If you pay a monthly fee and your credit card debt barely drops, it is possible that you have a revolving card with abusive clauses that are not legal, being able to claim the return of everything that you have been overcharged as well as the nullity of the card.
What exactly is a revolving card?
It is a modality of a credit card that consists in the payment of purchases and dispositions in cash dispensers that are made, which are automatically deferred. When it comes to deferring payment, the financial institutions that sell these cards allow two options:
- A fixed monthly fee (usually low)
- A percentage of the pending debt
These types of cards apparently have many advantages, but they really work like microcredits, in which very high interests are applied that range oscillate 20% and 30% annual interest, which the Superior Court of Justice has ruled that it is usury .
What abusive credit cards are the most frequent?
Practically, all banks and financial entities in Spain have marketed this type of card in which extremely high interests is applied that are not legal and can be claimed.
Entities such as Wizink, CaixaBank, Bankinter, Santander Consumer, Cetelem, Cofidis or BBVA are some of the most demanded in our office.
You can see a complete list of all existing revolving (abusive) cards in Spain by clicking on this link: List of revolving (abusive) cards
How can you claim?
At Velázquez & Sabina Abogados, experts in banking law, we help all those affected by these cards in the Canary Islands. You can contact us without obligation by calling 922 249 312 (head office) or by email: info@velazquezsabina.com. We work in all the Canary Islands.
We take care of doing a free study of the card clauses to later confirm that there are abusive interests, start a procedure to get the return of everything that you have been overcharged from the beginning of the contract and as well as the nullity of the card.
Both current and old cards that have been cancelled, unused, lost or destroyed can be claimed.
Why claim with us? 482 favorable sentences in the Canary Islands endorse us
There are already more than 1,900 people in Canary Islands affected by the abuses committed on their credit cards that have trusted us.
Our goal is to help all the affected in the Canary Islands by this type of card, to recover their money in the face of the abuses committed by banks and financial entities.
Until today we have more than 1,900 claims filed in court, we already have 483 sentences, of which 482 have been favorable to the consumer.
On only one occasion, we have not obtained a favorable judicial resolution. In addition, on 64 occasions an agreement was reached with financial entities and banks, satisfactory to our clients.
Click here: revolving card sentences to see our latest sentences in which entities such as Caixabank, Wizink, Cofidis, Cetelem, Bankinter, Santander Consumer or Carrefour, among others, have been sentenced to return all amounts overcharged to our customers, in addition to obtain the NULLITY of the card contract.
For any questions, doubt or if you want more information about claiming cards or loans, you can contact our lawyers at Velázquez & Sabina Abogados, without any commitment, by calling 922 249 312 or by email info@velazquezsabina.com.