Banking Law Lawyers in Murcia
Unfair clauses, mortgage claims and revolving credit cards
We are experts in banking law in Murcia. We claim for floor clauses, abusive mortgage expenses, revolving credit cards with usurious interest rates, complex financial products (preferred shares, swaps), and any type of banking abuse. We defend consumer rights against financial institutions with a high success rate.
Revolving credit card claims
Revolving credit cards (Wizink, Citibank, Cetelem, Cofidis, among others) apply interest rates that in many cases exceed the usury threshold established by the Supreme Court. If you have or had a revolving card, you can likely recover all overpaid interest. Our firm has handled hundreds of claims with a success rate above 95%.
Mortgage expenses and unfair clauses
Following Supreme Court and CJEU rulings, thousands of consumers can claim refund of unduly charged mortgage expenses: management, registry, notary, valuation and stamp duty. We also claim for floor clauses, early termination, abusive default interest and opening commissions.
Toxic financial products
If you invested in preferred shares, subordinated bonds, structured bonds or swaps without receiving adequate information, you can claim contract nullity and refund of your investment.
How we work: our process
Free study of your banking documentation
Calculation of amounts to claim
Prior claim to the bank's customer service
Lawsuit if the bank refuses to refund
Trial and favorable judgment
Collection of claimed amounts plus legal interest
Why choose García-Valcárcel & Cáceres?
Frequently asked questions about banking law
Can I claim for my revolving credit card?
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Yes, if your revolving card applies an APR above 20%, the interest is very likely to be declared usurious and you can recover everything overpaid. Even if you already cancelled it.
What mortgage expenses can I recover?
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You can claim management fees, property registry, notary, valuation and in some regions part of stamp duty. Average recovery is between €1,500 and €4,000.
Is there a deadline for banking claims?
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Claims for unfair clauses do not expire according to EU case law. Revolving cards have a 5-year period from the last settlement. Contact us to evaluate your specific case.
How long does a banking claim take?
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The extrajudicial claim to the bank usually takes 1-3 months. If court proceedings are needed, the process can extend between 6 and 18 months.
Need a banking law lawyer in Murcia?
At García-Valcárcel & Cáceres we offer a free initial consultation to evaluate your case. With over 75 years of experience, our team will provide you with the legal advice you need.
Contact us
Tell us about your case with no obligation. We respond within 24 hours.