General conditions and unfair clauses of financial contracts:
Binding contracts and judicial and administrative injunction actions.

The law states that clauses not ruled by good will and the right balance between the rights and obligations for both parties are not valid, as they are abusive.

Any clause included in the documents we sign, specially the ones from banking contracts, should be written following some principles such as concretion, clarity and simplicity, and they should not be linked to or based on documents not provided when signing the contract.

This chapter focuses on these questions and also provides a general overview of the new national and European regulations about this fundamental issue affecting the rights of consumers of financial services.