According to the CJEU, arrangement fees on mortgage loans may be subject to an analysis of unfairness.

Administrative and Regulatory Law, Company law, Real Estate and Urban Planning Law, Legal News

Buying a property nowadays usually requires taking out a mortgage loan. These bank loans include an arrangement fee, which is a percentage that generally ranges between 0.5 and 1% of the amount of the loan itself, which the banks add to the amount of the mortgage for...

The CNMC imposes new measures on Endesa, Naturgy, Iberdrola and Holaluz to avoid erroneous company changes in the electricity sector.

Uncategorised

A ‘CUPS crossover’ is a problem for the electricity consumer that means that the consumer who requests a change of electricity company is erroneously assigned the CUPS of another user, and consequently, the consumer would be billed for the consumption of someone...

The CNMC initiates proceedings against ENDESA for possible irregularities in the contracting of customers

Administrative and Regulatory Law, Energy

The National Markets and Competition Commission (CNMC) is once again putting the spotlight on ENDESA, this time due to an alleged breach of contracting requirements and customer empowerment. The infringement considered by the CNMC is related to article 66.4 of Law...

New General Telecommunications Law

Internet and Telecommunications Law, Legal News

On 29 June last, Law 11/2022, of 28 June, General Telecommunications Law was published in the Official State Gazette (BOE). The purpose of this law is to transpose Directive 2018/1972, of 11 December 2018, establishing the European Electronic Communications Code, as...

International Network of Law Firms

Uncategorised

Gavels Abogados has joined the international network of French-speaking lawyers Alta Juris International, which will allow us to continue to assist our clients in operations in French-speaking markets, as well as to assist French-speaking companies in operations in...