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A firm focused on banking law makes the mortgage expense claim service available in Galicia and the Basque Country for deeds signed before 2017.

Zulaika Abogados stands out for defending the rights of consumers against abuses by financial institutions, through comprehensive support throughout the claim process, without advance payments or extra charges. The online modality or by telephone are the channels through which the firm communicates with its clients.

What expenses can be recovered

If a citizen signed a mortgage between 1982 and 2017, they are in time to claim reimbursement for the expenses incurred by the banking operation. Among such expenses, are those of the notary, the agency and the processes of appraisal and registration. The professionals at Zulaika Abogados state that it is possible to recover 100% of the registration amount, as well as all the agency and appraisal expenses, in addition to 50% of the notary expenses.

The great advantage offered by this office is that the client does not pay anything until they have recovered their money. In case of winning the process, the firm will charge 18% plus VAT of the amount recovered and the payment of the costs is assumed by the office, whether it is won or lost. People interested in raising their case can contact the Zulaika Abogados team via email and access a free consultation.

flattering outlook

“Since the Supreme Court Judgment of December 23, 2015, it is considered that, among others, the clause of mortgage expenses that attributes the payment of the same to the client is abusive and this criterion has been ratified during the following years” , express the representatives of Zulaika Abogados on their website.

For those who doubt the possibility of winning the claim, the lawyers from this firm highlight an encouraging figure: more than 90% of the cases that address the return of payments for the formalization of the mortgage are won, even if the mortgage has already been paid in full.

In addition, if the loan deed includes a clause that limited the applicable interest, called the floor clause, the user can start the claim process to receive back the amounts that he has paid in excess, even if the bank has made him sign the waiver executed legal actions.

With the simple copy of the deed of the mortgage loan, plus the notary, registration, appraisal and agency invoices, it is possible to start the process. Zulaika Abogados advises in the event that the client cannot find some of these invoices and will take care of the entire claim process with the responsibility that characterizes it.

In the world of financial products, loans without payroll are one of the most difficult to obtain, since in general, a payroll is one of the main guarantees that a bank usually requests for the approval of a loan. However, today, there are alternatives to traditional banking, which make it easier to access loans without payroll so that people can solve their financing problem.

One of these companies is BirdCapital, a specialist in alternative financing from private capital, which offers its services with a full guarantee of security and transparency.

Loans without private capital payroll

As its name indicates, it is a type of loan in which it is not necessary, as a requirement, to have a payroll so that the interested party can justify their income. On the other hand, for this financial product, the person must only prove through rental income, compensation, inheritance or income of any kind, that they have other sources of additional income.

In the case of non-payroll financing offered by BirdCapital, the necessary requirement, in addition to those mentioned above, is to have a real estate property, since its loans are with a mortgage guarantee. This alone will be enough for the experts of this company to facilitate the financing of private capital that is needed to carry out a project, without the common complications of traditional banking.

A fast, safe and hassle-free process

Requesting a loan without a payroll from BirdCapital is very simple and consists of a few simple steps through its website. First of all, the interested party must make the request by filling out an online form. After that, a company agent will get in touch to make a quick and non-binding study of the client’s request, an assessment that is totally free and without obligation.

Once the interested party has sent the necessary data to the BirdCapital team, they will send a credit simulation in which the client can choose the installments and terms that are most convenient for them. Subsequently, an approved appraiser will appraise the property, in order to accurately assess the guarantee of the loan. Finally, the company will be in charge of starting the financing process and all the pre-signature procedures, until reaching the signing of the loan at the notary.

In conclusion, BirdCapital represents a safe, transparent, fast and reliable alternative to access loans without payroll and have the necessary financing for a project. As you can see, the process is very simple and completely online through its website.