I do not understand a clause or charge
We review the banking agreement and transactions relating to the disputed amount.
For individuals
Banking law
Contract reviews and protection of your interests in disputes involving banks, loans and mortgages.
- Your situation comes firstWe start by listening.
- An agreed scopeClear terms before work begins.
- Step by stepUnderstand what comes next.
02Your starting point
Your situation.
Your next step.
Choose the situation closest to yours. We start by understanding what you need to resolve.
Enquiry about: Banking law
Your next step
Tell us what you need to resolve.
Start with a question and relevant dates. We will agree the scope and terms of support after understanding your situation.
04
What we can assess together
Your situation.
A considered assessment.
Contract reviews and protection of your interests in disputes involving banks, loans and mortgages.
Reviewing and negotiating banking agreements
We analyse terms, costs and obligations to identify points needing explanation or negotiation.
Disputes concerning loans and other banking products
We review the agreement, transactions and the bank’s responses to define the dispute.
Challenging unfair contract terms
We examine the clause and contracting circumstances before assessing a possible challenge.
05The scope of support
The details also
shape the way forward.
Each step is assessed against your documents and circumstances. We agree the work before starting.
Claims for repayment from banks
We organise payments and documents to support the basis and amount claimed.
Defence in mortgage enforcement proceedings
We review notices and the stage of proceedings to identify possible next steps.
05
Before the review
Facts and documents.
In order.
Prepare the context of your enquiry. There is no need to attach documents at first contact.
Banking agreement and amendments
Identify available and missing materials. We will agree what to review and how to share it.
Statements and breakdown of disputed sums
Organise available information with dates and references so it can be compared during the review.
Complaint, bank response or court notice
Mention relevant dates and pending responses. Keep the originals for the agreed review.
06
People and approach
Know who supports you.
Understand each step.
Before starting, we agree the objective and terms of the work.
A person responsible for your matter
Before engagement, we clarify who will handle your matter, their professional remit and how to stay in contact.
Experience you can verify
You can request the responsible professional’s details and ask the questions you need before deciding.
An agreed scope
We define the work, fees and communication. Third-party decisions are not presented as guaranteed outcomes.
07
How we work
A clear path.
Step by step.
-
Tell us the essentials
Your objective, the people involved and relevant dates. No documents are needed for the initial contact.
-
Define the enquiry
We identify the checks and documents that can help assess the situation.
-
Agree the engagement
We agree the work, budget and responsibilities before the engagement begins.
-
Proceed with follow-up
We carry out the agreed work and explain the next steps and important communications.
Information to prepare your enquiry
Understanding the context helps you decide.
Informational guide
Bank complaints in Spain: preparing your documents and written claim
Organise the facts, disputed charges and communications before complaining to your bank. What to keep and how to define your request.
Read the guide ↗
Informational guide
Digital certificate and Cl@ve: preparing for online procedures in Spain
Understand digital certificates and Cl@ve, check what you need before registering and keep reliable proof that your application was submitted.
Read the guide ↗
Informational guide
Inheritance in Spain: documents and first steps before accepting
Organise certificates, assets, debts and questions before deciding about an inheritance, including where another country is involved.
Read the guide ↗Before deciding
Questions worth clarifying.
What do you need to examine a charge?
Its description and dates, the agreement and related transactions. Identify missing documents so the appropriate request can be considered.
Does a complaint guarantee a refund?
No. The product, terms, facts and evidence require review. Any recoverable amount must be assessed individually.
Should I send documents with the initial enquiry?
No. A short description and important dates are enough. We then agree which documents to review and how to provide them.
When will I know the fees and responsible professional?
Before engagement, we clarify the work, financial terms and who will handle it. If information is missing, we explain what is needed to assess it.
Can the outcome be guaranteed?
Decisions by authorities, courts or counterparties are not guaranteed. We explain options and limits based on documents and circumstances.
Enquiry about: Banking law
Your next step
Tell us what you need to resolve.
Start with a question and relevant dates. We will agree the scope and terms of support after understanding your situation.
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