Supreme Court Decides What Makes a Loan UnfairBackground to the Case

loan-debt

Although the particular case under appeal was not truly a case involving a loan , but rather an example of a consumer credit that could have been arranged over the phone, such that loans are transferred to the borrower’s bank account or by using a card issued by the financial institution, the law was held to apply and, in particular, Article 1 since Article 9 states : ” the provisions of this Act shall apply to an operation substantially equivalent to a loan of money , whatever form the contract may take, and the guarantee of compliance upon which basis the loan has been offered.

The flexibility of the rules contained in the Repression of Usury  Act 1908 has allowed the jurisprudence in this area to adapt the application of that law to new and diverse social and economic circumstances. In the case under appeal , those rules had to be applied to a credit transaction which , by by it’s nature , can be considered to lie within the ambit of ​​consumer credit.

The Civil Chamber of the Supreme Court in its judgment of 25th November 2015 considered that the judgment appealed from the  lower court infringed Article 1 of the Law of Repression of Usury in that the credit agreement must  be considered usurious , as were present the two mentioned legal requirements.

Related Services

13 office locations

Testimonials for our Consumer Protection service
  • John Grant
    John Grant, Arrecife, Lanzarote

    Very sympathetic. Excellent advice.


    May 16, 2019
  • Emerson D'Abbot-Doyle
    Emerson D'Abbot-Doyle, Fuerteventura

    Cristina’s level of approachability was second to none & was very empathetic of our family situation & was very adaptable to changes in circumstances as they arose.


    Her professionalism throughout was unquestionable & I wouldn’t hesitate in using her again or recommending her to others. Service was perfect in every way.


    Apr 29, 2019
  • William Bain
    William Bain, Alicante

    Jose was extremely helpful - I would definitely recommend him to friends.


    Apr 17, 2019
  • Pearse Dunne
    Pearse Dunne, UK

    Jose is one of the most professional and reliable people I have ever had the pleasure to deal with. He is fully versed in the law and gives excellent advice. His services are excellent value for money.

    I have no hesitation in recommending Jose and will definitely be using his services again


    Mar 28, 2019
  • Rachael Barber
    Rachael Barber, Granada

    Alvaro was an excellent advocate. He was always available and very helpful. His English is excellent as well.


    Highly recommend working with him to anyone :)


    Mar 20, 2019
  • Colin Johnson
    Colin Johnson, Sevilla

    Very helpful, especially as English and Spanish law has it's differences and my final document - a testament -  required the services of a notary and the final translation.


    A pleasure to meet Rafael and to discuss my needs and he made the whole process straightforward with lots of common sense solutions. ***** 5 stars and highly recommended.


    Mar 15, 2019
  • Justin Culmer
    Justin Culmer, United Kingdom

    Alvaro was professional, approachable, and very responsive while supporting me with the formal and legal processes in assisting me purchasing my new home in Spain.


    He was consistent in all communication and very informative.


    To improve the service I would suggest to provide a formal summary document of all legal services and formality checks carried out on the property purchase process, (as done in the UK) as a final overall document given to the client.


    Mar 14, 2019
  • Victoria Aspey
    Victoria Aspey, Lanzarote

    Erardo was always there to answer questions and help in any way he could. I will certainly use him again in the future.


    Mar 12, 2019
  • Sue Gaunt
    Sue Gaunt, Lanzarote

    He always responded promptly to any enquiries and really took time to explain things I wasnt sure about


    Mar 05, 2019
  • Christopher Studholme
    Christopher Studholme, Arrecife

    Erardo has worked for me before and he has always been 100% efficient and always completed tasks which I have requested. I recommend Erardo to anyone who needs assistance in Spain or Lanzarote

    No, it was excellent


    Feb 28, 2019
  • Keith Naylor
    Keith Naylor, Fuerteventura

    Very satisfied with the service provided. Cristina is bilingual.


    Feb 22, 2019
  • Jason Baker
    Jason Baker, Estepona

    Alvaro was transparent throughout the process and instilled a confidence in me that he would get the job done, which he duly did!


    He was persistent and diligent with his approach, which meant that an issue that i had for 2 years was no longer one.


    Regarding the above KPI's of measurement, he was top marks for all of them. I am genuinely satisfied with the service.


    Feb 13, 2019
  • Alison Hamilton
    Alison Hamilton, Fuengirola

    Kept us informed every step of the way, very efficient and very pro active.


    Absolutely excellent!


