BBVA mortgage cancellation denied due to prescription claimed only through private application
13 Jun 202631 views
Who is affected:
Property owners with registered mortgages who wish to cancel them by claiming prescription without agreement with the bank
Summary
The General Directorate confirms that a mortgage cannot be cancelled by claiming prescription through a simple private application without the bank's consent or a final judicial resolution.
Detailed analysis
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The resolution confirms the negative qualification by the registrar of Quintanar de la Orden who denied the cancellation of a BBVA mortgage from 2006 whose execution was stayed in 2017 due to abusive clauses. The General Directorate distinguishes between automatic registration expiration and prescription of the mortgag…
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