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Why use Costa Luz Lawyers?

Listen to Keith Rule, the CEO of our UK office, explain in his own words how he fought and won the first case against Spanish banks. Keith’s landmark ruling paved the way for thousands of off plan buyers to claim their money back

Keith Rule - Actions Against Banks in Spain

In this video Keith Rule explains how he and Costa Luz Lawyers have used a specific law in Spain to...

Keith Rule, CEO of our UK office, was and is, the main advocate for the liabilities of banks in off plan developments in Spain. His fight began in 2007 and his continued efforts and lobbying has led to the development of Supreme Court ‘Case Law’ relating to the liabilities of off-plan property developer’s banks according to their obligations under Spanish Law, LEY 57/1968.  He has been called the ‘Erin Brockovich’ of Spanish off-plan property.

“Hi Maria, I’d like to say thank you to you and your team on winning the court case for El Patio. All of your staff were very polite and spoke very good English. Your company is a credit to your country especially with everything going on around the world at the minute. All the best

Roger Woodall”

“I am extremely happy with the service I have received from Manuel Guerrero who has successfully managed to cancel my time-share contract which I have been struggling to do for many years. He kept me fully aware of everything that was happening and managed to conclude the work required very quickly. I would recommend this Spanish law firm to anyone, they have been brilliant.

Dawn Lyndon

I cannot praise Maria and her team highly enough. After being misinformed by the builders representatives and legal people it was very reassuring to speak to Maria and very pleased with the successful outcome.

Nigel Dix

“We want to let everyone know how the lawyers at the Costaluz Lawyers – have really saved us! We bought an off-plan property on the Costa Blanca several years ago. As everything changed, and the developer didn´t do his part we had to make a breach of our contract. We really hoped that we would be able to get our money back which we had payed the company for the property. We were really not at all sure that it would happen. We saw some recommendation of the Costaluz Lawyers here on the Eye-on-Spain site and decided to talk to them about our trouble. To make a long story short, they really, really came through for us. We did not only get our money back – all of it, we got the interests and costs as well! We can´t say it often enough – but THANK YOU – COSTALUZ LAWYERS. We are ever so grateful. You did a fabulous job and we want you to know that we really, really appreciate your efforts which was a success! Best wishes from us,

Bergur Gunnarson

We decided to buy a villa off plan in Spain, and all was going well until it was discovered the builder did not have permission and as it turned out the bank did not honour their obligation of a bank guarantee either. We started to think that this was another example of unscrupulous developers and banks purposely cheating us out of our deposit. We had the support of Keith Rule who formed FPAG and enlisted Mari­a Luisa De Castro of Costa Luz Lawyers who worked so tirelessly on the case…”

Terry Sharp

“Are there a stronger words than thank you from the bottom of our hearts to both Keith and dear Maria. Getting our deposit returned is a great achievement and to us, my Wife (Shirley) and myself it is of so much importance. Best wishes to all who have been involved. Kind regards,

Shirley and Tony Bartlett

“Maria and Jaime have shown nothing but professionalism and enormous enthusiasm in their litigation against Cam Bank. They were employed by a Consortium of approximately 60 members to retrieve their Bank Guarantees from the above following the failure of the Finca Parcs Project. This they achieved and both myself and Linda will be eternally grateful for their efforts. Regards,

Paul and Linda Williams

“I would like to take this opportunity to thank Costa Luz Lawyers for all the hard work they have done for us and getting a good result in the end. We never thought we would see the day when we would get our deposit back which we put down for 2 houses at Fina Parces in 2006, but there it is in black and white. Thank you once again. What can we say about Keith Rule what we have not said already, not only is he professional in the work he has done for us, but he is so helpful and kind no one else could or would have given us the help he has, but not only that he is so genuine with it. Thanks again Keith. See you all at the party were we can Thank you all personally. Kind regards

Jim and Carole Bates

“We would like to give a big thank you to Maria and staff for getting us our refund of our deposit from the Corvera development. We were on Phase 3 and with no house being built we asked Costaluz Lawyers to look at getting our deposit back from the developer. We know it takes time ,however the result was perfect and we received our Money shortly after the decision was granted in our favour. We are pleased to pass on our recommendations to use Costaluz Lawyers for anyone looking for a hard working team to help with any Legal issue you may have.

