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Parliamentary questions
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11 September 2017
Question for written answer E-005626-17
to the Commission
Rule 130
Syed Kamall (ECR)

 Subject:  Spanish mortgages with a ‘cláusula suelo’
 Answer in writing 

I have been contacted by a constituent who took out a mortgage with the Spanish lender Banco Sabadell in 2005 with a ‘cláusula suelo’ in place. However, the European Court of Justice and the Spanish Supreme Court have since ruled that cláusulas suelo are unlawful, meaning that any bank that had offered a mortgage with a cláusula suelo must reimburse its customers who under such a clause had paid more than was necessary. Since this ruling, my constituent has attempted to reclaim the money to which he is entitled from Banco Sabadell, but he claims that the bank has neglected its responsibility to reimburse him. In order to receive the money he is entitled to, my constituent must hire a lawyer.

Is the Commission aware of Banco Sabadell’s refusal to reimburse customers who have taken out mortgages with a cláusula suelo?

What action does the Commission plan to take against the Spanish authorities to ensure that Banco Sabadell and other Spanish banks reimburse customers?

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