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José M.
José M., Attorney
Category: Spain Law
Satisfied Customers: 7615
Experience:  Spanish Attorney
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I have had a mortgage with Banco Santander for 15 years. I

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Hi, I have had a mortgage with Banco Santander for 15 years. I have been sending mone transfers to my bank for the payments. Last week I was sending a mortgage payment and it was returned due to my current account being blocked. I contacted the bank and was told it was due to me not giving annual information. It has been unblocked now and they helped me get on to my online account, which I have been asking my bank to do for years. I then saw that there was a large amount in my current account. It seem that the mortgage payments have not been made. I have received no correspondence we were there in August at the house and there was nothing, I had no reason to believe that the payments were not being made. I have many emails made to my account manager over the last year asking for my balance as I couldn't get on line. She never replied or told me anything was out of order. I have continued to pay all my local taxes and utilities. I don't know what to do. The person I spoke to has raised an issue as she could not see why the mortgage has not been paid. I am so worried, surely I should have been notified at my UK address as well as Spain, although I have had no letters. Please will you advise, I think I will need a solicitor. Thanks
JA: Because real estate law varies from place to place, can you tell me where this is?
Customer: It is in Almeria
JA: Has anything been filed or reported?
Customer: Not that I am aware of
JA: Anything else you want the Expert to know before I connect you?
Customer: no

Hi José M spanish atorney

If the bank knows your data and the data of the bank account its not your fault they dont take the money.

If they want to sue you at court they need to probe they tried Even blocked for you the account they coould get the money as depositors they are So contact them and ask for the reason they never take it and do not admit excuses.

It is not your fault if they miss to take some money they could


Customer: replied 7 days ago.
Yes, I am waiting to hear from them, but it looks like the mortgage account has been closed. Why would they do this without notifying me. Also I have found many emails where I have had to ask the bank the amount required for my account she did reply and let me know but then she stopped letting me know and I had no access to the online banking at that time. I have paid my mortgage for fifteen years with only five more years left.

Why would they do this without notifying me. Just nothing You have been paying with that money if they get on truobles later on they must notify you

So the problem if for they I supposed they will take your money and thats will be all Do not worry because in order to sue you at court they must probe they notify you several times before the demand be admitted to start the trial.

To probe it its a compusory requirment for they Judge will not admit a demand without this probes

Customer: replied 7 days ago.
Thank you Jose I will get back to you when I receive a response from the bank. I may then wish to speak with you by phone.

Thats will be perfect Even I could speak with them if they admitt so on your name I will be here if needed Please to rate positively my service at the starts Thank you

José M. and other Spain Law Specialists are ready to help you
Customer: replied 7 days ago.
Hi Jose

I have emailed the Customer Service at Grupo Santander, hopefully I will receive a response shortly.

Thanks for let me know Julie. I will wait for news from you

Customer: replied 5 days ago.
Hi Jose
I have not heard back from Banco Santander, I don't know what to do. I am worried they will repossess it. I have attached the email that I sent to them.

Hi Again Send them a letter for cerificate mail to

Banco santander


Código Postal 39004




It will be used in future if they try to sue you to reposes the propiety

Customer: replied 5 days ago.
Thank you Jose, I will do that today.



If you get some problems just let me know and I will send you an affer to try to contact somebody here at the bank as your atorney I am his client and may be I could get closer

I could send oyu an offer following the rules of tis site and I could send you my mail to be hired if needed Just let me know Thank you

Customer: replied 5 days ago.
Thanks Jose, I am happy to continue with this contract if this matter can be resolved. I will get back to you when I hear from them.

Thank you Julie

José M.

Customer: replied 5 days ago.
Hi Jose
I have received this response, I will notify you further when they have investigated.
Acusamos recibo a su atento escrito, que ha tenido entrada en el día de hoy en este Servicio de Reclamaciones y Atención al Cliente con número de referencia arriba indicado1.

Con esta misma fecha hemos iniciado los trámites oportunos para documentar y recabar la información necesaria para el estudio del asunto que nos plantea, con el fin de darle la resolución, en razón a los mismos, a la mayor brevedad posible.

Reciba un cordial saludo.

Ok. Its an automactly answer A boot machine It just says that the mail has been perfectly recibed and then they will study your case and they will answer you as soon as possible