Mortgages and mortgage loans
Review of mortgages, contractual terms, abusive clauses and possible loan-related claims.
View serviceConsumer association in Catalonia
Clear, close and transparent protection for consumers.
ACU-ABAE Catalunya informs, supports and defends its members in consumer disputes, with institutional rigour and a public-service vocation.
Main links
Find the right path quickly according to your need.
Become a member
Access the association’s external registration and take part in collective consumer protection.
Prepare a claim
Check protection areas, required documents and first steps.
Consumer campaigns
Follow information initiatives, statements and relevant alerts.
Transparency
Consult public information, reports and institutional documents.
Institutional trust
An organisation prepared to inform, claim and be accountable.
The website is designed as a living space for members, consumers and citizens: institutional information, campaigns, news, transparency documents and clear contact channels.
Services
Protection areas for consumer disputes.
Services organised by sector to better guide each query.
5 services
Banking and financial products
1 service
Utilities
1 service
Telecommunications
1 service
Insurance
IRPH
Guidance on mortgages linked to IRPH and transparency analysis in contracting.
View serviceFloor clauses
Analysis of floor clauses in mortgage loans and documents needed to assess a claim.
View serviceMortgage expenses
Review of notary, registry, agency, valuation and other mortgage formalisation expenses.
View serviceRevolving cards
Analysis of revolving cards, interest, statements, amortisation and contract conditions.
View serviceUtilities and billing
Queries and claims about billing, contracts, tariff changes, cuts or utility incidents.
View serviceConsumer sectors with frequent queries
Banking, telecommunications, utilities and insurance account for many consumer questions.
View blogCitizen protection
Useful information before, during and after a claim.
The association organises its content so each person can quickly find what to do, which documents to prepare and which channels to use.
- Banking services, telecommunications, utilities and insurance.
- Campaigns and institutional statements.
- Reports and transparency documents.
- Private panel to update content.
Transparency
Public information to strengthen trust.
Reports, institutional documents and public content are organised to facilitate accountability.
- Reports and public documents.
- Governing bodies and institutional functioning.
- Direct access to association documents.
Current affairs
Latest news and consumer advice.
ACU-ABAE incorpora una aplicación para informar al consumidor si paga de más en su factura de la Luz
ñjfasñljkhfjlñdsahk
How to prepare a consumer claim properly
Documents, deadlines and basic steps to file an organised consumer claim.
Transparency as a guarantee for members
Publishing institutional information strengthens trust and makes it possible to follow the association’s activity.
Take part