectly and without fireworks. We have won the claim I filed and I have been very satisfied with the entire process. Thank you so much.
     
   Angel González 
 26/04/2023
 
 
 
 
     Very efficient and very professional law firm, they do a good job.
     
   Victor Lopez 
 10/03/2023
 
 
 
 
     Very efficient and fast, thank you
     
   JResil 
 01/03/2023

Protect your rights and get the justice you deserve

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OUR TEAM

LAW FIRM SPECIALISTS IN BANKING LAW IN MURCIA

With the help of a team of highly trained professionals, in our office lawyers specializing in banking law in Murcia We assure you the highest level of care and experience. Meet our lawyers!

ALMUDENA CASCALES CAMPUZANO

LAWYER (FOUNDING PARTNER)

“The quality of the advice provided to the client is conditional on the lawyer continually updating his knowledge, through attendance at courses and conferences of different kinds. “Loyalty and respect for the client consists of carrying out a thorough study of their particular matter to offer them the best solution.”

Member number 5.532 of the Illustrious Bar Association of Murcia

Graduate in Law from the University of Murcia.
Master in International Law at the University of Liverpool.
Specialist in areas of civil and commercial law, as well as international law, providing legal assistance in English and Spanish.

MARÍA JOSÉ ROSIQUE CARRILERO

LAWYER (PARTNER OF THE FIRM)

“Each matter is unique and each client deserves to receive treatment that is different from the rest in order to adequately address their needs. “Professionalism, value and closeness to the client must govern every action carried out by the lawyer.”

Member number 7.682 of the Illustrious Bar Association of Murcia.

Graduated in Law from the University of Murcia.
Master's Degree in Law completed at the School of Legal Practice of Murcia.
Coordinator of the civil, criminal, social and administrative law departments.

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LAWYERS SPECIALIST IN BANKING LAW IN MURCIA

FREQUENTLY ASKED QUESTIONS ABOUT BANKING AND INSURANCE

In our law firm in Murcia capital we have provided legal advice and legal defense, on matters related to banking law, to many clients. These are some of the most frequently asked questions our team typically receives. lawyers specializing in banking law in Murcia.

What is the floor clause?

This is a clause within the mortgage loan deed that establishes the minimum interest to be paid in the monthly installments of the mortgage contracted even if the ordinary interest agreed upon (Euribor) with the financial institution is below.

Can I recover the money I paid to the developer for the construction of my home, if it was never built?

Yes, of course you can. Many home buyers are unaware that even if the home was not built, and the developer or construction company has disappeared, there is a possibility of recovering the money, since these amounts that you entered into the bank account of the developer or construction company for the purchase of the home are guaranteed under the 57 / 1968, and you will be able to recover it, contact us without obligation.

I am a cooperative member of a house that was never built and for which I paid amounts on account. However, I do not have collateral that guarantees the recovery of my money. Can I now recover the amounts I once contributed?

Yes, even if there is no guarantee, these amounts are guaranteed by Law 57/1968, and you will be able to recover them. We are a firm specializing in this matter with hundreds of cooperative members among our clients who have already recovered their money.

How can I know if my mortgage contains the floor clause?

The application of the clause appears in the deed of the mortgage loan and usually appears under headings with titles such as “limits to the application of variable interest”, “limit of variability” or “variable interest rate”. There are five or six lines in which it is established that the interest can never be lower, in the case of the floor, or higher, in the case of the ceiling, than a certain percentage.

Do I have the obligation to contract payment protection life insurance with the Bank with whom I am going to take out my mortgage?

If you are going to take out a mortgage loan with a Bank, it cannot force you to take out any type of insurance or policy, be it life insurance, pension plan, home insurance...

Surely, in the previous negotiations, the Bank staff told you that this connection is mandatory, however there is no Law that requires it, and therefore you can refuse.

If in the end you accept, otherwise they may not grant you the loan, what you can do is that when the time comes to renew it, not agree to said renewal, since you will not find any clause in your deed that requires you to renew it.

I cannot afford four installments of my mortgage loan and the Bank has decided to mature the loan early, is this legal?

Until now, it was enough for the debtor to stop paying a portion of his loan so that the entity could terminate it early and begin the execution procedure. However, after the ruling of the ECJ, the possibility of declaring this type of clauses abusive has been left open, since the early maturity must be in accordance with the duration of the loan, otherwise we can initiate a judicial procedure to declare the nullity of the clause. early expiration due to abuse.

ACC LEGAL ABOGADOS