Cláusula suelo
#1
Forum Regular
Thread Starter
Joined: Mar 2003
Posts: 114
Cláusula suelo
I want to make a claim as we are sure we have the floor clause on our mortgage, something we were never told about when we took out the mortgage. Would this be something a gestor could do or does it definitely need a lawyer. Has anyone on here done this and were you successful.
#2
Re: Cláusula suelo
I want to make a claim as we are sure we have the floor clause on our mortgage, something we were never told about when we took out the mortgage. Would this be something a gestor could do or does it definitely need a lawyer. Has anyone on here done this and were you successful.
Not affected by this but researched it as it links to the other issue now growing in importance - payment of the banks' fees during the purchase process . Typically about €3,000 of procedurial expenses of buying and selling when a mortgage is involved are generated at the request of the bank not the buyer.
#3
BE Forum Addict
Joined: Aug 2009
Location: Costa Blanca
Posts: 3,142
Re: Cláusula suelo
Many solicitors now offering this service and they have the expertise. For example
Mortgage clauses declared abusive
Mortgage clauses declared abusive
#4
Just Joined
Joined: Dec 2018
Posts: 1
Re: Cláusula suelo
I want to make a claim as we are sure we have the floor clause on our mortgage, something we were never told about when we took out the mortgage. Would this be something a gestor could do or does it definitely need a lawyer. Has anyone on here done this and were you successful.
www.kalkureka.com/floor-clause-calculator/
#5
Re: Cláusula suelo
Depends on which bank you are with. We had been claiming ourselves since about 2013 at Sabadell. However after the ECJ DECISIONS they capitulated and after starting afresh with new forms in accordance wth BOS requirements. They repaid us back to the start of the mortgage first crossing from below to above the floor rate many thousands. No cost and relatively simple to do. We are with Sabadell.