According to the Supreme Court decision, the consumer will be able to claim the expenses paid and declared to the bank to formalize the mortgage loan. “malicious” and “empty”. OCU, for its part, expands the possibility of charging opening fees charged by banks without explaining to the client the reasons and economic consequences of this fee.
The expenses referred to both in the above-mentioned decision and in the consumer organisation, notary, record, to manage And evaluation, Considering what the Court of Justice of the European Union has said on this matter, there are doubts about who will be responsible for bearing the Documented Legal Transactions Tax (IAJD).
So that all people They made it official housing loan Buying a house before 2019 Despite this right, he may claim these expenses. Has an expiration date: Expires January 23, 2024On this date, 5 years will have passed since the Supreme Court declared the provision to be abused. According to the Civil Code, you have five years to request a refund of mortgage costs, but there are doubts whether January 23 this year will be the deadline to get the money back, which according to different calculations is around a thousand euros. .
Requesting reimbursement of these expenses The first thing you need to do is to request this from the claims service of the institution where the letter of credit was signed and file a complaint. If there was no positive response from the management, we would go to the complaints service of the Bank of Spain. If the previous two steps had failed, the client would still have the possibility of going to court. You can follow this path on your own or with the help provided by OCU or directly from a professional.