31 May 2025 10:47 AM:

I would appreciate the assistance of your company with my claim, if possible, as the property is in Jerez, Cadiz, and I have sent a message via the email form on your company's website. I have found all the related paperwork, invoices, etc. Regarding deadlines, my mortgage started in May 2017.
I also believe I was mis-sold life and buildings insurance under the pretence that it was compulsory. I recently cancelled both policies, and a few months later, they (ING Direct) increased my mortgage repayments as a penalty.

 

This message was last edited by smccartney on 5/31/2025.
Thread: Reclaiming set-up costs of Spanish mortgages

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08 Mar 2025 2:25 PM:

I've seen a lot of posts on Facebook about being able to reclaim set-up costs and mis-sold insurance on pre-2017 mortgages.

I think I may be eligible. Does anyone here have experience of this?

Thread: Reclaiming set-up costs of Spanish mortgages

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17 Jan 2025 3:52 PM:

If you are a resident in Spain and working with a Spanish contract, what are the legal requirements for your employer to pay you and provide an nomina?

I think they can pay you up to 5 days late, but when must they provide you with an nomina detailing how much tax you have paid?

Thread: Nominas in Spain

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24 May 2024 4:55 PM:

Can anyone recommend a lawyer in Cadiz, Jerez de la Frontera to be more precise who deals with employment issues? Preferably with some English, as my Spanish is far from perfect. 

 

This message was last edited by smccartney on 5/24/2024.
Thread: Employment Law

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06 May 2023 12:42 PM:

Hi, l received my last electric bill in December last year, which was paid automatically by DD 

In January, nothing, then in February they credited €10.39 to my bank account. At this point I thought the previous year's bills must have been estimated and I had been overcharged so was in credit 

However, no bill in March or April. I tried to set up an online account to see what was happening, but that didn't work. Went to their local office, again they couldn't help .

So, I emailed them and they fixed my login problem, but the online information did not explain the situation.

Now, they've sent me an email saying that there is a problem with their billing system. It tells me not to worry and they will let me pay by installments at no extra charge. I don't think this is good enough.

Thoughts on legal standing here?

Thread: Energia XXI no bills since December 2022

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