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Mortgages referenced 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, at Orozco y Asociados we pursue judicial claims to prove the lack of transparency in the marketing of your mortgage. Our law firm litigates against banks to nullify this index, demand 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 set well above 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 analyze whether there was a lack of transparency in the marketing process. In other words, banks must demonstrate that they provided clear and comprehensible information about how this index would affect their customers' mortgage payments in the future. If the client was not adequately informed, the IRPH clause is void as an unfair term.
If you hold a mortgage deed referenced to this index, our attorneys structure a two-phase claims process:
The inclusion of the IRPH index rarely comes alone. Banks used to fill mortgage deeds with multiple unfair 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 are present simultaneously), as well as mortgage arrangement costs (notary, land registry, appraisal) or the origination fee, an expert attorney from our team will consolidate all legal actions to maximize your compensation.
As the leading attorneys in Málaga, we extend our services throughout the Costa del Sol and the 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 firm operates as a cross-disciplinary practice. If financial strain has led to business difficulties, we apply the second chance insolvency 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 sphere, we resolve disputes over property in divorces, estate distributions in inheritance proceedings, 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 abuses; the testimonials of those affected who have already trusted us speak to the dedication and personal attention our firm provides.
Put your mortgage in the hands of justice. Contact Orozco y Asociados.