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El blog de Maria

Your daily Spanish Law reporter. Have it with a cafe con leche.
www.costaluzlawyers.es

Legal tip 1487. 2022 Won cases by CostaLuz Lawyers
Thursday, May 5, 2022

COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
P1 LEY 57/1968 BANCO MARE NOSTRUM & CAIXABANK CORVERA CORVERA GOLF & COUNTRY CLUB
P1 LEY 57/1968 BANCO SANTANDER INVERSIONES MANYMAR MANILVA PARK
P1 LEY 57/1968 BANCO SANTANDER SOCRIBO PAGO DE LA ALFOQUIA
TS LEY 57/1968 GENERALI & BANCO POPULAR HUMA INDALO & HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB / URBANIZACION OASIS-THABERNAX COUNTRY CLUB
P1 LEY 57/1968 BANCO SANTANDER SOL MIJAS DEVELOPERS SL LA CONDESA DE MIJAS GOLF
P2 LEY 57/1968 BANCO SANTANDER SOL MIJAS DEVELOPERS SL LA CONDESA DE MIJAS GOLF
P2 LEY 57/1968 BANCO SANTANDER MIRAFLORES DEVELOPMENT INVERSIONES VISTAS DEL LAGO
P2 LEY 57/1968 BBVA HERRADA DEL TOLLO SANTA ANA DEL MONTE
P2 LEY 57/1968 BANCO MARE NOSTRUM INROAL ANDARAX
P2 LEY 57/1968 BANCO SANTANDER SOCRIBO PAGO DE LA ALFOQUIA
P1 LEY 57/1968 CAIXABANK PROMILORCI SANGONERA LA VERDE
P2 TIMESHARE N/A ANFI SALES & ANFI RESORTS ANFI EMERALD CLUB
P2 LEY 57/1968 CAIXABANK INTERLAKEN CASARES DEL SOL
P2 LEY 57/1968 CAIXABANK NEW MEDINA VILLAS LOS LLANOS DEL PERAL
P1 LEY 57/1968 ZURICH INSURANCE SEA GOLF APARTMENTS SL SEA GOLF APARTMENTS
P1 LEY 57/1968 BANCO SANTANDER AIFOS ANGEL DE MIRAFLORES
P2 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
P1 LEY 57/1968 BANCO SANTANDER SIERRA MAR DEVELOPMENT HACIENDA BUENAVISTA
P2 LEY 57/1968 BANKIA EUROPEAN SUN HOUSES VILLAS DE DON ANTONIO
P1 LEY 57/1968 CAIXABANK SUN GOLF ESTEPONA BEACH & COUNTRY CLUB
P2 TIMESHARE UNICAJA CLUB ESTELA DORADA  
P1 LEY 57/1968 CAIXABANK, BANKIA, SANTANDER & IBERCAJA DEPARTMENTO TECNICO INMOBILIARIA CORTIJO DE LA LUZ IV
P2 LEY 57/1968 BANCO SANTANDER, CAIXABANK & CAJAMAR CAJA RURAL AIFOS AIFOS HIPODROMO
P2 LEY 57/1968 BANCO SABADELL HERRADA DEL TOLLO SANTA ANA DEL MONTE


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Legal tip 1486. 2022 new won cases by CostaLuz
Wednesday, April 20, 2022

