Consumer and User Law (Consumer Law)

We defend your rights against corporate abuse and bad banking practices. We tip the scales in your favor in Spain and Europe.

Legal Protection against Large Corporations

In today’s market, consumers and small investors often face a clear disadvantage when signing adhesion contracts or contracting financial services. Spanish and European regulations offer a strong protective shield, but require specialist lawyers to activate it successfully.

At Legal Excellens, we are experts in litigating against financial institutions, airlines, and large retailers. We do not allow the technical complexity of contracts to prevent you from recovering what belongs to you.

Whether due to an abusive clause in your mortgage, a toxic investment, or a defective purchase, we analyze the viability of your case and devise the best strategy to obtain your compensation.

Our Consumer Defense Areas

Banking Claims

Recover your money from abusive conditions.

  • Mortgages: Floor clauses, IRPH, and claims for formalization expenses.
  • Revolving Cards and Microcredits: Nullity due to usurious interest and lack of transparency.
  • Toxic Investments: Complex financial products sold without due information (MiFID).

Guarantees and Purchases

Protection in the acquisition of goods and services.

  • Defective Products: Warranty claims and hidden defects (e.g., vehicles, technology).
  • Business Cartels: Claims for overpricing (Car Cartel, Truck Cartel).
  • E-commerce: Online fraud, bank scams (phishing), and the right of withdrawal.

Passenger and Tourism Rights

Compensation for incidents during your travels

  • Flights: Cancellations, long delays, overbooking, and lost luggage
  • Package Holidays: Breaches by travel agencies and tour operators
  • Ground Transportation: Claims involving trains and buses

Why choose Legal Excellens for your claim?

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Transparent Viability

We do not promote unnecessary litigation. We carry out a preliminary study of your documentation (mortgage contract, card statements, tickets) to accurately confirm your chances of success and the estimated amount to recover before initiating any action.

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Jurisprudential Knowledge

Consumer Law changes rapidly with the rulings of the Spanish Supreme Court and the Court of Justice of the European Union (CJEU). Our team stays up to date to apply the most recent and favorable jurisprudence to your interests.

Frequently Asked Questions about Consumer Rights

Can I still claim the formalization expenses of my mortgage?

Yes. According to the latest rulings of the CJEU and the Supreme Court, the action to claim the restitution of these expenses (notary, registry, appraisal, and agency) is open. We analyze your deed to calculate the amount to recover, even if the mortgage is already cancelled.

How do I know if my card or microcredit is “Revolving” and usurious?

If you pay a low fixed monthly installment but the debt barely decreases, it is highly likely that you have a revolving card. If the applied interest significantly exceeds the average rate of the Bank of Spain, you can request nullity due to usury and the refund of all overpaid interest.

I have been a victim of “Phishing” and money has been stolen from my bank account, who is liable?

In many cases of computer scams (phishing, smishing), the bank has a duty to refund the stolen funds if it cannot prove that the client acted with “gross negligence”. Our team files the claim with the Customer Ombudsman and, if necessary, in court.

Assert your rights today

Do not allow abuses to become statute-barred. Request a feasibility study of your case and find out if you are entitled to compensation or a refund of your money.

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