Banking law in Malaga
Unfair terms and mortgage foreclosures
Currently, consumer and user rights in banking services are at the centre of all measures and are the subject of claims in all areas.
Claims against unfair terms such as floor clauses, interest on arrears, bank charges, IRPH (Index of Reference of Mortgage Loans), early termination, as well as unfair bank charges are an essential tool when it comes to defending the interests of the client and user of the banking services.
Furthermore, in the case of a default on a mortgage payment, there are alternatives to achieve the best result in the process of foreclosure, minimising the risks and the losses for the client.
A lawyer specialised in unfair claims and mortgage foreclosures.
Areas of specialty:
Claims against unfair terms
Defending users and customers of banking services against unfair terms such as floor clauses, interest on arrears, bank charges, IRPH and early termination.
Revolving credit cards
Claims against annulment of contacts for revolving cards and recovery of charges against the client.
Mortgage Foreclosures
Comprehensive advice to the client on foreclosure procedures in order to avoid the foreclosure of the property and minimise the risks and losses for the client.
Second Chance Law (Ley de la Segunda Oportunidad)
A procedure that allows, if the requirements are met, the exoneration of the client’s debts or the establishment of a payment plan with the possibility of partial debt relief.
Code of Good Practice
Most banking entities are subject to following this regulation, which allows the consumer facing difficulties paying their mortgage to be granted flexibility or deferrals, as well as the option of turning over the property to cancel out the debt.
Purchase and sale of debt and credits
Advice to individuals and companies in all types of debt purchase or credit transfer operations, either as a creditor or lender, or as a debtor or borrower.
A lawyer specialised in unfair claims
Pablo Pastor Villalobos
I have a wide range of experience in banking legal matters, having acted in defence of customers of banking services in a range of procedures.
I have gained years of experience and training in the sector, which allow me to bring solutions and the appropriate tools to my clients to resolve any issues that arise in their relationship with bank entities.
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