CITY COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
MURCIA P1 LEY 57/1968 BANCO MARE NOSTRUM & CAIXABANK CORVERA CORVERA GOLF & COUNTRY CLUB
ESTEPONA P1 LEY 57/1968 BANCO SANTANDER INVERSIONES MANYMAR MANILVA PARK
ALMERIA P1 LEY 57/1968 BANCO SANTANDER SOCRIBO PAGO DE LA ALFOQUIA
MADRID TS LEY 57/1968 GENERALI & BANCO POPULAR HUMA INDALO & HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB / URBANIZACION OASIS-THABERNAX COUNTRY CLUB
FUENGIROLA P1 LEY 57/1968 BANCO SANTANDER SOL MIJAS DEVELOPERS SL LA CONDESA DE MIJAS GOLF
MALAGA P2 LEY 57/1968 BANCO SANTANDER SOL MIJAS DEVELOPERS SL LA CONDESA DE MIJAS GOLF
CADIZ P2 LEY 57/1968 BANCO SANTANDER MIRAFLORES DEVELOPMENT INVERSIONES VISTAS DEL LAGO
ALICANTE P2 LEY 57/1968 BBVA HERRADA DEL TOLLO SANTA ANA DEL MONTE
ALMERIA P2 LEY 57/1968 BANCO MARE NOSTRUM INROAL ANDARAX
ALMERIA P2 LEY 57/1968 BANCO SANTANDER SOCRIBO PAGO DE LA ALFOQUIA
MURCIA P1 LEY 57/1968 CAIXABANK PROMILORCI SANGONERA LA VERDE
MALAGA P2 TIMESHARE N/A ANFI SALES & ANFI RESORTS ANFI EMERALD CLUB
MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN CASARES DEL SOL
ALMERIA P2 LEY 57/1968 CAIXABANK NEW MEDINA VILLAS LOS LLANOS DEL PERAL
SAN ROQUE P1 LEY 57/1968 ZURICH INSURANCE SEA GOLF APARTMENTS SL SEA GOLF APARTMENTS
MALAGA P1 LEY 57/1968 BANCO SANTANDER AIFOS ANGEL DE MIRAFLORES
CADIZ P2 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
FUENGIROLA P1 LEY 57/1968 BANCO SANTANDER SIERRA MAR DEVELOPMENT HACIENDA BUENAVISTA


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Legal tip 1485- All won Cases by CostaLuz Lawyers so far in 2022
Friday, January 21, 2022

P.O CITY COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
582/2018 MURCIA P1 LEY 57/1968 BANCO MARE NOSTRUM & CAIXABANK CORVERA CORVERA GOLF & COUNTRY CLUB
354/2020 ESTEPONA P1 LEY 57/1968 BANCO SANTANDER INVERSIONES MANYMAR MANILVA PARK
621/2017 ALMERIA P1 LEY 57/1968 BANCO SANTANDER SOCRIBO PAGO DE LA ALFOQUIA
2311/2012 MADRID TS LEY 57/1968 GENERALI & BANCO POPULAR HUMA INDALO & HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB / URBANIZACION OASIS-THABERNAX COUNTRY CLUB
727/2015 FUENGIROLA P1 LEY 57/1968 BANCO SANTANDER SOL MIJAS DEVELOPERS SL LA CONDESA DE MIJAS GOLF


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Legal tip 1484- All won Cases by CostaLuz Lawyers so far in 2021
Friday, November 12, 2021

