QUIÉNES SOMOS
Bienvenido a Losana Abogados, tu despacho de confianza en Valencia. Somos expertos en derecho bancario y te ayudamos a defender tus derechos frente a los abusos de los bancos. Si tienes problemas con tu hipoteca, tu tarjeta de crédito, o cualquier otro producto financiero, no estás solo. Te ofrecemos un servicio personalizado, profesional y de calidad, para que puedas reclamar lo que te corresponde y solucionar tu situación.
QUÉ HACEMOS
Nuestras Soluciones
En Solana Abogados y te daremos una solución personalizada y eficaz a tu problema bancario
Elimina los intereses abusivos y recupera tu dinero
¡Recuperar mi dinero ahora!Recupera los intereses bancarios
PORQUÉ CONTRATARNOS
Garantizamos tus derechos financieros con eficacia y rapidez
- Te ayudamos a reclamar tus derechos. Nuestra experiencia nos ha enseñado cómo conseguir que te devuelvan los intereses excesivos que han cobrado.
- Ponemos a tu disposición servicios jurídicos especializados en: Tarjetas revolving, Gastos Hipotecarios y Defensa judicial antes bancos.
- Usamos los mejores métodos para que nuestros honorarios no sean un impedimento en recuperes tu dinero. ¡Nuestros honorarios los paga la entidad bancaria!
NUESTRO PROCESO DE TRABAJO
¿Cómo reclamamos tus derechos?
Recepción de documentos
Nos facilitas todos los datos que tengas sobre la tarjeta, como el contrato y/o los extractos que te haya enviado cada mes la entidad. Podemos hacer una reclamación, aunque no cuentes con todo.
Análisis de la situación
Cuando recibamos los documentos, te comunicaremos si la reclamación tiene posibilidades, y de ser así, de la cantidad que recuperarías.
Enviamos una solicitud
Con tu autorización, solicitamos a la entidad que te reembolse los intereses, gastos y comisiones que te ha aplicado. Les damos un plazo de 1 mes para que respondan, siguiendo la jurisprudencia existente.
Plazo de espera de un mes
Transcurrido un mes, si la entidad no ha dado respuesta, o si se ha negado a devolver lo solicitado, presentamos la demanda.
Trámite judicial
Para el trámite, nos tendrás que dar poder en el juzgado, lo cual puedes hacer por internet. El tiempo que dura el trámite judicial varía según el Juzgado, pero no suele ser muy prolongado.
Obtienes tu dinero
Una vez que el juzgado ha notificado la sentencia de tu proceso y es favorable. Cuando se ejecute la sentencia y tengamos tu indemnización, la ingresaremos en tu cuenta bancaria.
ASESORIA SIN COMPROMISO
¿Te gustaría reclamar lo que te pertenece y salir del endeudamiento?
Te ayudamos a reclamar la nulidad del contrato y la devolución de los intereses que te han cobrado de más. ¡Contacta con nosotros y te asesoraremos sin compromiso!
¡Contactar ahora!LO QUE DICEN NUESTROS CLIENTES
Testimonios
“ Recommended lawyer. Close, qualified, courteous and efficient. I would not hesitate to trust their work again. ”
“ An excellent management, a cordial treatment and an efficient resolution of my difficulties have left me very happy with everything they have done. ”
“ I received excellent guidance and I am very happy, a top professional. ”
CONSULTAS MÁS COMUNES
Preguntas Frecuentes
Revolving cards are credit cards that allow the holder to make purchases and defer payment, generating interest. Their main characteristic is payment flexibility, but this can also lead to accumulating a large amount of debt due to their high interest rates.
To find out if your card is revolving, you must review the contract you signed when applying for it and the monthly statements sent to you by the financial institution. If you notice that the interest rate is higher than 20%, that the monthly fee is fixed or very low, and that the repayment term extends indefinitely, it is very likely that your card is revolving.
If your card is revolving, you can claim the refund of the abusive interest you have overpaid. To do this, you must follow the following steps:
- Contact the financial institution that issued your card and submit a written claim, requesting the nullity of the contract due to usury and the refund of the overcharged interest.
- If the financial institution does not respond or rejects your claim, you can go to the Complaints Service of the Bank of Spain, providing all the documentation that proves your case.
- If the Bank of Spain does not rule in your favor either, you can file a lawsuit against the financial institution, with the advice of a lawyer specialized in this type of cases.
When claiming your revolving card, you can obtain the following benefits:
- The cancellation of the card contract, which means that you will stop paying interest and fees.
- The refund of the excess interest you have paid, which can be a considerable amount depending on the amount and time you have used the card.
- The elimination of any remaining debt with the financial institution, if the excess interest you have paid exceeds the capital they have lent you.
Mortgage expenses are the charges associated with the formalization of a mortgage loan. These may include notary fees, registration fees, management fees, appraisal fees, taxes, insurance, among others. They can be claimed because the Court of Justice of the European Union has declared that if the clause imposing them is null, the amount paid plus interest must be reimbursed.
- That the mortgage was signed before June 16, 2019, the effective date of the Law on Real Estate Credit Contracts, which regulates the distribution of expenses between the bank and the client.
- That the mortgage is not canceled or prescribed, that is, that more than five years have not passed since the last payment or the debt was settled.
- That the documentation proving the expenses paid, such as invoices, contracts, and deeds, is available.
- The notary invoice, which corresponds to the fee charged by the notary for certifying the mortgage loan contract.
- The registration invoice, which corresponds to the fee charged by the registrar for registering the mortgage in the Property Registry.
- The management invoice, which corresponds to the amount charged by the management company for processing the necessary documents to formalize the mortgage.
- The appraisal invoice, which corresponds to the amount charged by the appraisal company for valuing the mortgaged property.
- The tax on legal documents (IAJD), which corresponds to the tax paid for the public deed of the mortgage.
- Contact the bank that granted the mortgage and submit a written complaint, requesting the refund of the overpaid expenses.
- If the bank does not respond or rejects the claim, go to the Complaints Service of the Bank of Spain, providing all the documentation that supports the case.
- If the Bank of Spain also does not rule in favor, file a lawsuit against the bank, with the advice of a lawyer specialized in this type of cases.