David and Lorna Kelly

I trust you are fit and well. Many thanks for your dedication to this whole task and for your tenacity to the very end, I’ve said it a few times before and I’ll never tire of saying it – I really really appreciate it Thank You!! Best Regards,

John Turner

None if this would ever have been possible without your commitment and passion and I thank you very much. Kindest regards

Shani Payne

would like to thank Maria and her team for getting a positive result of my request for Dation (HBKeys). I had nearly given up hope as it had been a couple of years but I would urge anyone not to give up hope as it does take a while and patience is all that is needed.

Isabella

We used Costa de Luz lawyers to negotiate with our bank to take back our property in Spain and cancel the mortgage. Whilst due to the banking and legal process in Spain this was protracted , eventually due to the efforts of Costa de Luz we got our wishes. We found Costa de Luz to be very genuine and are indebted to them in helping resolve our issue

Alex Murray

Many thanks to Maria and her team. They helped us reach a fantastic settlement with our Spanish bank with regard to our property in Spain. I thoroughly researched solicitors in Spain before hiring Maria. I studied one of her previous cases in particular before hiring CostaLuz. Other solicitors had failed. Maria took on that very same case. This time with her know how and knowledge of Spanish property law, the court came down on the side of the property owner and not the bank. I can whole heartedly recommended Maria and her team at Costaluz.

Richard

Dear Maria L de Castro I would like to recommend this firm of Spanish Lawyers to anyone who is struggling with a mortgage or property in Spain they helped us resolve our problem with our mortgage/property in Spain which we could never of done ourselves. So to all the staff who dealt with us thank you very much.

Wendy & Gary

Thousands of off-plan buyers are entitled to refunds of their lost deposits from off-plan property in Spain. Some are not aware that they are entitled to a refund, whilst others are finding it really difficult to fight their case. That’s where CostaLuz Lawyers can help…if you purchased an off-plan Spanish property that has never been completed, or if you have completed the purchase but the house still doesn’t have a First Occupation License, we have the expertise to help with your claim.

As seen in…

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Our Service Includes

  • Claims against developer’s banks for advanced payments made for off-plan property purchases in Spain
  • Claims against banks for illegal properties
  • Claims against banks for handing back properties in lieu of the outstanding mortgage debt
  • Claims against banks for Floor Clauses (Cláusula Suelo) which effectively imposed a fixed interest rate in Spanish variable rate Mortgage contracts
  • Claims against banks for set up expenses in Spanish mortgages
  • Claims against Timeshare companies for mis-sold timeshare contracts in Spain

We are not a new firm or service launched on the back of the recent LEY 57/1968 Supreme Court Sentences.  We began research into the liability of off-plan property developer’s banks in 2008 and filed our first Lawsuit against an off-plan property developer’s bank in 2011, which was won with a landmark sentence in 2012.

We get asked a lot of questions about reclaiming off plan Spanish property deposits, here are some of the most commonly asked questions:

What am I entitled to claim back?

You can claim all amounts paid off plan, plus legal interest normally from the dates you paid to the developer’s bank account.  Legal costs may also be recoverable in some cases.

Are banks actually paying this money back?

Yes, they are. Banks are solvent entities that must comply with the law.  All banks with a firm court decision against them are refunding the claimants. Even if the developer’s bank no longer exists, action is still possible against the bank that has taken it over.

How safe is this action?

The Spanish Supreme Court has already interpreted the full text of LEY 57/1968 in favour of buyers/consumers, so the success rate is very high.

How liable are Spanish banks?

A recent supreme court ruling in September of 2016 has paved the way for further liabilities.

Does this apply if I bought more than one house?

It does, as long as you didn’t do so as part of your professional trade. It also applies if the contract mentioned these guarantees explicitly to secure the success of the business.

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