Dear Sirs ours
I address you as the holder of the contract 0030 / 1162 / 501 / 0000xxx, corresponding to the credit card "Ten in One" opened in the branch of Puerta de Hierro, Madrid, in order to claim following the return of the improperly collected fees from the opening of the account and I've outlined below;
- "Commissions on cash / over-limit / transfer on account / purchase EMU countries, collected on several occasions since opening the account , for various amounts.
First point out what could be a bad banking practice by not correctly specifying the commission charged, because The term "commissions on money / over-limit / transfer on account / purchase EMU countries" does not clearly specify the concept by which the commission is charged. In any case, I conclude that the commission may be due to excess limit.
Since I no longer have the contract of the credit card, know if such "commissions on money / over-limit / transfer on account / purchase EMU countries" are contained in it and if they are properly settled. Criterion is
Bank of Spain so you can charge a commission, it must correspond to services actually rendered and to be a firm request by the customer. In this regard I understand that this excess over card limit has not been requested at any time by the client, being a unilateral decision by the bank. In addition, the Bank of Spain does not consider an excess over the limit as a banking service itself, so that does not correspond to collect any fee beyond the interests of 22.56% APR.
Because I believe that the excessive commissions do not correspond to a service, I understand that the APR should be added the amount of such fees, raising the resulting interest well beyond case law of the repeated application Act of July 23, 190 8 Enforcement of Usury (Gaceta de Madrid 206/1908, of July 24, 1908), Article 1 states that "It will void the loan agreement which stipulates that a significantly higher than normal interest money and manifestly disproportionate to the circumstances or conditions that it be predatory "
I appreciate that I answer within 2 months stipulated by the regulations of the Bank of Spain, and if not receive a reply within this period or if it is contrary to my interests, I shall seek an opinion from the Complaints Department of the Bank of Spain.
Regards,
Signed, Isabel xxxxxxxxxxxxxxx
DNI; 149xxxxxx
our 
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