News
COFIDIS: CONDEMNED TO RETURN THE EXCESS OF THE LOANED CAPITAL APPLYING THE LAW OF REPRESSION OF USURE
Normally, when we talk about a fast or express loan or credit, we refer to those that offer credit institutions such as Celetelm, Cofidis, or other companies specialized in mini-credits. This class of loans or credits is granted by companies in a short time, with a reduced repayment limit and normally with conditions of… Read more »
CAN THE SELF-EMPLOYED, SMEs AND PROFESSIONALS CLAIM THE NULLITY OF A LAND CLAUSE?
The Supreme Court has just published its Judgment no. 168/2020 dated March 11, 2020, which clarifies that there are real possibilities for freelancers, SMEs and professionals to claim the elimination of the floor clause that has been imposed on the mortgage loans that they have subscribed and to be interested in having the ... Read more »
REVOLVING CARDS
The revolving card is a credit card that allows you to postpone the payment of all our purchases and, instead of paying in arrears, as is usually done with current cards, you pay in installments applying interest. This credit product has gained great popularity thanks to its flexibility and, above all, to ... Read more »
LET'S LOOK FOR EXTRAJUDICIAL SETTLEMENTS, AVOID GOING TO THE COURT
At Andreu Alenda Lawyers, given the new circumstances we are experiencing, we are committed to extrajudicial solutions. It has always been our priority to offer a quality and honest service, with the least psychological burden for our clients, now that attempt at a friendly solution and avoiding going to court to resolve conflicts is essential. In… Read more »
HOW TO PROCESS AN INHERITANCE
EXPERTS IN INHERITANCES, WILLS, SUCCESSIONS AND HEREDITARY PROBLEMS. Faced with a situation as difficult as the death of a loved one, what we could least want is to face a complex bureaucratic process aimed at processing the inheritance. Given our experience, Andreu & Alenda Abogados we try that the processing of inheritances, both of citizens ... Read more »
CROSS-BORDER HEREDITARY SUCCESSIONS
National inheritance rules vary considerably from one Member State to another (for example, who inherits, what are the hereditary portions, the legitimate ones and the reserves, how wide is the freedom to test, how is the hereditary flow to be administered, how wide it is the responsibility of the heirs for debts, etc.). Thus,… Read more »
TAX ON SUCCESSIONS AND DONATIONS IN THE COMMUNITY OF MADRID
The inheritance and gift tax is the one that obliges the citizen to pay taxes for receiving an inheritance or a donation. The autonomous communities are responsible for its management, which means that receiving an inheritance has very different economic consequences for the heirs depending on where in Spain we are ... Read more »
Mortgage debt moratorium due to the COVID-19 crisis
At Andreu & Alenda Abogados we want to inform you of one of the main novelties of Royal Decree-Law 8/2020, of March 17, on extraordinary urgent measures to face the economic and social impact of COVID-19, which provides for a moratorium on the payment of mortgage payments for particularly vulnerable groups. Who can… Read more »
The self-employed and the crisis of COVID-19
On March 11, 2020, the World Health Organization elevated the public health emergency situation caused by Covid-19 to an international pandemic. The rapid evolution of events, at the national and international levels, has required the adoption of immediate and effective regulatory measures to deal with ... Read more »
Recover your mortgage expenses
As you almost certainly know, the clause contained in 99% of Spanish mortgages for which all the expenses of formalization of the mortgage loan are imposed on the borrower, is an abusive clause and the amounts paid for several of these expenses can be claimed and Your amount recovered. The wording of this clause ... Read more »