    Feb 12, 2019
  • Paul McAteer
    Paul McAteer, Ukraine

    Jose was excellent in every way and he will now tend to all our business in Alicante


    Feb 05, 2019
  • David Tyrrell
    David Tyrrell, Alicante

    Jose Antonio was very helpful. Would definitely recommend him to friends.


    Jan 29, 2019
  • Vivien Yao
    Vivien Yao, UK

    Worked with Rafael for a project. He is very professional, efficient and helpful.

    Thanks Rafael!


    Jan 17, 2019
  • Florence
    Florence, Fuengirola

    The service was quick and satisfactory. I was impressed by the lawyer's work. Very professional, easy going and communicative. Everything was perfect!


    Jan 08, 2019
  • Ryan
    Ryan, Alicante

    José was an absolute professional from start to finish. Every deadline was met on time. José made the process for us extremely comfortable and straight forward.


    He went over and above his position to help us finalise certain things related to our case, and quite honestly, if you get an opportunity to use his services, you will be more than happy with the outcome.


    Thank you again José and I wish you the best for you and for your family!


    Jan 07, 2019
  • Lloyd
    Lloyd, Seville

    Rafael was always there for me. He catered to my schedule rather than me to his.


    Jan 07, 2019
  • Simon Luddon
    Simon Luddon, Alicante

    This is the second time we have used Jose . Excellent service, Excellent value for money, replied to emails within two hours.


    We just told Jose what we wanted and he just got on with it. I can't praise him highly enough. There is no need for improvements.


    Jan 07, 2019
  • Samuel S Perrie
    Samuel S Perrie, Scotland

    Great service, always very attentive communication, was excellent via email and Skype, always let me know what was happening stage by stage.


    Nov 20, 2018
  • David W Baker
    David W Baker, Malaga

    We were extremely satisfied with Alvaro: He explained the law to us and gave us a solution to our problem.


    He could not have been more helpful and we will definitely use him again.


    Nov 06, 2018
  • Manoochehr Jafari-Nahad
    Manoochehr Jafari-Nahad, UAE

    Jose-Antonio was extremely helpful and prompt and also it was helpful that he could be contacted via social media like Whatsapp


    Oct 13, 2018
  • Michele Jansen van Vuuren
    Michele Jansen van Vuuren, Benajarafe

    Alvaro was extremely helpful, he couldn't have done more. Very quick to respond to my query.


    Only issue was that some of the documents I needed to provide were not mentioned. However, would definitely recommend his services to friends.


    Oct 13, 2018
  • David McChesney
    David McChesney, Puerto Banus

    Alvaro was very professional, Knowledgeable of the subject at hand, did not over-charge - in fact cut costs in the best way for me.


    Very efficient in the entire process. Thank you.


    Oct 03, 2018
  • Patsy Valentin
    Patsy Valentin, Granada

    Extremely accommodating and highly professional and very pro active. Excellent result and service. Highly recommended.


    Sep 11, 2018
  • Jovie
    Jovie, Malaga

    My lawyer Alvaro was extremely helpful and very efficient. I would definitely recommend his services to friends.


    Sep 05, 2018
  • David Grundy
    David Grundy, UK

    Jose was very polite and we received an excellent service from him.


    Nothing was to much trouble and his communication was 2nd to none. Highly recommended!


    Aug 24, 2018
  • John Ryan
    John Ryan, Derby, England

    A perfect relationship between client and professional. Nothing was too much trouble.


    Went over and above his job and more. I would only use his services if I need legal services. I were very lucky to find Jose first time round.


    Thank you jose


    Aug 08, 2018
  • Claire
    Claire, Fuengirola

    Alvaro assisted me during my experience at advocate abroad, and he was so kind. He answered any questions I had, and made me feel completely at ease.


    I knew I was in the hands of a professional. He could not have done more to help me.


    Jul 04, 2018
  • Paul and Joyce Rose
    Paul and Joyce Rose, Mijas, Malaga

    Extremely helpful and very professional. Will definitely use Alvaro next time we require legal advice.


    Jul 04, 2018
  • Nigel Whinnett
    Nigel Whinnett, Esher, UK

    Professional, friendly, efficient service, good value, a pleasure to use the services of the lawyer and his team. In depth knowledge of the relevant laws, taxes etc.


    Would highly recommend and use again.


    Jul 04, 2018
  • Claire O'Gara
    Claire O'Gara, Fuengirola

    I liked Alvaroós enthusiasm, and the great level of customer service. He always answered my questions thoroughly.


