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ANALYSIS OF THE RULING OF THE COURT OF THE EUROPEAN JUSTICE OF 13TH JULY 2023, ON IRPH

The ruling of the Court of Justice of the European Union (CJEU) of 13 July 2023, has resolved a preliminary question raised by the 17th Court of First Instance of Palma de Mallorca, in a legal proceeding brought by two individuals against the entity Banco Santander, in relation to a claim for nullity for unfairness of the financial clause established in a mortgage loan, relating to the interest rate, the IRPH reference index.

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JUDICIAL CLAIMS

COMPLETE PROCESSING OF INHERITANCES AND WILLS CLAIMS FOR WAGES AND INDEMNITIES DEMANDS FOR SEPARATION, DIVORCE AND ALIMENTARY FINANCE RESOURCES, SOCIAL SECURITY CLAIMS TO BANKS, FOR

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CLAIMS TO BANKS

We examine your mortgage deed free of charge We charge when you charge Irph claims Claims for floor clause Claims for mortgage expenses Multi-currency mortgage

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CLAIM FOR BANK FRAUD

In our professional office, we can obtain for you, an extrajudicial or judicial declaration of civil liability of the bank, for bank fraud. By virtue of which you will be compensated for the damages, both economic and moral in your case, that you may have suffered as a result of having been a victim of bank fraud.

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NULLITY OF THE MORTGAGE EXPENSES

In our professional office, we can obtain for you the extrajudicial or judicial declaration of the nullity of the mortgage expenses of your mortgage loan, obtaining the refund of the amount of said expenses paid unduly, which can amount to thousands of euros, together with the legal interest accrued from the date of the undue payment of said monetary amount. We will now explain this matter.

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THE NULLITY OF A LOAN ORIGINATION FEE

In our professional office, we can obtain for you, the extrajudicial or judicial declaration of the nullity of the opening commission of your mortgage loan, obtaining the refund of the total amount of said commission, together with the legal interests accrued from the date of the undue payment of said monetary amount.