After singing our offer of Services and sent us the photos of your passport ID card in order to generate the Apud Act, you don't have to do anything else. We take care of the claim and keep you informed of any changes that occur during the process.

Our priority is that you win and help you defend your rights.

That's why we only charge a % when and if you win the claim and recuparate your money.

You don't have to pay anything upfront, we will initiate your claim for free.

It means that the term has no legal effect whatsoever, as if it had never existed or happened. It must be declared by the court or tribunal. For example, in the floor clause case that is the reason why if the term is declared void you will obtain the right to receive your money back.

Any judicial procedure implies a series of expenses for both plaintiff and defendant as they must hire the services of a solicitor. For this reason, the court usually determines that the person who loses the trial must pay some or all of the other parties' costs. This discourage people from going to trial without any basis or, for example, to do so only to delay a payment. However, sometimes the court may not impose on the loser the costs if he considers that the case presented reasonable doubts.

It will depend on your case and, above all, on the state of the courts. Many courts have become saturated due to lack of resources or the large number of cases to be dealt with, so the processes can be dilated without us being able to estimate an exact resolution date. However, you should remember that justice may be slow, but it is inevitable. Be patient and breathe quietly, we will keep you informed throughout the process. Remember that you can always ask us to study your case to see if you can get an advance on your compensation and start enjoying some of your money right away.

A floor clause is one of the many terms that were introduced in a multitude of mortgage loan contracts by which the interest is fixed at a minimun percent. Even though the sum between the reference index at that time (for example, Euribor) and the differential would result in a minor interest rate than the one set according to the floor clause, the customer could not benefit from the descents of the interest rate.

The thing about floor clauses is not so much its content, but the way in which they were incorporated into the contract. By not properly reporting to the customer of their existence and their implications when hiring the mortgage, these clauses did not often pass the control of transparency. When a clause does not pass that control of transparency the court will consider it unfair and therefore void, being claimable.

If you have or have had a variable rate mortgage whose quota has barely varied since 2008, you are very likely to have a floor clause. You can find it in the deed of your mortgage loan, usually under the denomination of "limits to the variability of interest" or in sections related to the variable interest rate. Remember that you can upload your writing through our form without commitment to confirm whether or not you have floor clause.

Yes, if you have a floor clause you can (and should) claim to get paid back more and reduce your mortgage quota.

No, we can't guarantee you a 100% chance of success. What we can tell you is that, despite the fact that no claim can have a 100% success rate, the floor clause claims are accepted in a very high percentage and, unless your case is very specific, we will very likely win your claim. Anyway, remember that we operate under a "no win, no fee" policy so, in the remote case that we lost, you would not pay for our fees.

It depends on whether the Court consider whether the term has passed or no the transparency control. If the Court considers that it didn't passed it, the clause will be declared unfair and therefore void, which means you'll get your money back. According to the Supreme Court, the clause does not pass transparency control when:

1. There is insufficient information about the importance of the term as it's a defining element of the contract.
2. There are also "ceiling clauses" to give an image of reciprocity in the contract that is not such, since the interest rate would never reach the maximums that the bank fixed.
3. The client does not receive simulations from different scenarios to check the consequences of having a floor clause
4. There is no prior and clear information about the different loan modalities
5. Terms are located between an overwhelming amount of data that masks them

Yes, if the floor clause is void, the agreement has no effects. The Supreme Court has confirmed that there are no limitations in this regard. Any consumer with floor clause can claim their money, even if they have signed an agreement with the bank. In the same way, if you tried the extrajudicial procedure and you are not satisfied with the offer that they have made or they have refused the refund of your money, you can always go through the courts to recover your money.

No, it is entirely voluntary, although you should know that in this procedure is the bank who decides if he refunds or not your money and what amount. You can always go through the courts, it will be more fair and secure for you.

It depends on your case, but the average compensation in the floor clause claims is at €8,000 per affected.

You just have to fill in the form with the information that we will ask you. There will be a point where you must enclose the following documentation:

1. Deed of the mortgage loan
2. Your last receipt of the mortgage
3. Any correspondence you have had with the bank related to this matter
4. The certificate of appraisal of the property

Had they hired their mortgage in euros with Euribor customers would have paid much less than they have paid. Both the Supreme Court and the Court of Justice of the European Union have confirmed that multicurrency mortgages must be transformed into mortgages in euros if they do not pass the transparency control because, as we said, clients were not informed of the risks associated with a mortgage in foreign currency referenced to the Libor.