MALAGA MALAGA P1 LEY 57/1968 BANCO DE SANTANDER AIFOS CALAHONDA HILLS
548/2016 MURCIA P2 LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
218/2018 ALICANTE P2 LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
790/2020 ALMERIA P1 CLAUSULA SUELO BANCO SANTANDER    
150/2018 MALAGA P1 LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
665/2017 MALAGA P2 LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
492/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
259/2018 MURCIA P1 LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
554/2017 MURCIA P2 LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
1525/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
285/2018 PALMA DE MALLORCA P1 TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
4642/2018 CADIZ P1 CLAUSULA SUELO UNICAJA    
373/2019 CADIZ P1 CLAUSULA SUELO UNICAJA    
530/2017 LA LINEA P1 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
1005/2018 ESTEPONA P1 LEY 57/1968 CAIXABANK SUNGOLF & OCEAN VIEW ESTEPONA BEACH & COUNTRY CLUB
1353/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
662/2018 ALICANTE P2 LEY 57/1968 CAIXABANK ANDREA VILLAS LA MASIA LOS LIMONEROS
203/2018 LAS PALMAS P2 TIMESHARE   ANFI SALES & ANFI RESORTS  
171/2017 ALMERIA P2 LEY 57/1968 BANCO POPULAR INROAL ANDARAX
534/2018 MURCIA P1 LEY 57/1968 CAJAMAR CAJA RURAL SOLERA EL TRAMPOLIN RESIDENCIAL EL TRAMPOLIN
499/2020 ESTEPONA P1 LEY 57/1968 BANCO SABADELL MANILVA MAR Y GOLF SL MANILVA MAR Y GOLF
737/2020 ALMERIA P1 LEY 57/1968 BANKIA INROAL ANDARAX
1399/2018 MALAGA P1 LEY 57/1968 CAIXABANK, CAJA RURAL DE GRANADA, CAJAMAR, BANCO POPULAR, BANCO SANTANDER, BANCO SABADELL, ABANCA, BBVA AIFOS PUERTO GOLF LAS COLINAS
259/2018 MURCIA P2 LEY 57/1968 CAJAMAR CAJA RURAL TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
503/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
599/2017 MALAGA P2 LEY 57/1968 CAJASUR PROMOCIONES URBANISTICAS CASTELL DE FERRO URB. ALHAMBRA DE MAR CASTELL
719/2018 ALMERIA P1 LEY 57/1968 CAIXABANK NEW MEDINA VILLAS LOS LLANOS DEL PERAL
636/2018 GUADALAJARA P2 LEY 57/1968   HERCESA INMOBILIARIA DONA JULIA
569/2018 MURCIA P1 LEY 57/1968 BANCO POPULAR CORVERA CORVERA GOLF & COUNTRY CLUB
776/2018 MURCIA P1 LEY 57/1968 BANCO POPULAR PROYECTOS Y DESARROLLOS URFESAN SL LA TERCIA REAL
284/2018 MALAGA P1 LEY 57/1968 CAIXABANK PROVERTE & OCEAN VIEW GUADALUPE HILLS
60/2017 MALAGA P2 LEY 57/1968 CAIXABANK MANILVA COSTA JARDINES DE MANILVA
540/2020 HUELVA P1 LEY 57/1968 BANKIA GRUPO INMOBILIARIO RA & BE SL  
550/2019 ALGECIRAS P1 ROAD TRAFFIC ACCIENT CORIS ESPANA N/A N/A
657/2019 MALAGA P2 LEY 57/1968 CAIXABANK EXPLOITACIONES INMOBILIARIAS ALCAZABA HORIZONTE DE RIVERA
1328/2016 MALAGA P2 LEY 57/1968 BANCO SANTANDER AIFOS PUERTO GOLF LAS COLINAS


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Legal tip 1483- All won Cases by CostaLuz Lawyers so far in 2021
Wednesday, July 28, 2021

P.O CITY COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
396/2019 MALAGA P1 LEY 57/1968 BANCO SANTANDER AIFOS CALAHONDA HILLS
548/2016 MURCIA P2 LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
218/2018 ALICANTE P2 LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
790/2020 ALMERIA P1 CLAUSULA SUELO BANCO SANTANDER    
150/2018 MALAGA P1 LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
665/2017 MALAGA P2 LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
492/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
259/2018 MURCIA P1 LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
554/2017 MURCIA P2 LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
1525/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
285/2018 PALMA DE MALLORCA P1 TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
4642/2018 CADIZ P1 CLAUSULA SUELO UNICAJA    
373/2019 CADIZ P1 CLAUSULA SUELO UNICAJA    
530/2017 LA LINEA P1 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
1005/2018 ESTEPONA P1 LEY 57/1968 CAIXABANK SUNGOLF & OCEAN VIEW ESTEPONA BEACH & COUNTRY CLUB
1353/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
662/2018 ALICANTE P2 LEY 57/1968 CAIXABANK ANDREA VILLAS LA MASIA LOS LIMONEROS
203/2018 LAS PALMAS P2 TIMESHARE   ANFI SALES & ANFI RESORTS  
171/2017 ALMERIA P2 LEY 57/1968 BANCO POPULAR INROAL ANDARAX
534/2018 MURCIA P1 LEY 57/1968 CAJAMAR CAJA RURAL SOLERA EL TRAMPOLIN RESIDENCIAL EL TRAMPOLIN
499/2020 ESTEPONA P1 LEY 57/1968 BANCO SABADELL MANILVA MAR Y GOLF SL MANILVA MAR Y GOLF
737/2020 ALMERIA P1 LEY 57/1968 BANKIA INROAL ANDARAX
1399/2018 MALAGA P1 LEY 57/1968 CAIXABANK, CAJA RURAL DE GRANADA, CAJAMAR, BANCO POPULAR, BANCO SANTANDER, BANCO SABADELL, ABANCA, BBVA AIFOS PUERTO GOLF LAS COLINAS
259/2018 MURCIA P2 LEY 57/1968 CAJAMAR CAJA RURAL TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
503/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
599/2017 MALAGA P2 LEY 57/1968 CAJASUR PROMOCIONES URBANISTICAS CASTELL DE FERRO URB. ALHAMBRA DE MAR CASTELL
719/2018 ALMERIA P1 LEY 57/1968 CAIXABANK NEW MEDINA VILLAS LOS LLANOS DEL PERAL
636/2018 GUADALAJARA P2 LEY 57/1968   HERCESA INMOBILIARIA DONA JULIA
569/2018 MURCIA P1 LEY 57/1968 BANCO POPULAR CORVERA CORVERA GOLF & COUNTRY CLUB
776/2018 MURCIA P1 LEY 57/1968 BANCO POPULAR PROYECTOS Y DESARROLLOS URFESAN SL LA TERCIA REAL