    Jun 27, 2018
  • MF
    MF, Lanzarote

    My lawyer Cristina was extremely understanding , friendly and reassuring. With Cristina on my side, it gave me confidence to continue.


    May 21, 2018
  • David Pratt (Fuengirola)
    David Pratt (Fuengirola)

    Alvaro was helpful and knowledgeable. My problem was solved rapidly and effectively.


    May 04, 2018
  • George Salib
    George Salib, London

    Jose Antonio was very professional and has assisted me in every step of the purchase of my flat in Alicante.


    He also assisted me by advising of the most suitable area according to my needs. His commitment and dedication is excellent.


    Jose Antonio was very easy to approach and happy to help in any way he can.


    I will definitely recommend him to my family and friends.


    Apr 23, 2018
  • Julie Smith
    Julie Smith, Torrellano

    I can't compliment my solicitor enough.


    From our initial meeting right through to my ultimate divorce (with no unpleasant surprises the entire duration of the entire process), he immediately responded to my many enquiries, always had mine and my daughter's best interests at the forefront of any considerations and was well worth every penny of his extremely reasonable fee.


    Excellent value for money, totally approachable and very professional and understanding. I highly recommend him and will continue to retain his services for other matters in the future.


    Apr 20, 2018
  • David Pratt
    David Pratt, Alhaurin del Grande

    Alvaro gives me confidence that he understands the issue and gives me practical solutions. He works rapidly and efficiently. I would strongly recommend his services.


    Apr 13, 2018
  • Phil Loughton
    Phil Loughton, Las Lagunas de Mijas

    Alvaro was extremely helpful and the simple process I needed managed was dealt with quickly and efficiently. I would certainly recommend him to friends.


    Mar 20, 2018
  • John Burchell
    John Burchell, Arroyo De la Miel

    Alvaro was very professional, helpful and friendly.


    Understood things quickly. Explained things well in English. Very easy to contact at any time.


    Mar 20, 2018
  • Martina
    Martina, Plymouth

    Erardo was fantastic and helped immensely during a very difficult situation.


    He consulted with my lawyer in the UK and explained to her what needed done. Without him the situation would not have been resolved. He was very understanding and I would have no hesitation whatsoever in recommending him. Outstanding.


    Mar 05, 2018
  • Tony
    Tony, London

    The service I received from nada was very helpful.


    The tasks were completed to the highest standard and would definitely use her services again in the future. All correspondence was received in a very timely manner. Highly recommended.


    Feb 28, 2018
  • Ali Hashemi
    Ali Hashemi, Alicante

    Rafael was extremely helpful, accommodating and understanding. He couldn't have done more.


    Feb 14, 2018
  • Stephen Grundy
    Stephen Grundy, Alicante

    Jose-Antonio's services are exemplary. Very satisfied and would definitely use this lawyer again.


    Feb 01, 2018
  • Norman McElroy
    Norman McElroy, Northern Ireland

    Erardo was very professional, always available and most courteous in all the dealings I had with him.


    I would be happy to recommend Erardo to anyone.


    Jan 18, 2018
  • Delphine Harrison
    Delphine Harrison, England

    Jose was excellent from my initial contact to the exchange of the contracts, always responding quickly to my emails even out of work hours, very professional and understanding.


    Jose made the whole experience stress free and quite enjoyable, I would highly recommend him for anybody needing legal advise or business abroad.


    Dec 21, 2017
  • JMB
    JMB, Alicante

    Jose-Antonio was very helpful, always happy to assist. I was very satisfied with the service and would definitely use this lawyer again.


    Dec 19, 2017
  • Eric Van Der Straeten
    Eric Van Der Straeten, Belgium

    Mr. Sempere Gelardo was a pleasure to work with. This lawyer has an understanding of difficult matters that surpasses most of his colleagues.


    He replied to my demand the next day and in fluent English assisted me in the case I presented to him.


    His professionalism, together with a lot of empathy, gave me a feeling of security. The results were of the same high standard.


    I can only thank him and would recommend him to anybody who is in need of legal assistance in the region of Alicante.


    Nov 17, 2017
  • Peter Brumder
    Peter Brumder, England

    Alvaro has always been very approachable and friendly and I value his judgement and advice.


    Alvaro has taken away the headaches associated with a property abroad and has helped me with all my problems including payment of bills, decorating and taxes.


    I couldn't have coped without him


    Oct 04, 2017
  • Dariush Mirzajani
    Dariush Mirzajani, Scotland

    My solicitor was very honest and helpful.


    I am recommending him to my friends on their legal matters - everything was above my expectations.


