Adicae believes that "Congress and Senate must resolve the problem of law 'clauses ground" mortgage ".
Users Association of Banks, and Insurance (Adicae) believes Congress and Senate "are constituted today as the true way of resolution, via law, the serious damage that the 'ground clauses' of mortgages cause consumers in Spain. "
In a note, Adicae consider "clear perspective that you can deploy to almost four million families in the courts for the resolution of a problem of such scope and impact as these, neopoints on neopets, conditions imply that, given any judgments until they are firm, so the problem remains unresolved and continue years until obtaining a final court order. "
To Adicae "to a global problem only collective action is valid in court and before this situation, millions of mortgaged a flagrant abuse victims, is not solving any partial recourse to the courts."
Adicae Therefore,, gaia items, I present a total of 61 applications for conciliation against countless other entities, complete the drafting of a major collective action against 61 banks and savings banks, "requesting a declaration of abusiveness that support and built more than 6,000 people Adicae the platform. "
He has also held that "after the court ruling come for users, the supervisor's role is compromised, which, mortal gold, reinforces the criticisms of Adicae respect of which has become the authentic 'banking employers' after leaving their functions of consumer protection. "
The report that the Bank of Spain provided at the request of the Senate "also gives a biased and incorrect information to parliamentarians, consumers and their representative associations" with the sole purpose of protecting and trying to legitimize an abusive practice. "
He adds that "the illegitimate benefit of all banks and savings banks in 2009 by the application of this clause may have reached 7,000 million euros, which gives an idea of how the 'ground clauses' are, in addition to a serious abuse consumers a real alteration of the mortgage market, and a fraud to the monetary policy intervention of interest rates, which are reduced by both their virtual and efficiency. "
Therefore, Adicae recalled that the parliamentary groups calling on the Senate to fulfill the commitment of the PSOE, "supported by all groups in the plenary on 21 July, to resume the debate in September after rejecting the proposition of Law PP.
Considers that statements like that of Seville "do not solve the problem but highlights the growing awareness of the courts to a serious economic and social problem."
It has also held that the calculations made by Adicae on the basis of information provided by the Bank of Spain in the transfer to the Senate report in September 2009 shows that "despite the supervisor to try to avoid in 2008 existed at least 3,834,095 mortgages affected by the 'soil' mortgage. "