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Legal tip 1482- All won Cases by CostaLuz Lawyers so far in 2021
Friday, June 18, 2021

P.O CITY COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
396/2019 MALAGA P1 LEY 57/1968 BANCO SANTANDER AIFOS CALAHONDA HILLS
548/2016 MURCIA P2 LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
218/2018 ALICANTE P2 LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
790/2020 ALMERIA P1 CLAUSULA SUELO BANCO SANTANDER    
150/2018 MALAGA P1 LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
665/2017 MALAGA P2 LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
492/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
259/2018 MURCIA P1 LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
554/2017 MURCIA P2 LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
1525/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
285/2018 PALMA DE MALLORCA P1 TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
4642/2018 CADIZ P1 CLAUSULA SUELO UNICAJA    
373/2019 CADIZ P1 CLAUSULA SUELO UNICAJA    
530/2017 LA LINEA P1 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
1005/2018 ESTEPONA P1 LEY 57/1968 CAIXABANK SUNGOLF & OCEAN VIEW ESTEPONA BEACH & COUNTRY CLUB
1353/2014 MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
662/2018 ALICANTE P2 LEY 57/1968 CAIXABANK ANDREA VILLAS LA MASIA LOS LIMONEROS
203/2018 LAS PALMAS P2 TIMESHARE   ANFI SALES & ANFI RESORTS  
171/2017 ALMERIA P2 LEY 57/1968 BANCO POPULAR INROAL ANDARAX
534/2018 MURCIA P1 LEY 57/1968 CAJAMAR CAJA RURAL SOLERA EL TRAMPOLIN RESIDENCIAL EL TRAMPOLIN
499/2020 ESTEPONA P1 LEY 57/1968 BANCO SABADELL MANILVA MAR Y GOLF SL MANILVA MAR Y GOLF
737/2020 ALMERIA P1 LEY 57/1968 BANKIA INROAL ANDARAX
1399/2018 MALAGA P1 LEY 57/1968 CAIXABANK, CAJA RURAL DE GRANADA, CAJAMAR, BANCO POPULAR, BANCO SANTANDER, BANCO SABADELL, ABANCA, BBVA AIFOS PUERTO GOLF LAS COLINAS
259/2018 MURCIA P2 LEY 57/1968 CAJAMAR CAJA RURAL TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
503/2016 MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
 



 



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Legal tip 1481- All won Cases by CostaLuz Lawyers so far in 2021
Monday, June 14, 2021

PROVINCE TYPE OF CASE BANK DEVELOPER DEVELOPMENT
MALAGA LEY 57/1968 BANCO SANTANDER AIFOS CALAHONDA HILLS
MURCIA LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
ALICANTE LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
ALMERIA CLAUSULA SUELO BANCO SANTANDER    
MALAGA LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
MALAGA LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
MALAGA LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
MURCIA LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
MURCIA LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
MADRID LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
PALMA DE MALLORCA TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
CADIZ CLAUSULA SUELO UNICAJA    
CADIZ CLAUSULA SUELO UNICAJA    
LA LINEA LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
ESTEPONA LEY 57/1968 CAIXABANK SUNGOLF & OCEAN VIEW ESTEPONA BEACH & COUNTRY CLUB
MADRID LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
ALICANTE LEY 57/1968 CAIXABANK ANDREA VILLAS LA MASIA LOS LIMONEROS
LAS PALMAS TIMESHARE   ANFI SALES & ANFI RESORTS  
ALMERIA LEY 57/1968 BANCO POPULAR INROAL ANDARAX
MURCIA LEY 57/1968 CAJAMAR CAJA RURAL SOLERA EL TRAMPOLIN RESIDENCIAL EL TRAMPOLIN
ESTEPONA LEY 57/1968 BANCO SABADELL MANILVA MAR Y GOLF SL MANILVA MAR Y GOLF
ALMERIA LEY 57/1968 BANKIA INROAL ANDARAX