    Sep 12, 2017
  • Graham & Karen Pell
    Graham & Karen Pell, Nottingham England

    I found Erardo very approachable, he always answered all the questions that we asked of him quickly, giving us all the information we needed.


    He offered a good value for money service & met with us anytime we needed assistance, but did provide most of the information we needed by e-mail (which were all in good quality of our language - English).


    I would use Erardo again to do other legal matters & would not go elsewhere e.g. writing our Spanish wills etc. We would recommend him to others if asked.


    Sep 05, 2017
  • John Wedlake
    John Wedlake, Murro de Alcoi, Spain

    Very satisfied with Jose-Antonio's service, in particular I appreciated the completely honest appraisal of the situation. Will definitely use this service again.


    Jul 30, 2017
  • Frode Rødøy
    Frode Rødøy, Horadada

    He was very good at explaining my position and my chances to win / not win the case. He gave me many good advises in the process. He explained how the legal system works in Spain and how I best could position myself in order to win the case.


    The result of the case was an agreement outside the court where I got it exactly how I wanted. Perfect!


    Jul 14, 2017
  • Stephen Perrie
    Stephen Perrie, Scotland

    Absolutely first class service. Fast very efficient and kept me informed at every stage. Answered every single e mail even just to be polite sometimes.


    Would definitely recommend this man service and his staff. First contact till completion.


    Jul 05, 2017
  • SRK
    SRK, Malaga

    We appointed Alvaro for a local business purchase. We would have to say he was extremely thorough and efficient in his workings, very approachable and his response time to queries was typically minutes from e-mails/messages.


    Alvaro also kindly assisted with other areas associated with our move to Spain.


    Jun 02, 2017
  • D slocombe
    D slocombe, Spain

    Jose is very friendly and understanding.


    I am very satisfied and I would you use the same lawyer again in the future.


    May 19, 2017
  • Uwe Gerhard
    Uwe Gerhard, Fuengirola

    Everything was done very well and on time.


    Alvaro was extremely helpful, he couldn't have done more.


    May 08, 2017
  • Richard Anthony Poole
    Richard Anthony Poole, Johannesburg, South Africa

    Very responsive, very understanding, value for money, has a great ability to explain and provide the appropriate legal solutions, very approachable and very professional in dealing me.


    May 03, 2017
  • Andriy Shevchuk
    Andriy Shevchuk, Ukraine, Lviv

    Jose Antonio is a very professional lawyer. He have very good experience and clear vision of case. Also digging deeply in all details.


    Very professional Lawyer.


    Apr 05, 2017
  • Mike Hartley
    Mike Hartley, United Kingdom

    Jose was extremely helpful, he couldn't have done more.


    I´m very Satisfied and I definitely use the same lawyer again in the future if I need it.


    Mar 27, 2017
  • Eric Ward
    Eric Ward, Solihull

    José did more than I expected to help me in my situation.


    He was, at all times, helpful, patient, tuned-in to my needs, polite and courteous. I would not hesitate to recommend him to others, in my situation.


    A good, understanding lawyer!


    Feb 24, 2017
  • Louise Kirby
    Louise Kirby, Alicante

    Jose Antonio is a very dedicated lawyer. He ensures he has a deep understanding of the case and provides excellent advise on a range of issues.


    He has often replied to queries out of hours and works hard to provide the best outcome for his clients.


    His service is outstanding and I would highly recommend him.


    Feb 15, 2017
  • HEEC
    HEEC

    I am a lawyer myself and must have stormed Alvaro with thousands of questions. He immediately replied to all my queries. He is a really helpful and approachable person.


    I will not hesitate in recommending his service to anyone. If I have to rank him out of 10 he will get 9 for sure.


    Feb 08, 2017
  • Alan and Ann
    Alan and Ann, Denia and UK

    Very hard working and obliging. Always available for calls and emails from the UK. Over a very extended period Jose remained very focused, professional and friendly.


    We'd have no hesitation in recommending Jose Antonio to others.


    As buyers from the UK we were very grateful for his guidance and professional expertise.


    Feb 01, 2017
  • Tony McHugh
    Tony McHugh, Monte Pego

    Jose was very helpful and kept us well informed and looked after our interests on the actual exchange day rather than being bullied by the vendors legal solicitor.


    Considering it was all done from a distance and via email the transactions all went very smoothly thanks to Jose.


    Jan 12, 2017
  • Svein Skovly
    Svein Skovly, Norway

    My wife and I are very pleased with the services we received when we acquired an apartment near Alicante.


