Specialized AI
AI for unfair terms and revolving credit cards
Claim against unfair terms, revolving credit, and mortgage expenses with AI analyzing consumer law, EU directives, and CJEU case law.
The problem
Banking claims require analysis of complex clauses, calculation of claimable amounts, and knowledge of abundant Supreme Court and CJEU case law.
What Lexiel does
Lexiel analyzes unfair terms (floor clauses, IRPH, multi-currency, revolving), calculates claimable amounts, searches TS and CJEU case law, and generates banking lawsuits.
Verified legal sources
LGDCU (RDL 1/2007)
Usury Act 1908
Directive 93/13/EEC
TS and CJEU case law
All answers include verified citations. No hallucinations; if there's no source, Lexiel says so.
Example query
"Analyze whether this revolving card APR is usurious under Supreme Court doctrine (STS 149/2020) and calculate the claimable amount"
→ Lexiel answers with verified citations from official sources
unfair termsrevolvingmortgage expensesIRPHfloor clausesusury
Related free tools
Key legal terms
Forced heirship shareThe portion of an estate that the law reserves for certain heirs (forced heirs): descendants, ascendants and spouse. It cannot be overridden by will except for legal grounds of disinheritance.Arts. 806-822 CCFloor clauseMortgage clause setting a minimum interest rate, preventing the borrower from benefiting from Euribor drops. Declared abusive due to lack of material transparency (STS 9/5/2013).STS 241/2013Power of attorneyPublic document granted before a notary by which one person (grantor) authorizes another (agent) to act on their behalf for specific or general legal acts.Arts. 1709-1739 CCNon-contractual civil liabilityObligation to repair damage caused to another by culpable or negligent action or omission, without a prior contractual relationship. Requires action, damage, causal nexus and fault or negligence.Art. 1902 CC
View full glossaryRelated articles
Supreme Court Case Law on Unfair Contract Terms 2025: Key RulingsSummary of the most relevant Supreme Court and CJEU rulings on unfair contract terms in 2025. IRPH, early termination, default interest, and floor clauses.11 min · 2026-03-07Revolving Credit Cards: How to Annul the Contract and Recover Excessive InterestComplete guide to revolving credit cards: Supreme Court usury doctrine (STS 4/3/2020), APR thresholds, how to claim contract nullity, and recover excess interest paid.14 min · 2026-03-06Unfair Banking Clauses in Spain: Floor Clauses, IRPH, Mortgage Expenses & How to ClaimComplete guide to unfair clauses in Spanish banking contracts: floor clauses (STS 9/5/2013), IRPH, mortgage expenses, opening fees, early termination, default interest. CJEU and Supreme Court case law. Limitation periods and claims procedure.10 min · 2026-03-22
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