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Legal tip 1480- All won Cases by CostaLuz Lawyers so far in 2021
Tuesday, May 18, 2021

CITY COURT TYPE BANK / INSURER PROMOTOR DEVELOPMENT
MALAGA P1 LEY 57/1968 BANCO SANTANDER AIFOS CALAHONDA HILLS
MURCIA P2 LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
ALICANTE P2 LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
ALMERIA P1 CLAUSULA SUELO BANCO SANTANDER    
MALAGA P1 LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
MALAGA P2 LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
MALAGA P2 LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
MURCIA P1 LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
MURCIA P2 LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
PALMA DE MALLORCA P1 TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
CADIZ P1 CLAUSULA SUELO UNICAJA    
CADIZ P1 CLAUSULA SUELO UNICAJA    
LA LINEA P1 LEY 57/1968 ZURICH INSURANCE ALLERTON HOLDINGS SEA GOLF REGENCY
ESTEPONA P1 LEY 57/1968 CAIXABANK SUNGOLF & OCEAN VIEW ESTEPONA BEACH & COUNTRY CLUB
MADRID TS LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
ALICANTE P2 LEY 57/1968 CAIXABANK ANDREA VILLAS LA MASIA LOS LIMONEROS
LAS PALMAS P2 TIMESHARE   ANFI SALES & ANFI RESORTS  


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Legal tip 1479- NEW won cases by CostaLuz Lawyers in 2021
Wednesday, April 21, 2021

TYPE BANK / INSURER PROMOTOR DEVELOPMENT
LEY 57/1968 BANCO SANTANDER AIFOS CALAHONDA HILLS
LEY 57/1968 CAIXABANK & BANKIA PROMILORCI FRONDOSO VALLEY
LEY 57/1968 BANCO SABADELL SAN JUAN URBANA 2002 CASTALLA TRIANGLE
CLAUSULA SUELO BANCO SANTANDER    
LEY 57/1968 CAIXABANK & BANKIA INTERLAKEN 2003 SL CASARES DEL SOL
LEY 57/1968 UNICAJA GESTION DEPORTE 98 SL BALCONES DE MIJAS
LEY 57/1968 CAIXABANK INTERLAKEN 2003 SL CASARES DEL SOL
LEY 57/1968 CAJAMAR & CAIXABANK TRAMPOLIN HILLS GOLF RESORT SL TRAMPOLIN HILLS
LEY 57/1968 BANCO SANTANDER HUMA MEDITERRANEO ALMANZORA COUNTRY CLUB
LEY 57/1968 SGR HERRADA DEL TOLLO SANTA ANA DEL MONTE
TIMESHARE   CLUB ESTELA DORADA / ALTRES VACANCES  
CLAUSULA SUELO UNICAJA    
CLAUSULA SUELO UNICAJA    


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Legal tip 1475- A Forum Conversation on banks and lawyers
Tuesday, December 1, 2020

Conversation with Ads at the Forum, our comments/ answers in bold below:

Dear Maria,

The only aspect that Banks appear to respond to is when they are made sufficiently financially accountable for their behaviour and disrespect of law in place to protect. That´s good. Sign of acceptable democracy system working. At present it would appear that the final financial penalty is insufficient to act as EFFECTIVE deterrent against their continuing exploitative behaviour.

In the case of Ley 57/68 claims, costs are not always fully recoverable and interest is backdated but is not continued to the point of final rulings, which acts as little disincentive to continue with their ploys and "play the system of delays" and significantly overload the courts and justice system in that process. I agree with you. Interests and costs are the pain for them. If those start being lowered down, they lose that punitve and reformative effect. Also, I was thinking some days ago: lawyers who intervned in conveyancing processes: stronger sanctions are needed. A big deal of the problem falls into the lack of independence of them. It is true that punishing the banks have been a healthy medicine for the off plan system in the future but.... that work in regards to lawyers is still to be done. We, lawyers in Spain--- I dare  to say--- are too comfortable in the lack of control and sanctions by our regulatory bodies. An individual certificate of Guarantee would have refurned moeny back to clients since day one.