    We have also been assisted in resolving practical issues regarding the take over of our apartment. We definitely see that we have received great value for money.


    I definitely recommend José A., and we will seek his advise again if needed.


    Jan 06, 2017
  • Paul McG.
    Paul McG., Fuengirola

    He provided the help I needed in a professional!


    His manner and this help was well worth the fee. As I told Alvaro, if in the future I have any legal problems here he will be my first port of call.


    Dec 15, 2016
  • Leigh Weatherell
    Leigh Weatherell, Kenya

    Jose's professionalism, protectiveness and attention to detail is second to none.


    Dec 13, 2016
  • AS
    AS, Denmark

    Jose was very helpful, always happy to assist.


    I am very satisfied the service provided by my lawyer.


    Dec 08, 2016
  • Robert Ludlam
    Robert Ludlam, UK

    Jose was very helpful and responded to my question by return.


    I would definitely use the same lawyer again in the future.


    Nov 24, 2016
  • Abi Carr
    Abi Carr, Mijas Costa

    Alvaro assisted me through an extremely difficult and complex situation. At all times he was professional, reassuring and diligent, explaining anything I did not quite understand, and working tirelessly on my behalf.


    He kept me informed throughout, always responding to my calls and emails very quickly. Excellent service, and value for money. I highly recommend Alvaro. I would not hesitate to use him again.


    Oct 28, 2016
  • AD
    AD, Alicante

    Jose gave me information on tax implications of different inheritance options, with forms, figures and useful advice for the future.


    He was very friendly and approachable, I would you use the same lawyer again in the future.


    Oct 15, 2016
  • R Theobald
    R Theobald, UK

    Jose was very helpful and couldn't have done more for us.The advise was good and very professional.


    He is very easy to deal with and we would highly recommend him.


    Oct 11, 2016
  • S & J Barron
    S & J Barron, England

    Jose Antonio was very understanding and patient.


    I am very Satisfied, he couldn't have done more.


    Oct 05, 2016
  • Jill Clash
    Jill Clash, Lanzarote

    Found Erardo very helpful and understanding, felt very comfortable talking to him.


    Would definitely use his services again. Unfortunately after all the initial paperwork, payments, doctor and court visits the case was unable to go ahead as no-one was able to trace the owner of the premises where the incident occurred.


    Sep 13, 2016
  • CSA
    CSA, Alicante

    Jose Antonio always got back to us promptly and was very good at explaining the legal terms so that we could fully grasp the implications of any Court processes.


    He was pragmatic and although positive, kept us informed of possible outcomes both positive and negative. This enabled us to make informed decisions at all times. At all times, I felt that Jose Antonio had confidence in his own ability and was fully competent, without being arrogant.


    Sep 08, 2016
  • James Archer
    James Archer, London

    We bought a flat near El Campello and Jose Antonio made it stress free and straightforward. I could not recommend him more highly. The whole process of purchasing a property in Spain was very clearly explained alongside different options we would have at each stage.


    Jose Antonio always responded within a day and also prompted us when he needed information. He was always able to fit in around our schedule when we were in Spain for short visits. I thought the price was good value.


    Sep 03, 2016
  • Caroline & Kevin
    Caroline & Kevin, UK

    Alvaro was approachable, reliable and his instructions were clear. He was easy to communicate with and we felt he had our best interests at heart.


    His English is excellent and he offered excellent value for money.


    Sep 02, 2016
  • John Walsh
    John Walsh, Guardamar

    Jose is excellent and gives a service that is first class and very professional.


    I definitely use the same lawyer again in the future.


    Aug 11, 2016
  • Pamela Jakeway
    Pamela Jakeway, Carchel

    I am very satisfied with the service provided by Alvaro.


    He was very helpful with a good personality.


    Jul 14, 2016
  • Susan Carol
    Susan Carol, Thailand

    I was very satisfied with Alvaro.


    We could understand each other.


    Dealt with my difficult case extremely well. Pleasant manner.


    Jun 05, 2016
  • Andrew Brown
    Andrew Brown, Qatar

    Francisco is extremely helpful, couldn’t have done more.


    He is absolutely first class and professional service. Provided over and above all my requirements.


    May 25, 2016
  • JC
    JC, Hastings England

    We would recommend Alvaro as he provided us will invaluable help toward the purchase of our property, speaks very good English, and always kept us informed of matters.


    He was simply a fantastic link between us and the prurchaser and we will continue to use his services and would recommend him to anyone who is needing legal advice.


