How to manage the mortgage expense claim efficiently
Mortgage expenses are those generated when formalizing a mortgage, such as those derived from the deed, notary, registry, management, appraisal, among others. Sometimes, it is possible that these expenses have not been correctly distributed between the bank and the client, which can give rise to claims by the mortgage holders.
When can mortgage expenses be claimed?
It is important to note that case law currently protects consumers when it comes to mortgage expenses. Therefore, if you consider that you have paid too much in mortgage expenses, you can claim a refund of these amounts.
Documentation required for the claim
To effectively manage the claim for mortgage expenses, it is essential to collect all the documentation related to the signing of the mortgage. This includes the mortgage loan deed, invoices for expenses paid, their breakdown and any other document that may serve as evidence in the claim process.
How to proceed with the claim?
Once you have the necessary documentation, it is advisable to go to a professional specialized in mortgage law such as Amaya Martín-Lagos Carreras, who will be able to advise you in a personalized way on your claim for mortgage expenses. These types of professionals have the experience and resources necessary to manage these types of procedures successfully.
It is important to present the claim in writing to the corresponding bank or financial institution, requesting a refund of the amounts paid in excess for mortgage expenses. If you do not obtain a satisfactory response, it will be necessary to go to court to enforce your rights as a consumer.
Benefits of having legal advice
Having the support of a lawyer specialized in mortgage law like Amaya Martín-Lagos Carreras can provide you with numerous benefits in the process of claiming mortgage expenses. Among them are:
- Experience: A lawyer specialized in this matter has the necessary experience to carry out the claim effectively.
- Personalized advice: They will be able to provide you with personalized advice adapted to your specific case.
- Defense of your interests: They will be in charge of defending your interests before the corresponding bank or financial institution, ensuring that your rights as a consumer are respected.
- Resource Optimization: It will help you optimize the resources and times necessary to carry out the claim efficiently.
Last conclusions
In summary, if you consider that you have paid too much in mortgage expenses, it is important that you inform yourself about your rights as a consumer and take the necessary measures to claim the return of these amounts. Having the advice of a lawyer specialized in mortgage law like Amaya Martín-Lagos Carreras can facilitate the process and increase your chances of success in the claim.
Remember that current jurisprudence protects consumers with regard to mortgage costs, so do not hesitate to complain if you consider that you have been harmed in this regard. Don't miss the opportunity to recover what is yours!
