Spanish Banking Ombudsman

We have made a formal complaint to our mortgage lender which has been replied to with an unsatisfactory response, telling us that if we don't like it, to take it up with the Bank of Spain. They also told us there is an ombudsman service, but neglected to give us any further information. Anyone with any ideas on how to progress our complain out there please?

Thanks

Mark

 You need to present first your claim before the Bank´s Client Defender: http://www.bde.es/servicio/reclama/bancos.pdf

if you do not get satisfied with the solution, you can present the claim before the Bank of Spain:

Banco de España
Servicio de reclamaciones
Alcalá, 50 28014 Madrid
Teléfonos 913 385 068 y 913385 851

In both cases you need to enclose personal identification, identification of the branch where the problem has happened, explanation of the issue with related means of proof and the statement of the case not being under judicial affair.

Hi Maria

Thanks for the information. We have already made the formal complaint to the bank, so we are on step 2 now. I have copies of all email correspondence between the bank, our broker and ourselves which has already been presented and rejected by the bank. I will now send the information to the Bank of Spain. Is there any particular department? You also say we should send personal identification and identification of the branch . Is that just the address of the mortgaged property and the address of the bank?

Regards

Mark

Below in green:

Hi Maria

Thanks for the information. We have already made the formal complaint to the bank, so we are on step 2 now. I have copies of all email correspondence between the bank, our broker and ourselves which has already been presented and rejected by the bank. I will now send the information to the Bank of Spain. Is there any particular department? AL DEFENSOR DEL CLIENTE You also say we should send personal identification and identification of the branch . Is that just the address of the mortgaged property, no, it is your personal address or the address of your representative in Spain and the address of the bank?

Regards

Mark

Look at Maria's post on this thread dated the 1st April, she gives all the details of what you need to do.

Noreen

Have you tried their email on this page?  I had to badger my lender relentlessly asking for details of their formal complaints process.

Mark

Re bank charges,
                               I called into my bank on friday 3rd October 08, to transfer monies from Euros to stirling I was very annoyed to be told by the clerk that a fee of 600 euros would be charged for this service. following my complaint I was told by the clerk he would E-mail head office to see if he could get a reduction, I agreed with this and told them to carry on with the transaction as the money had to be in the UK by Tues to secure the spot deal I had on the transfer, his word were as its before 1400hrs this would be know problem.
                                On checking my on line banking on Monday 6th Oct 08. I noticed the funds had not been taken, my wife then called into the bank to find out what the delay was, to our utter shock was told the bank had not transferred the money as they now want 1200 euros. The clerk could only say "it must be because you complained", he refused to let my wife see the manager for an explanation, when my wife said we would complain to the ombudsman he said there is no such thing in Spain.
                                 What action do you feel we should take 
                                                                                     Yours sincerley

Re bank charges,
                               I called into my bank on friday 3rd October 08, to transfer monies from Euros to stirling I was very annoyed to be told by the clerk that a fee of 600 euros would be charged for this service. following my complaint I was told by the clerk he would E-mail head office to see if he could get a reduction, I agreed with this and told them to carry on with the transaction as the money had to be in the UK by Tues to secure the spot deal I had on the transfer, his word were as its before 1400hrs this would be know problem.
                                On checking my on line banking on Monday 6th Oct 08. I noticed the funds had not been taken, my wife then called into the bank to find out what the delay was, to our utter shock was told the bank had not transferred the money as they now want 1200 euros. The clerk could only say "it must be because you complained", he refused to let my wife see the manager for an explanation, when my wife said we would complain to the ombudsman he said there is no such thing in Spain.
                                 What action do you feel we should take 
                                                                                     Yours sincerley
                                                                                                 Barry Grant

if you do not get satisfied with the solution, you can present the claim before the Bank of Spain:

Banco de España
Servicio de reclamaciones
Alcalá, 50 28014 Madrid
Teléfonos 913 385 068 y 913385 851

In both cases you need to enclose personal identification, identification of the branch where the problem has happened, explanation of the issue with related means of proof and the statement of the case not being under judicial affair.

This message was last edited by crispycat on 08/05/2009.

I need to make a complaint about the La Caixa bank, but notice their address did not

appear on the BDE list.

would you have it please?

Maria, I have issues with cam bank. They have had our deposit since 2006 and have not issued bank guarantees. money was paid into a designated account supposedly ring fenced.

Cam bank also do not appear on the list you gave as a hyper link.

can i ask are all banks in Spain legally forced to comply with Banking Ombudsman?

If they are and have not can we immediately complain to Bank of Spain?

Thanks

The address for La Caixa Bank is Caja de Ahorros y Pensiones de Barcelona. Av Diagonal 621-629. 08028 Barcelona.

I would point out they do pass information onto 3rd parties without your knowledge and then refuse to answer any direct letters you send them. I am still waiting for an honest answer from them, so much so I have referred my complaint to the European Ombudsman who has passed on my complaint to the Spanish office, perhaps I might get a reply.

Alamred: the legal obligation to issue Bank Guarantees is not the Bank´s but the developer. If you have proofs of requesting the Guarantee and not being granted one by developers, you can cancel your contract, due to the unsafe position they are illegaly placing you.

Best weekend,

Maria

Thankyou Maria, but my solicitor says that the developer has no funds and is indicating that if we sued the developer although he feels we would win, and court would find in our favour any "secure of assets" would be pointless as developer has no money in accounts.

The money was paid to Cam Bank into an account name of the developer but our solicitor indicates this was a specfic account supposedly ring fenced.

I accept we can cancel contract but how di we get cam bank to give us our money back

Thanks

Any thoughts Maria....

Thankyou Maria, but my solicitor says that the developer has no funds and is indicating that if we sued the developer although he feels we would win, and court would find in our favour any "secure of assets" would be pointless as developer has no money in accounts.

The money was paid to Cam Bank into an account name of the developer but our solicitor indicates this was a specfic account supposedly ring fenced.

I accept we can cancel contract but how do we get cam bank to give us our money back

Thanks