Nullity of unfair clauses
Proactive defence against claims for floor clauses, IRPH, mortgage costs and other financial products. Mass litigation management with a methodology focused on efficiency and contingency reduction.
How we work
Our methodology for this service
Contractual and case law analysis
We review the wording of the challenged clauses and the evolution of CJEU and Supreme Court case law to establish the most robust and up-to-date defence position.
Mass litigation management strategy design
We build a standardised response methodology for each type of claim, optimising resources and ensuring technical and documentary consistency across all proceedings.
Procedural defence at first instance and on appeal
We manage all procedural steps with uniform technical criteria, file the relevant appeals before the provincial courts and coordinate prioritisation criteria with the client.
Results and trend reporting
We produce periodic reports with results by clause type, analysis of jurisprudential trends and recommendations for proactive management of future contingencies.
Who this is for
Banks and credit institutions managing mass claims for floor clauses, IRPH, mortgage costs and other financial products declared unfair by the courts. Also servicers managing inherited portfolios with these contingencies.
Discover more by sector
Why MES Legal?
- Specialist lawyers with proven expertise in each practice area
- Offices in Barcelona and Madrid with national coverage throughout Spain
- Results-oriented, practical approach with clear risk management
- Direct professional relationship — no large-firm layers or intermediaries
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