LAW OF SUCCESSIONS AND DONATIONS Peace of mind and asset security At PEREZ DOMINGO, we know that dealing with succession matters—inheritances, gifts, or wills—can be complex and emotionally delicate. That’s why our lawyers support you closely and consistently, guiding you through every legal and administrative step, and offering both professional and personal support. Our approach […]

MORTGAGE EXPENSES Recover what you overpaid. If you signed a mortgage (and any novations, if applicable), you may be able to claim a refund of the set-up costs: Notary fees: 50 % Valuation (appraisal) fee: 100% Land Registry fees: 100% Administrative fees: 100% To recover them, it is necessary for a judge to declare the […]

IRPH MORTGAGES Banks set the index; we set the strategy to claim your money back. IRPH (Mortgage Loan Reference Index) is an official index published by the Bank of Spain that many lenders marketed as “more stable” than Euribor. In practice, it has often meant higher monthly payments and more interest paid over the years. […]

FLOOR CLAUSE They capped Euribor falls; we recover what you overpaid. The floor clause sets a minimum interest rate for your variable-rate mortgage: even if Euribor falls, your instalment doesn’t. It was very common in loans signed between 2001 and 2012 (and also in some later novations). At PEREZ DOMINGO, we review your mortgage deed, […]

REVOLVING CREDIT CARDS They promise you comfort; we promise you get your money back. Revolving credit cards let you spread your purchases into “small” installments… in exchange for very high interest that can make the debt feel almost endless. They’re marketed by banks and major retailers. At PEREZ DOMINGO, we review your contract and account […]

MULTI-CURRENCY MORTGAGES They sold you “savings” in another currency; we make sure you recover what you overpaid. Multi-currency mortgages index your loan to a foreign currency (typically JPY or CHF) and to LIBOR, not Euribor. Between 2006 and 2008 they were sold as “cheaper,” but currency fluctuations drove up installments and, in many cases, even […]

TOXIC FINANCIAL PRODUCTS They sold them to you as safe and profitable; we treat them for what they are in law: claimable. Since 2008, many institutions sold complex, high-risk products to retail clients without proper information: preferred shares, subordinated debt, swaps, structured notes, or shares in controversial capital increases. The result: severe losses and lack […]

PROFESSIONAL COLLABORATIONS Legal framework In a legal framework as changing and complex as the current one, and in addition, sometimes very bureaucratic, certain collaborations with other professionals and organisations are indispensable, and are often even essential to achieve the set objective. I want to contact Solutions At PEREZ DOMINGO, we have collaborators who are experts in […]