Thousands of homeowners in Spain have discovered in recent years that they may be eligible to claim refunds for mortgage expenses wrongfully charged by banks, including Ibercaja. These expenses were typically paid by the borrower at the time of signing a mortgage, even though courts have ruled that they should have been shared with or fully covered by the lender. As a result, many customers who signed with Ibercaja can now recover a significant portion of what they paid, depending on the terms of their contracts and the supporting documentation they can provide.

The expenses in question are those associated with formalizing the mortgage contract. This often includes the notary fee, land registry fee, administrative agency fee, and sometimes the valuation fee. For years, banks added clauses to mortgage agreements that pushed all these costs onto the consumer without negotiation or explanation. Spanish courts later declared these clauses abusive, as they violated basic consumer rights by creating an imbalance in obligations. Ibercaja, like other lenders, is now required to respond to claims when customers provide evidence that they were charged these costs unfairly.

The process of claiming back these Reclamar gastos de hipoteca Ibercaja begins with reviewing the mortgage contract and gathering receipts and invoices related to the original mortgage setup. Documents such as the notary invoice, registry bill, and agency fee invoice are essential to prove how much was paid and to whom. These will support the claim and are typically attached to a formal complaint submitted directly to Ibercaja. This step must be done in writing and should clearly request a refund for the specific expenses, citing relevant legal rulings when possible.

Ibercaja then has a limited period to respond, generally two months. In some cases, the bank may offer a partial refund or request more information. If the bank rejects the claim or gives no response, the customer has the right to pursue the matter in court. Many customers have done so successfully, especially in cases where courts found the original mortgage terms lacked transparency or balance. The legal system has increasingly favored consumers, with consistent rulings confirming that these expenses were not fairly assigned.

Numerous Spanish law firms now offer specialized services to handle mortgage expense claims. They often work on a no-win, no-fee basis, which allows homeowners to make their claims without paying upfront legal costs. Lawyers typically manage the filing process, represent the client in court if necessary, and ensure the claim meets all legal requirements. Customers who go this route have a strong chance of recovering a large portion of the money they paid at the time of signing.

While these types of claims remain valid, time limits may apply depending on the date of the mortgage and the latest interpretations by the Spanish Supreme Court. As the legal framework evolves, customers are advised to act without delay. Many Ibercaja clients have already recovered their money, and those who have not yet filed should check their eligibility and begin the process while they still can.