Usury and revolving credit
Management and defence in litigation on nullity of consumer credit agreements and credit cards. Analysis of the APR and contractual terms to build an effective defence strategy against mass claims.
How we work
Our methodology for this service
Technical review of the contract and APR
We analyse the terms of the revolving credit agreement, the APR applied at the time of contracting and the reference rates in force to establish the defence position against usury allegations.
Building the technical argument
We develop the financial and legal argument underpinning the defence, drawing on Supreme Court case law and expert reports on market rates when necessary.
Procedural management of the claims portfolio
We manage the defence across all proceedings using a mass litigation methodology, classifying files by amount, claimant's argument and competent court.
Case law monitoring and adaptation
We continuously monitor the evolution of Supreme Court and CJEU doctrine to adjust the defence strategy to the latest judicial criteria and minimise the client's exposure.
Who this is for
Credit card issuers, consumer credit specialists and banks with revolving product portfolios facing a high volume of usury or credit agreement nullity claims.
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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