What is included
- Analysis of the deed and the amortisation schedule
- Calculation of the claimable amount with interest
- Claim to the bank’s complaints service and to the central bank
Recovering what the bank overcharged you
We review the deed and the contract and claim set-up costs, fees, default interest and floor or multi-currency clauses.
Banking: unfair terms and mortgage costs
What is included and what is not promised
What can be recovered depends on what you signed and when, not on what the adverts say. Reading the deed before claiming avoids starting a case that was lost from the outset.
What it includes: analysis of the deed and the amortisation schedule; calculation of the claimable amount with interest; claim to the bank’s complaints service and to the central bank. What it does not include: we cannot guarantee a refund: it depends on the specific clause, the date and the case law applicable at the time.
Documents you will need
- Full mortgage loan deed.
- Invoices from notary, agency, registry and valuation.
- Amortisation schedule and receipts.
Indicative timing
We answer your enquiry within 1 working day and send the written quote within 2 working days.
Once your documents are complete, we prepare the file between 3 and 8 working days.
The bank has a statutory response deadline; if refused, the central bank complaint or the court route adds months.
See the pricing page for how we charge this kind of matter.
How it works
Estimated duration: 8 days.
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We read the documents
We read the deed and the repayment schedule and tell you which clauses can be claimed and how much they add up to with interest.
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Written demand
We ask for the loan deed, the notary, registry, agency and valuation invoices, and the receipts. Agreed price for the claim.
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Negotiation
We claim in writing from the bank's customer service department with a detailed calculation of what you are owed.
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Agreement or next route
If the bank does not reply or refuses, we complain to the Bank of Spain and explain which court route remains and how it is charged.
What to have at hand
- Full mortgage loan deed
- Invoices from notary, agency, registry and valuation
- Amortisation schedule and receipts
Frequently asked questions
Which costs can be recovered?
It depends on the date and on how current case law splits them. We calculate with your invoices before claiming.
Is it time-barred?
How the limitation period runs in these cases has changed. We check against your deed.
Do I have to go to court?
Not always: many banks settle first. We start out of court.
Related services
People who come for “Banking: unfair terms and mortgage costs” often need one of these Out of court procedures too. If your case mixes several, it goes in a single file with a single quote.
Your case
Explain the dispute, who it is with and what documents prove it.
Request a quote
Tell us about your case and which documents you already have. We tell you what fits, what is missing and what it costs.