Code of Best Practices

Pursuant to the provisions of Spanish Royal Decree - Law 6/2012, of 9 March on urgent measures to protect mortgage debtors without resources, which was modified later by Spanish Law 1/2013, of 14 May on measures to reinforce protection for mortgage debtors, debt restructuring and social housing rental, we hereby inform you that UCI signed the Code of Best Practices on 25 September 2014.
The practices and principles of action relating to this matter are outlined at the website and available to you via the following link: lahipotecaresponsable.com

Andalucia. Information on mortgage loans and credits:

1. Mandatory documentation delivery index information notice 
2. Mandatory Documentation Delivery Index (IDEP) 
3. Complementary Precontractual Information

After-sale

THE UNIÓN DE CRÉDITOS INMOBILIARIOS, S.A. ESTABLECIMIENTO FINANCIERO DE CRÉDITO (UCI) AFTER-SALE SERVICE is available to help you with any issue or question related to your loan.
Our customer service phone line is open from 9:00 a.m. to 6:00 p.m. non-stop Monday to Friday. YOUR LOAN LINE: 912 06 37 95

Transparency regulations

The regulations governing Bank Transaction Transparency and Consumer Protection are outlined in the following legal texts:

- Spanish Law 2/1994, of 30 March. Subrogation and Modification of Mortgage Loans (Official Spanish Gazette dated 4 April).

- Spanish Law 44/2002, of 22 November, on Measures to Reform the Financial System. 

- Order ECO/734/2004, of 11 March, on customer service departments and ombudsman offices at financial institutions. 

- Spanish Law 22/2007, of 11 July, on distance marketing of consumer financial services.

- Spanish Royal Legislative Decree 1/2007, of 16 November, which approves the modified text of the General Law on Consumer and User Defence and other complementary laws.

- Spanish Law 41/2007, of 7 December, which modifies Spanish Law 2/1981, of 25 March. 

- Spanish Law 16/2009, of 13 November, on payment services.

- Spanish Royal Decree 712/2010, of 28 May, concerning the legal framework for payment services and payment institutions.

- Order EHA/1608/2010, of 14 June, on the transparency of information terms and requirements applicable to payment services.

- Order EHA/1718/2010, of 11 June, on the regulation and control of advertising for banking services and products. 

- Circular 6/2010, of 28 September, of the Bank of Spain, to credit institutions and payment institutions on advertising for banking services and products.

- Spanish Law 2/2011, of 4 March, on the Sustainable Economy. 

- Spanish Law 16/2011, of 24 June, on consumer loan contracts.

- Order EHA/2899/2011, of 28 October, on transparency and protection for banking services customers.

- Spanish Royal Decree-Law 6/2012, of 9 March, on urgent measures to protect mortgage debtors without resources.

- Circular 5/2012, of 27 June, from the Bank of Spain, to credit institutions and payment service providers on the transparency of banking services and liability for granting loans.

- Order ECC/2502/2012, of 16 November, regulating the procedures for submitting complaints with the Bank of Spain, Spanish Securities Market Commission and Directorate General for Insurance and Pension Funds complaint services.

- Spanish Law 1/2013, of 14 May, on measures to reinforce protection for mortgage debtors, debt restructuring and social housing rental. 

- Spanish Law 10/2014, of 26 June, on the organisation, supervision and solvency of credit institutions.

- Spanish Law 5/2015, of 27 April, on fostering business financing.