We have 29 days left. Not one more and not one less. And you have to take into account that the last three months have been a gift. Only 29 days, which fly by, to find, gather and convert into pdf the invoices for the notary, registration, management and appraisal expenses that generated the constitution of the mortgage credit of those we signed before June 16, 2019 and send – conveniently scanned at the customer service of the entity with which we closed the matter.

It’s around a thousand euros for a normal mortgage and no, it’s not asking for alms or trying to tickle anyone’s fancy. It is simply to accept the sentence of the Constitutional Court that five years ago ruled that that charge was abusive and that customers have the right to demand its reinstatement until January 23, 2024. When that day arrived and seeing that we were the majority who hadn’t even found out that we had been very stupid, that same court extended the deadline until April 14. Well, we have 29 days left to request the refund of the total amount of those abusive expenses (notary only 50% and the rest 100%), as well as the derived interest. And this, which seems silly, is what is really worth it, especially for those who closed the mortgage twenty or thirty years ago.

But it’s not that easy. First, as has already been said, you need to find out and understand that this has nothing to do with the land clause (which was indeed universally denounced and claimed) and then be patient. A lot of patience because although it is true that some banks act quickly, pay and are so friendly, they are the ones who do the trick. From the office they send you to customer service. The customer service machine tells you that this is an office matter. In the end, you figure out that you have to send your claim by e-mail, but no one answers. Then you take it to the bank and nobody wants to pick it up, much less sign it, of course. And in the end you either give up and give up or seek legal help. What is there and is it effective (and expensive, abusive?: they keep the interests). But it has already been said. You only have 29 days left.