In the cases in which a bank initiates a merger process with another after having reached an agreement with a view to this objective, the clients of one or the other bank may notice some strange activity that is not recorded as theirs and may lead to suspicions. and necessary stress if they don’t understand what is happening, even if it turns out to be a win-win situation in the long run. In any case, you will have to be careful if it is about additional recharges under concepts that do not seem appropriate to you.
The reorganization of commercial networks for their optimization and the reassignment of clients in areas where the entities previously had separate offices are circumstances that, notwithstanding, the contracts and financial products that have been made with any of the banks involved.
In fact, in the case of mortgage or personal loans, they must consolidate exactly the same conditions that were previously agreed, in such a way that the client can pay the same installments that they paid before the merger took place. On the other hand, the conditions could change for accounts, products and cards that are contracted indefinitely or that will be renewed, although the changes must not be abusive and the entities must inform customers in plenty of time so that they can decide if they are not conforms
However, some clients in situations like this have reported that the Property Registry has forced them to pay a payment for a series of situations that they do not recognize as their responsibility, such as “merger and absorption expenses”. , “name change”, “bank subrogation” or “prior transfer” that are included with the amount of the mortgage cancellation.
Although it is unfortunately common for some clients to resign themselves to accepting these surcharges, the people who have decided to damage the front have taken these cases to the Supreme Court, whose rulings have set a precedent that charges the borrower the registration expenses generated by transmissions agreed between banking entities is an illegitimate practice that threatens the client.
For this reason, people who are in the same or similar situation should claim the bank as soon as possible to be reimbursed for the money paid. And if the banks refuse to comply with this request, you enter a situation where they can be accused of going against good banking practices.