If you have a mortgage granted in foreign currency, the monthly payments of your mortgage vary depending on the exchange rate respect to the contracted currency at that moment. As a result, the total amount of your debt will also vary. During the latest years, this has resulted in substantial increases due to unfavorable exchange rates. Therefore, the main risk of this type of financial product is that the total debt increases exponentially when the foreign currency price increases. As a result, the debt you have with the bank as time passes is much higher than the original one.

Yes, you can (and you should). If your bank did not inform you in a clear and understandable way about the risks and consequences of this type of loan, it is possible to claim your multi-currency mortgage.

First you should check if your case is viable. We can do that for you. We will review your documentation for free and we will calculate the amount of money you can claim to the bank. Once we confirm that the case is viable, we will claim your mortgage to be converted to euros. We will also claim the amounts they have charged you in excess while the mortgage has been in effect. There is the possibility that your bank will offer you an agreement, however, we recommend you not to sign any type of document without first consulting with us.

No, we can't guarantee you a 100% chance of success. What we can tell you is that, despite the fact that no claim can have a 100% success rate, multi-currency claims are accepted in a very high percentage and, unless your case is very specific, we are very likely to win your claim. Anyway, remember that we operate under a policy "no win, no fee" so, in the remote case that we lost, you would not pay our fees.

The part of the contract relating to foreign currency will be void, transforming the loan to euros with the Euribor as a reference index to determine the interest rate. This means that, on the one hand, you will pay less in your mortgage quota and, on the other, you will recover the amounts paid in excess.

You just have to fill in the form with the information that we will ask you. There will be a point where you must enclose the following documentation:

1. Personalized Information Sheet of the product(FIPER in spanish)
2. The binding offer
3. Advertising pamphlets that the bank gave you

Banks forced the consumer to pay for the mortgage's incorporation expenses, assuming a considerable extra outlay. However, the Supreme Court has considered that, since the bank is the main interested in registering the mortgage loan deed, it must be the bank the one assuming those expenses and not the consumer.

If you have a mortgage, then you likely have paid for the mortgage incorporation expenses. Mortgage incorporation expenses were introduced in almost every mortgage loan.

Yes, you can (and should) claim as long as it hasn't passed more than 4 years since you finished paying your mortgage. The expenses you will be able to claim are:

1. Tax on documented legal acts
2. Management fees
3. Notary fees
4. Registration fees
5. Housing appraisal costs
6. Bank comissions

If we win your claim, the bank must return you the mortgage incorporation expenses to which we referred in the previous question (including the amount corresponding to the tax of documented legal acts), all added to the legal interest of your money to count from the moment you made the payment of these amounts.

No, we can't guarantee you a 100% chance of success. What we can tell you is that, despite the fact that no claim can have a 100% success rate, mortgage incorporation expenses claims are accepted in a very high percentage and, unless your case is very specific, we are very likely to win your claim. Anyway, remember that we operate under a policy "no win, no fee" so, in the remote case that we lost, you would not pay our fees.

You just have to fill in the form with the information that we will ask you. There will be a point where you must enclose the following documentation:

1. Mortgage deed
2. Amortization table of your loan
3. Invoice of the property registration
4. Invoice of the notary
5. Invoice of the management company
6. Invoice of the tax of documented legal acts

While it is true that investing in stocks entails several risks (including losing all the money invested), Banco Popular provided false information to its shareholders. Banco Popular claimed that the entity was in a financial situation that differed from reality. Thus, the shareholders could not foresee a scenario as drastic as the total loss of their investment in a matter of seconds.

If you acquired your shares during the capital increase made in May 2016 or before April 10, 2017, you can claim and render the acquisition void to recover the money invested plus its corresponding legal interests.

The information provided by Banco Popular during the capital increase of May 2016 did not match to the reality of the entity financial situation. In short words, the accounts they presented were incorrect. Thus, the shareholder who invested in Banco Popular did so considering a supposed financial situation that was not such, making an investment based on unreal information.

If we win your claim, the bank must return you all the money invested plus its corresponding legal interests to count from the moment you made the payment.

