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Mortgages tied to the Mortgage Loan Reference Index (IRPH) have placed a crushing financial burden on thousands of banking credit consumers across Spain. If your monthly payment has never gone down, despite the historic drops in Euribor, you are the victim of an opaque clause. As your IRPH attorneys in Málaga, Orozco y Asociados pursues the judicial claim to demonstrate the lack of transparency in the marketing of your mortgage. Our law firm litigates against banks to annul this index, demand the restitution of all amounts overpaid, and restore the financial peace of mind that has been taken from you.
The IRPH index is an official benchmark used by financial institutions that, due to its calculation method, has always been significantly higher than Euribor. The legal problem does not lie in the existence of the index itself, but in its opaque inclusion in mortgage contracts.
The Court of Justice of the European Union (CJEU) has ruled that Spanish judges must assess whether a lack of transparency existed in the marketing of these products. In other words, banks must demonstrate that they provided clear and comprehensible information about how this index would affect mortgage payments in the future. If the client was not adequately informed, the IRPH clause is void for being abusive.
If you hold a mortgage deed tied to this index, our attorneys structure the claims process in two phases:
The inclusion of the IRPH index rarely comes alone. Banks routinely packed mortgage deeds with multiple abusive clauses. At our law firm, we conduct a comprehensive audit of your documentation.
If you need to claim the floor clause (or if a floor clause and IRPH occur simultaneously), as well as mortgage formation costs (notary, land registry, valuation fees) or the arrangement fee, a specialist attorney from our team will consolidate all legal actions to maximize your compensation.
As the leading attorneys in Málaga, we extend our services across the entire Costa del Sol and province, with successful cases in Málaga city, Benalmádena, Torremolinos, Fuengirola, Mijas, Vélez-Málaga, Totalán, and Moclinejo.
A banking problem of this magnitude often destabilizes other areas of your personal or professional life. For this reason, our law firm operates as a cross-disciplinary practice. If financial strain has led to business difficulties, we apply the second chance law.
Our clients will also find in us specialists in civil law, real estate law, criminal law, and employment law. If the conflict affects your personal life, we resolve disputes over property in divorces, inheritance distributions, or claims arising from traffic accidents.
For any questions or concerns, contact us and request your initial viability consultation. Do not delay in putting a stop to banking abuse; the testimonials of clients who have already trusted us speak to the commitment and personal attention our firm provides.
Put your mortgage in the hands of justice. Contact Orozco y Asociados.