Was your mortgage payment unusually high?
You may have had a floor clause and could be entitled to recover all the overpaid interest — even if your mortgage is already paid off.
FLOOR CLAUSE
Why can you claim?
A floor clause is a hidden minimum interest rate in your mortgage contract.These clauses have been declared abusive when not clearly disclosed — and that means you could get your money back.
Your interest rate never dropped when Euribor did
It was hidden in legal jargon
You weren’t properly informed about the clause
Your contract wasn’t transparent
OUR PROCESS
How Dazzle Premium Refunds Works
Step-01
Free Legal
Assessment
We review your mortgage and estimate your refund
Step-02
Full Claim Management
We gather documents, prepare your claim, and deal with your bank
Step-03
Legal Action (if necessary)
If your bank refuses to pay, we take legal action
Step-04
No Win, No Fee
You don’t pay anything unless you recover money*
* If court action is needed, we’ll provide a clear quote in advance
What documents do you need?
To start your claim, we’ll need the following:
Mortgage deed
Recent mortgage statements or amortization schedule
ID Document
Contact details
WHY CHOOSE US
We turn abusive banking charges into real refunds
Our experienced legal and financial team handles everything on your behalf – no upfront payments, no hidden clauses. We only win if you do.
From reviewing your documents to negotiating with the bank (or going to court if necessary) we`re with you ever stepe of the way.
%
Successful Claim Rate
- 90%
No win, no fee
Expert legal partners
Personalized support
Can I still claim?
Yes. You can still claim even if your mortgage is already paid off.
There is no expiration period for declaring a floor clause null and void.
LEGAL BACKGROUD
The legal rulings that make your refund possible
Get informed about the latest court rulings and legal standards that make it possible to reclaim abusive banking charges. Curated by our legal team, updated for 2025.
Spanish Supreme Court – Ruling 241/2013: Declared floor clauses null if no transparent
European Court of Justice – Judgment OF 21/12/2016: Confirmed full retroactive refunds
Applies even if your mortgage is fully repaid
FREQUENTLY ASKED QUESTIONS
Reclaim your money. Restore your peace of mind
What is a floor clause?
It’s a hidden minimum interest rate that prevents your mortgage from dropping when interest rates fall.
How do I know if I had one?
Check your mortgage deed for terms like “minimum interest rate” or “limit to variability”. Or let us check it for you.
Can I claim if my mortgage is already paid off?
Yes. Courts allow claims even for fully repaid loans.
How long does the process take?
Out-of-court settlements usually take 2–6 months. Court cases may take 8–18 months.
What if the bank refuses to pay?
We’ll take legal action if necessary. If we don’t win, you pay nothing.
CONTACT US
Contact us – We`re here to help
Have questions? Want to know how much you could recover?
Reach out to us — no pressure, no commitment.
At Dazzle Premium Refunds, we believe in clear, honest communication. Whether you prefer email, phone, WhatsApp, or our contact form, we’re ready to answer your questions and review your case.