No, we can't guarantee you a 100% chance of success. What we can tell you is that, despite the fact that no claim can have a 100% success rate, Banco Popular recognized in April 2017 that there were discrepancies between the accounts published in May 2016 during the capital increase and the real situation of the bank, so we are very likely to win your claim. Anyway, remember that we operate under a policy "no win, no fee" so, in the remote case that we lost, you would not pay our fees

You can claim until June 2019, so we recommend you to start your claim as soon as possible.

You just have to fill in the form with the information that we will ask you. There will be a point where you must enclose the following documentation:

1. Stock purchase order
2. Securities account contract
3. Securities account statement
4. Proof of the exchange to €0 in June 2017
5. Proof of the sale (if any)
6. Prior claim made (if any)

If you have signed convertible bonds into shares, you must also send the following documents in addition to the foregoing:

1. Purchase order for the bonds
2. Contract for the provision of services
3. Informative pamphlets they gave you
4. Convenience or suitability test
5. Document that reflects the exchange of bonds for stock

Once you have uploaded and signed the documentation required, our legal experts will assess the case thoroughly and request for a power of attorney from you, the client. From then on, we will deal with everything for you whilst updating you on the way at frequent intervals.

Most cases take from 12-24 months to complete. However, depending on the case, type of documentation you have, the Court’s backlog and other variables, some cases could take a bit longer. A usual claim will develop as follows:
1. We obtain the necessary documentation from you and we formalise an extrajudicial complaint.
2. In most cases, we need to confirm your payments to the developer currently under insolvency proceedings. This process is the slowest but it is a necessary step to ensure the success of your claim.
3. Once confirmed, we contact the bank to pay, negotiate or get a settlement.
4. If the bank doesn’t reply or their response is not satisfactory, we will file the lawsuit and start the judicial process.
5. Once the lawsuit has been filed, the matter is officially in the Court’s system (quite lengthy sometimes) and will follow the judicial procedure. We will keep you posted with our monthly progress report.
Please be aware that should you not be able to provide us with a copy or the original contract signed with developer and proof of having paid the amounts from your account to the specific account held by the developer, we could try to request this documentation on your behalf before filing the lawsuit. In these cases, your claim could be delayed as we won’t be able to start the claim until we get those documents.

The basis for the claim for a refund of a deposit for an off-plan property in Spain has been established by a series of Spanish Supreme Court cases, the latest of these was December 2015, which established the following:

• A developer is legally required to provide a Bank Guarantee to the buyer where the property is not yet finished and where no Licence of First Occupation (LFO) has been obtained.
• The full amount of money paid prior to completion of the Spanish Property is guaranteed, not just the amount set out in the guarantee, even if this right appears to have been waived by the buyer.
• It is the developer’s obligation (not the buyer’s) to ensure that deposited funds are placed in a special account. The fact that the developer did not do this does not affect the buyer’s rights to a refund of deposits paid.
• Even if the developer did not comply with their legal obligation to give the buyer a bank guarantee, the bank with whom the funds were held is still jointly responsible for refunding this money to the buyer because the bank has a duty to ensure that the developer complied with its legal obligations.
• The bank (or insurer who issued the guarantee) are jointly and severally liable which means that the buyer can sue the bank or the insurance company without having to first sue the developer.
• The banks can be sued regardless of whether there was a bank guarantee in place or not.

Even though no claim can have a 100% success rate, Off-Plan Property claims are accepted in a very high percentage and, unless your case is very peculiar, we are very likely to win your claim. Anyway, remember that we operate under a "no win, no fee" policy, so, in the remote case that we get an unsuccessful outcome, you would not have to pay for our services.

If you have lost money when buying off plan property in Spain, Legalbono can help you.

You just have to upload the documentation required and we will arrange a free assessment of your claim with no obligation, to see if you are eligible to get the refund of the money you have lost in relation to your Spanish property deposits.

You can only claim for a refund once, so we advise you to choose Legalbono to get your money back. We have been handling this kind of cases since 2006 with a 99.9% success rate.

All consumers can institute a claim against the bank on the context of a breach of agreement considering that money was paid for a house and it was not delivered within the expected timeframe.

You can’t get the property you invested in but if we win the claim, the bank must return you ALL the money you paid in advance.

If you start your property deposit claim as soon as possible and the documentation that supports the amounts advanced and contract are provided, the chances of recovering the money are very high.

