Tag Archive for Velasco

Mortgage Floor Clauses

On the 21 December 2016, the European Court of Justice produced a Judgment, in relation to mortgage loans and the limitations set by the Spanish Supreme Court, regarding the unfair practice of clauses relating to minimum interest rates.

Legal: Due Diligence

In legal terms Due Diligence is the process of factual and legal investigation, research, analysis and discovery, on a business, person or asset before the signing of a contract, the signing of public documents or the purchase of an asset.

Consumer Rights

The travel industry in Spain is regulated by several laws the most important being the Ley de Defensa de Consumidores y Usuarios (law for consumer protection).

The European Certificate of Succession

August 17, 2015 marked the introduction of new European rules (regulation 650/2012), that introduced a number of important developments in inheritance law, which will be applicable in the European Union (with the exception of the UK, Ireland and Denmark)

Change of Ownership of a Car in Spain

When a private person sells a vehicle to another physical person, it is very important to go through the complete set of administrative procedures in order to change the ownership. Failure to do this will incur different types of problems including fines and road tax of the new owner being sent and charged to the former owner.

Blacklists & Consumer Protection, Spain

The current economic climate has led to an increase in people and companies getting into debt all over Europe. This has in turn fostered the emergence of “credit blacklists”, where people and companies that have defaulted on payments are recorded.