To the people who signed a mortgage to buy a home with BBVA They are interested in reviewing the expenses they assumed when establishing it, and the entity, like many other Spanish banks, improperly charged their clients for expenses that are considered abusive and can now be claimed back. Returns after the claim range between 1500 euros and 3,000 euros, But to do this it will be necessary to confirm that said expenses have actually been paid and take into account certain considerations before claiming.
The first thing to keep in mind is that those affected were the mortgages signed before June 2019since from this date, the Real Estate Credit Law in which it was regulated that said expenses were the responsibility of the bank to assume.
Therefore, if you have a mortgage signed with BBVA before said date, you will have to check if these expenses were assumed, in order to claim them. Even if it is a mortgage signed 20 years ago, they could be claimed, since according to a ruling by the Court of Justice of the European Union (CJEU) There is no deadline to do so.
What mortgage expenses can be claimed from BBVA
According to several rulings from both the Supreme Court and the CJEU, Banks must reimburse their clients for the following expenses:
- 100% Property Registry expenses
- 100% management expenses
- 100% opening commission
- 100% appraisal
- 50% notary fees
How to claim mortgage expenses from BBVA
Once it has been proven that these abusive expenses have been charged, in order to make a claim to BBVA it will be necessary to have the documents that prove that said payments have been made, such as an invoice or some supporting document. In addition to this, it will be necessary to have the mortgage deed and a copy of the DNI of the mortgaged parties.
Once all the documentation has been collected, the r will have to be submitted.complaint to BBVA customer service what can be done
- Through the client area of the website or application.
- In any office of the entity.
After filing the claim, The bank will have 2 months to give a response, In the event that the claim is not received, it will be understood as denied and we will have to start a judicial process for which it is recommended to put yourself in the hands of a lawyer.
2024-02-21 14:51:33
#claim #mortgage #expenses #BBVA
