Albos Law has obtained a fully favorable judgment in Barcelona for a client who sought the annulment of a “floor clause” and a clause concerning the allocation of mortgage expenses. These clauses were abusively imposed and included in her mortgage loan signed with BBVA in 2008 (Judgment No. 444/2025 dated February 3, issued by Court of First Instance No. 50 bis of Barcelona).
Specifically, we filed an ordinary lawsuit against the aforementioned bank, seeking the annulment of the “floor clause” and the clause regarding mortgage-related expenses imposed by the financial institution, arguing their abusive nature. We also demanded the reimbursement of the amounts unduly paid as a result of the application of these clauses.
Surprisingly, the defendant bank fully accepted our claims without even contesting the statute of limitations for the amounts requested. This demonstrated bad faith, as they forced our client to litigate solely to delay the acknowledgment of the abusiveness of the contested clauses. As a result, a judgment was issued that fully upheld our claim and expressly ordered the bank to pay the legal costs.
In any case, the client will recover €28,000 in unduly paid amounts due to the application of these clauses, of which €8,000 corresponds to interest accrued on the principal claimed due to the time elapsed since the sums were collected.
Albos Law is a law firm specializing in civil liability claims. We conduct feasibility studies for any case presented to us, free of charge, in order to ensure the greatest possible chance of success for claims filed on behalf of our clients.