Claims

• The bank did not adequately advertise or communicate the Code of Good Practice.
• Once the request is submitted, the bank rejects it because it does not consider that the mortgagor meets the exclusion threshold or that the house price meets the established limit.
• The institution does not give reasons for rejecting the customer's request or does not specify the data taken into account.
• The debtor meets the exclusion threshold, but the institution has not prepared a restructuring plan.
• The conditions of the restructuring plan presented by the institution are not in line with the conditions necessarily imposed by the Code of Good Practice.
• The institution does not communicate the unfeasibility of the restructuring plan or the successive measures of the Code of Good Practice: debt reduction and the dation in payment of the main residence.
• In the case of dation in payment of the main residence, the institution does not communicate this measure or another transaction is arranged outside the Code of Good Practice.
• The measures of the Code are not applied to the transaction’s sureties and guarantors that meet the requirements.

In addition, there is always the possibility of going to court.