The banks are responsible for any irregularity committed by a third party in many cases. If for any reason, a developer is faced with conflicting costs should naturally constitute an endorsement of a solvent entity to support any delay in construction. By failing to do so, he has left you, the helpless consumer, unable to recover that money. Thankfully, your chances of recovering your lost funds are high because a bank is jointly responsible for a foreign business.

The statute of limitations for this claim is fixed at 15 years if you entered into the contract before October 2015, being October 2020 the ultimate deadline for issuing a claim. It is 2 years counting from the date the developer breached the contract if you signed the contract after January 2016 and a bank guarantee has been provided.

The minimum documentation we need to start your claim and get your money is the following:

• Contracts signed with the Developer .
• Proof of all payments.

A timeshare (also known as holiday home sharing or vacation ownership) contract have been sold in Spain for decades and gives you the right to enjoy a property for tourism purposes in a specific resort for a certain period in exchange for a price. Despite being presented as an ownership, the truth is that the property is not acquired. The client only acquires the right to enjoy it during a certain time. This concept allows several people the right to enjoy the same property on different dates, thereby reducing the costs for all parties.

The client must pay the price for the right of use, in addition to an annual fee, for maintenance of the property which will vary depending on the case.

Several companies inform potential clients of a strong and active second-hand market if they decided to ‘sell’ their timeshare contract in the future as a ploy to make sales. However, the reality is that selling it is near impossible.

Yes. The Spanish Supreme Court has ruled that the following terms in timeshare contracts are illegal; therefore, making it null and void:

• Floating weeks (including holiday club schemes).
• Contracts signed in perpetuity (all timeshare contracts have to last between three and 50 years since 1998).
• Deposits or payments taken within 14 days of signing (extended to three months if there are any other illegal points in the contract). You can get double the sum of that payment or deposit back in compensation.

If your case fits one of these situations, then you are entitled to claim and exit your timeshare contract.

Even though no claim can have a 100% success rate, timeshare claims are accepted in a very high percentage and, unless your case is very specific, we are very likely to win your claim. Anyway, remember that we operate under a "no win, no fee policy" so, in the remote case that we lost, you would not have to pay our fees.

The statute of limitations for this claim is fixed at 15 years if you entered into the contract before October 2015, being October 2020 the ultimate deadline for issuing a claim or at 5 years if you signed the contract after October 2015.

For this claim, time runs against us and it is highly recommended that you start your timeshare claim as soon as possible.

To prevent delaying the transfer of your compensation, we will send you the statement of accounts as soon as we are informed that the claim has been estimated by the court and payment has been ordered provisionally or definitively to the opposite party.

It is common for the opposite party to try to make the payment into your account directly. In this case it is very important that you notify us as soon as possible for two reasons that could directly harm you.

Firstly, in the vast majority of cases, lo quitaré the amount paid directly into the customer's account may be incorrect and significantly less than the amount that you are entitled to according to the judgment. On the other hand, if we do not receive the payment notification from you, we will go ahead with the execution of the sentence requesting 100% of the amounts that we understand to be correctly settled. In that case you can end up being sentenced to costs for trying to execute a sentence without taking into account that you have already been paid part of the compensation, that is, without taking into account the amount you have received in your account and we did not know about it. The lack of communication between the client and his lawyer is not something that can be blamed on the other party and can cause you serious damage.

The time it takes for you to receive the money in your bank account will depend on the type of claim and the court resolving your case.

According to our calculations based on previous cases, from the time you sign the statement until you can enjoy your money, it takes approximately 3 months, but remember that this is an estimate and depends on factors beyond our control.

The signature of this document is digital in order to speed up the process and ensure maximum convenience for you. This final step can be completed from any device connected to the Internet, completely online and in a matter of seconds.

It is very important for you to know that you are legally obliged to attend the trial and, furthermore, not attending the trial in an unjustified manner would be a breach of our contract.

If you believe that you cannot attend the trial for reasons of force majeure, you must inform us as soon as possible and send us the appropriate documents.

Even in exceptional and justified situations we cannot guarantee the suspension of the trial and the setting of a new date by the Court, which could mean that the judge will not consider our claim.

On the day of the trial you only need to carry your original valid identity card: ID card or passport.