    Apr 21, 2016
  • Martin Rawlings
    Martin Rawlings, Baza

    I am very pleased with the time and trouble taken by Álvaro in advising me and acting on my behalf.


    His English was more or less fluent and I would definitely use his services again.


    Apr 07, 2016
  • AHJ
    AHJ, Alicante

    I found José personable, articulate and very helpful.


    Almost all reasons for going to a lawyer are stressful but I found his manner and advice made the process of my divorce straightforward and without complications.


    Mar 07, 2016
  • Natalie knowles
    Natalie knowles, Torquay

    Erardo always returned emails to any of our questions straight away. We thought he was great value for money and he made it very straight forward to understand all the legal procedures and went out of his way to help us.


    He was extremely approachable and professional.


    Mar 01, 2016
  • David L
    David L, Ireland

    Erardo was always happy to assist.


    He was approachable and professional in all dealings however I think that both lawyer and translator fee’s generally could be more competitive for straight forward conveyancing work.


    Feb 29, 2016
  • Samuel Fee
    Samuel Fee, UK

    Jose was very attentive and explained everything in full.


    After he attended the Notary he travelled from Denia to Moraira to help us with opening our bank account. He has also contacted Utility companies on our behalf and informed them of the change of ownership.


    I will continue to use Jose for any future legal work I may have in Spain.


    Feb 29, 2016
  • M Breeze
    M Breeze, Nuneaton

    Very satisfied with the service.


    Erardo was extremely helpful – he couldn’t have done more. I will definitely use his services in the future.


    Feb 25, 2016
  • George Denissoff
    George Denissoff, Granada

    Alvaro is very responsible, conscientious and professional.


    His help in handling our property purchase proved invaluable.


    We will gladly recommend him and use his services in the future!


    Feb 24, 2016
  • Dariusz Wilamowski
    Dariusz Wilamowski, UK

    Jose Antonio is very nice person. Very helpful,perfect spoken English. He knew exactly what to do - he is Profesional.


    All was profesional and quick as possible. Would recommend his service to everyone.


    Jan 19, 2016
  • Carol & Keivan Borhani
    Carol & Keivan Borhani, London

    The service we have received from Jose-Antonio in our property hunt in Alicante has been very professional.


    We found him caring, responsive and patient in explaining different aspects of the purchase to us. His fees were most reasonable and on many occasions, he went beyond the call of duty. His command of English, both spoken and written, is excellent and we have no hesitation in recommending his services to others.


    Oct 30, 2015
  • Anne Robinson
    Anne Robinson, Torrevieja

    Jose Antonio responded to my questions promptly and comprehensively. He offered me options to keep my costs down and understood my priorities.


    He is extremely personable and approachable and didn't mind all my questions. He is a credit to his profession and I will contact him if I have any further Spanish legal matters. I also recommend him to any other clients.


    Sep 10, 2015
  • John Fitzpatrick
    John Fitzpatrick, UK

    Outstanding advice and service Jose was polite courteous and responsive and very sensitive in dealing with my fathers complex bereavement case.


    Jun 29, 2015
  • James Charles
    James Charles, Denia

    Jose-Antonio was extremely helpful, couldn't have done more.


    In terms of responsiveness, understanding, value for money, ability to explain and provide appropriate legal solutions, I would give him top-marks on all.


    Jan 20, 2015
  • Susan Basham-Gamble
    Susan Basham-Gamble, Wokingham

    My lawyer was very helpful and professional giving a personalised service and nothing was too much trouble. All questions and queries were answered fully.


    Excellent value for money and good advice given throughout. Will definitely use his services again.


    Nov 09, 2014
  • NW
    NW, London

    My lawyer was extremely helpful, couldn't have done more. I was very satisfied with the service provided.


    His English was of a sufficient level and I found him to be personable and professional.


    Oct 28, 2014
  • AS
    AS, Brussels

    My lawyer spoke English more or less fluently and was very helpful.


    He responded quickly to my request, understood the issues concerned and provided understandable and useful advice. A clearer pricing structure would have been helpful.


    However, I was satisfied with the service and would definitely use this lawyer again.


    Oct 23, 2014
  • Ian H
    Ian H, UK

    Nothing was too much trouble, efficient and didn't charge for additional help when he could have done.


    Aug 06, 2014
  • S J Davies
    S J Davies, Alicante

    Jose-Antonio was extremely helpful, couldn't have done more. I would definitely use his services again.


    Jul 28, 2014
Send Your Enquiry
Are there public holidays?

Enquiry sent. Thank you!

Please fix errors