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In terms of foreclosing proceedings against our customers we have been extremely successful achieving the nullification of the procedures. In many cases, the High Court has ruled in our favour due to the lack of legitimation of the  bank. For example, the former CAM signed a mortgage with a client (2006, 2007) and the one who started the proceeding was BANCO CAM (now Banco Sabadell). Our appeal allowed the annulment of the proceedings because the mortgage had not been coordinated with Cam Bank. Some decisions are not peaceful in this sense but we obtained a resolution in favour of our clients. In many other cases, because of opposition to foreclosure because of abusive clauses we have managed to annul the procedure or nullify such clauses (excessive default interest, self-assessment clause, clause floor) which are null and void. In some cases, the original debt could be automatically reduced by 200,000 euros. In urgent cases we have achieved the suspension of the auction avoiding eviction (for example, in a case in which a father and his young daughter lived at his family home, we reached an agreement with the bank to suspend the auction). In these cases, it is important not to give up. If you receive any notification related to the mortgage, or a bank requirement, contact us and we will help you.


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C/ Velázquez 27 - 1 Izq
28001 Madrid




C/ Las  Jarcias 77 - nº 44

38670 Adeje Tenerife




+34 673 542212 +34 673 542212


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