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The Supreme Court annuls eight floor clauses due to lack of transparency As reported by the General Council of the Judiciary (CGPJ), the Supreme Court, by judgment dated September 8, 2014, published on October 23, 2014, annulled eight clauses of Caja Segovia (now Bankia), as the bank failed to comply with the specific duty of transparency it had in relation to these clauses with the customers with whom it signed the mortgage loan agreements. The bank’s argument that the deeds were read by the notaries and that customers were warned of the possibility of reading them is therefore rejected, since this does not replace the duty of explanation and transparency owed by institutions to users. The Chamber is unable to examine the consequences of the declaration of nullity of the floor clause when determining whether the amounts charged by the bank pursuant to that clause should be refunded to the... Read More

CENTENARY: The Domínguez Business Family. 1914-2014 100 years ago, Mr Fernando Domínguez Alfaro, with extensive experience in bottle kilns, where he worked as foreman at Pickman’s ceramics factory in Seville, decided to start his own business, beginning by manufacturing ceramic lamp holders and later producing other items such as ceramic water pipes, tiles, ceramic containers, etc. Mr Fernando Domínguez Franco later joined the family business and, in 1934, during the Republic, began manufacturing refractory materials in the bottle kilns that were still in operation, using as raw material clay rich in alumina (among other minerals). Subsequently, the bottle kilns were replaced by more modern, higher-yield industrial shuttle kilns. In 1985, three of his sons—Mr Fernando Domínguez Merino, Mr José María Domínguez Merino and Mr Carlos Domínguez Merino—had already fully joined the business, and the company Refractarios Alfran, S.A. was incorporated, known under the ALFRAN brand, providing fresh momentum for innovation... Read More

Business Opportunities in the Port of Seville. The Seville Free Trade Zone is now operational, supported by all Public Administrations and Institutions, with investments of 89 million Euros planned for the coming years, which will entail an unprecedented boost and transformation of trade and industry. The Seville Free Trade Zone will create numerous opportunities, and now is the optimal time to plan for them. This course offers strategic training on the development of financial, tax, and logistical aspects. Course Details: SCHEDULE: 5:00 PM to 8:30 PM. DATES: October 15 and 16. PRICE: Eligible for social security bonuses through training credits. FREELANCERS: Special rates for freelancers. PAYMENT METHOD: By bank transfer before the start of the course. LOCATION: IN DIEM Abogados Training Room. Calle Castillo de Utrera num 2A. Seville, CP 41013. Content: 01 Introduction 02 Definition of Free Trade Zones and Differences from other Schemes 03 Operation of Free Trade... Read More

The Fruit of a Lifetime’s Work in the Hands of Your Children. The purpose of this training course is to understand the inheritance transmission system, establishing the best strategies for inheriting, minimizing costs, and avoiding the common problems that arise in succession matters. The aim is to provide practical and straightforward assistance in planning the inheritance of our families, taught by specialized professionals, with the course being eligible for subsidies (through training credits). For more information: IN DIEM Abogados. Tel. 954 270 522 Visit the Website: http://coynet.wix.com/herencias#!inicio/mainPage Course Details: SCHEDULE: 5:00 PM to 8:00 PM. DATES: October 21 and 23. PRICE: Eligible for social security subsidies through training credits. SELF-EMPLOYED: Special rates for self-employed individuals. PAYMENT METHOD: By bank transfer before the course begins. LOCATION: IN DIEM Abogados Training Room. Calle Castillo de Utrera No. 2A. Seville, Postal Code 41013. Objectives Understand the potential problems and alternative solutions of an... Read More