Currently, due to the health crisis that the country is going through, it is required to wear a mask as a prevention and safety measure.

You will receive questions from the opposing lawyer and also from us, to record all the details claimed.

As soon as we know the trial date and a few days before it takes place, we will send you your answers to the questions that you have already answered in our online form and that we have already used to qualify your case as viable.

If you do not know the answer to the question you are asked, you can answer that you do not know or do not remember. In your own interest, we recommend that as far as possible your answers are as concise as possible and adjusted to the question asked.

Do not worry, your lawyer will be waiting for you 30 minutes before the time of the trial at the door of the Court to guide you and help you solve all the doubts you may have about the procedure.

The trial can last about an hour, but your statement will probably not last more than 10 minutes.

If due to serious illness, force majeure or reasons related to the health crisis you cannot travel on the date of the trial you must notify us in writing as far in advance as possible so that we can request that your trial be held telematically or ultimately suspended.

If finally your trial cannot be held in person due to force majeure and the judge agreed to hold it telematically, you will only have to have an Internet connection.

The trial will be transmitted by means of a videoconference through a platform enabled by the Court.

To start the video conference of the trial you will need to follow a series of steps that we will send you in advance.

Any citizen is obliged to attend the summons. Not attending the trial unjustifiably will result in a fine and even be considered a crime against the Administration of Justice. In addition, the Court will be obliged to consider the party that does not appear at the trial as confessing to all the facts that harm him/her. This means that it is very likely that an unjustified non-appearance will end up causing the lawsuit to be dismissed and the costs of the proceedings to be imposed on you, that is, the lawyer's, procurator's and other expenses incurred by the defendant in defending himself.

In addition to the above, you must take into account that you have committed by contract with us to provide true and complete information, as well as to collaborate in everything necessary for the success of the claim. Our conditions specifically state that failure to attend the questioning in an unjustified manner is considered a fundamental breach of the contract between us.

This in turn may entail additional liability for you, for any damages you may have caused us due to your breach. When we take action on your claim, we advance significant financial resources based on this commitment on your part. Otherwise, it would not be possible to offer you this claim service completely successfully and without asking you for any kind of advance payment. Any citizen is obliged to attend the summons. Not attending the trial unjustifiably will result in a fine and even be considered a crime against the Administration of Justice. In addition, the Court will be obliged to consider the party that does not appear at the trial as confessing to all the facts that harm him/her. This means that it is very likely that an unjustified non-appearance will end up causing the lawsuit to be dismissed and the costs of the proceedings to be imposed on you, that is, the lawyer's, procurator's and other expenses incurred by the defendant in defending himself.

In addition to the above, you must take into account that you have committed by contract with us to provide true and complete information, as well as to collaborate in everything necessary for the success of the claim. Our conditions specifically state that failure to attend the questioning in an unjustified manner is considered a fundamental breach of the contract between us.

This in turn may entail additional liability for you, for any damages you may have caused us due to your breach. When we take action on your claim, we advance significant financial resources based on this commitment on your part. Otherwise, it would not be possible to offer you this claim service completely successfully and without asking you for any kind of advance payment.

Yes, it is completely normal and a sign that the algorithm is working correctly.
Like the navigation system in your smartphone or car that calculates an Estimated Time of Arrival (ETA) to your destination, our algorithm considers a multitude of factors to provide you with an Estimated Date of Completion of the claim.
In a navigation system, the initial estimate considers factors such as the route, kilometres to destination, average speed on each road and even the density of the traffic if they are sophisticated enough.
However, you may be halfway of the journey and it is normal to find that these factors are slighltly different than originally estimated and therefore resulting in an updated Estimated Time of Arrival (your speed may be faster or slower than originally estimated, the traffic density higher or lower than estimated, etc...).
The Estimated Time of Arrival changes as frequently as these factors change. Our algorithm that calculates the Estimated Date of Completion works in a similar way.
As in a navigation system, the closer we get to the destination, the more precise and reliable the estimate becomes as the margin for these factors to change narrows down.
In other words, the closer we are to the Estimated Date of Completion of your claim, the more precise and reliable the forecast will become.


Please note that in any case the date is a mere automated estimate that is calculated based on multipole factors, which may not develop as expected. Thus, we do not recommend that you make any plans fully relying on these estimates, and we disclaim any type of responsibility otherwise.