Claiming revolving cards in Santander

Do you keep paying and paying while your debt never goes down? Revolving cards often carry interest so high that they become a trap. At BBM Abogados we assess your case and file a claim to recover your money.

Over 30 years of experience
Personal, close attention
First consultation with no obligation

Claim your revolving card

Why can they be claimed?

Usury

When the interest rate (APR) is notably higher than the normal rate for money, the courts consider it usurious. The Supreme Court has ruled in favour of consumers in several judgments.

Lack of transparency

If the contract did not clearly explain how the credit worked and its real cost, those terms may be declared void.

Revolving cards, an interest trap

Revolving cards are marketed as convenient credit: you pay a fixed instalment each month. But their interest rate (APR) is extremely high —often between 20% and 27%—, so most of what you pay goes towards interest and the debt barely goes down. The result is a debt that seems never to end.

If this has happened to you, you are not alone and, above all, you have options. At BBM Abogados, a firm in Santander since 1990, we review your contract and file a claim to recover what you have overpaid.

What can you recover?

If the card is declared void for usury, the effect is decisive: you would only have to repay the principal actually lent. Everything you have paid on top of that —interest, fees and other charges— must be refunded to you by the institution. In many cases we are talking about several thousand euros.

Why BBM Abogados?

Since 1990 we have been defending consumers against the banks in Santander and Cantabria, with a personal approach and complete transparency. We explain your case without jargon and without false promises. If you have a revolving card, tell us about your case with no obligation and we will assess it.

The process, step by step

1
Case assessment

We review your contract and statements and tell you whether your case can be claimed, with no obligation.
2
Prior claim

We submit the claim to the institution to try to reach an out-of-court settlement.
3
Lawsuit

If there is no agreement, we go to court to claim that the terms are void and seek the refund.
4
Refund

You recover the amounts you have overpaid.

The benefits of working with BBM Abogados

Real experience

Over three decades resolving cases in Santander and Cantabria give us a perspective that makes the difference.

Swift response

We know legal deadlines are critical. We act quickly so you do not lose any right for the sake of time.

Specialist team

Our lawyers are in constant training and up to date with every legislative change that may affect your case.

A close approach

Every client receives direct, personal attention. We explain each step clearly, without unnecessary jargon.

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What do our clients say?

EXCELLENT

Based on 106 reviews

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Marta Cavestany Alija

Excelentes profesionales, muy amables. Muchas gracias

María Fernández

En los temas en los que he contado con ellos son eficientes y muy profesionales. Totalmente recomendables.

Violeta Peralta Cancela

Muy buena profesionalidad, atención personal por parte de todo el equipo. Servicio muy satisfactorio. 👏☺️

Brigitte Peralta

Excelentes profesionales y un trato estupendo.

Carlos García

Grandes profesionales, te resuelven todas las dudas legales, rápidos y eficientes. Totalmente recomendable.

agua salada

Acudí a este bufete con un tema muy sensible y la atención, el trato, la dedicación y el resultado no pudo ser mejor. Grandes profesionales que trabajan con verdadera vocación.

Apartamentos Natura Cantabria

¡Personal 100% de confianza, grandes profesionales y trámites rápidos y eficaces! ¡Gracias!

Antonio Muñiz

Grandes profesionales.

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Who do we help in Santander and Cantabria?

From our office in the centre of Santander we provide full legal cover and defence to clients across Cantabria:

Individuals and families who need to resolve civil disputes, inheritance, separations or criminal defence.
Self-employed and professionals who need ongoing advice and tailored solutions.
Small and medium-sized businesses seeking preventive, commercial, tax or employment advice.
Clients in Santander, Torrelavega, Camargo and the surrounding towns who want a close, agile and effective firm.

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Frequently asked questions

What is a revolving card? +

It is a credit card on which you pay a relatively small fixed monthly instalment. The problem is that its interest rate (APR) is very high, so a large part of what you pay goes on interest and the debt barely goes down, sometimes dragging on for years.

How do I know if my revolving card can be claimed? +

There are two main grounds for a claim: that the interest rate (APR) is notably higher than the normal rate for money, which Supreme Court case law considers usury, and that the contract was not transparent. We review your contract and your receipts to confirm this, with no obligation.

How much money can I recover? +

If the card is declared void for usury, you would only have to repay the principal that was actually lent to you: everything paid above that (interest, fees) must be refunded to you by the institution. The amount depends on the number of years and the use made of the card.

Which institutions can be claimed against? +

A claim can be made against most institutions that market this product (banks and consumer credit finance companies). We assess your specific case regardless of which institution is involved.

What is the claim process like? +

First we submit a prior claim to the institution. If there is no agreement, we file a court claim. We accompany you throughout the proceedings and keep you informed at every step.

Experts in Claiming revolving cards in Santander

At BBM Abogados we put a team with over 30 years of experience at your service to advise you and defend your interests with a close, rigorous and results-driven approach across Cantabria.