The problem that many appear to have been exposed to is the way that banks, in full knowledge of SC rulings that took  years to achieve, continued to proliferate appeals which undermined courts ability to “cope” under the interim growing pressure, continuing to suggest elements of doubt until such time as SC doctrine was fully established ( requiring 2 SC rulings on the exact same point of law). Yes, there is still debatable angles and points that Banks fight: Specially now, these two: Consumer Law doctrine and application to Law 57/68 cases and extent of depositor Bank´s liabilities- when is the moment a bank receiving off plan amounts start being liable. I am personally not too happy with any of the two approaches which at the moment are being taken by the Supreme Court on these. 
 

So final clarification of law (SC doctrine) with regard to return of principle monies took years to achieve following major proliferation of appeals, but then to witness a repeat of this purposeful "tactic " with regard to gaining clarification of correctly backdated interest became highly questionable. And all without recognition of specialised courts to fast track and assist, as called for by Keith Rule all too many years ago! Keith keeps being there in the fight.  Now against " hidden developers"  ( OVP, Palmera Properties) and for illegal properties to be dealt by Law 57/68 doctrine.

Likewise to witness Bank submission of cassation appeal and then at the last minute withdraw their submission ( the detail of which was highly questionable from the outset) , again in full knowledge of how this significant delay subsequently compromised the innocent claimant, let alone the impact on those who follow, without “adequate” financial additional penalty to deter such exploitative behaviour I.e. in full recognition of bad intent, just beggars belief. Totally true.

The “ relative “ monies involved to make Banks accountable are but small fry (comparatively small) to the Banks, but are significant to individual innocent claimants when they are left waiting in many cases a decade and a half for justice and rightful retrieval of all their monies, including interest and costs, when deposited monies ironically were supposedly protected from the outset under INALIENABLE rights according to law.

The Bank of Spain does not appear to have acted in any responsible way to act as regulator to ensure that their Banks remained compliant with law in place to protect, nor ensure that they adhere to their so called “ mission statements”, that to the common man gives the false impression upon reading the statements that they are to be trusted and are adhering to compliant rules. Law 57/68 has been reviewed but that´s it. Banks and Lawyers regulatory bodies should be encouraged to lose shyness.

It’s hypocrisy of the highest order, and has done untold damage to trust  within the Spanish real estate industry. 

But the saddest aspect of all is that Banks have been allowed to undermine trust in the justice system itself. In my opinion, there is a new current in Law and a new generation of Lawyers much involved in controlling and punishing banks.

The whole scenario needs review from a much higher perspective in terms of adequate financial penalties where innocents are no longer scapegoated in this scenario, and good law firms AND clients alike can reclaim trust both in one another and the whole sorry system. Totally agree, Ads.

The Banks should never be allowed to divide and rule in this manner where again they exploited vulnerabilities with hidden agendas by working with law firms who it transpired were also duped ( or in some cases transpired to be knowingly complicit) in their failures to provide legal BGs  ( non independence) as Banks purposefully turned blind eyes to such essential adherence to BG law with full adherence to safeguarding of deposited monies. Totally agree, Ads. Wrong, illegal, corrupt system.

Their manipulative behaviour has done untold damage to trust which will sadly take years to overcome unless more is done to swiftly call for the Bank of Spain to act as effective regulator and the Government provide adequate resources in the interim, in the form of specialised courts for competent trusted and effective fast tracking of outstanding claims with timely  judicial enforcement. My wonder is if, aparto to those of us who are still currently involved in solutions to the problems, there is a real interest there.

In the interim, thank you for your patience to listen, to continue to educate, and willingness to seek out ways to improve the status quo. I hope and trust that those who have problems re communicating will also gain some understanding of the complex and highly procedural elements to achieve justice under the status quo, which accounts for all too many of the significant background delays associated with rightful  recovery of all of their entitled monies. Thanks.

Stay safe and strong and good luck with all your continuing endeavours. Likewise. It seems we are reaching the end of the tunnel with COVID.

Best regards



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