It is been approved the Royal Decree-Law of urgent measures to consumers protection in terms of improper “floor clauses”.
Since Monday, 23rd January, the consumer could lodge a complaint to his own bank. Once the complaint is received, the bank should send the client the calculation of the amout that has to be returned, including interests, or, alternatively, an exposition of reasons why they consider the complaint is not apropriate. After the aforementioned comunication, the consumer should express its agreement with the calculation, which, if is accepted, will lead the bank to the devolution of the agreed amount, in cash. The total process will be resolved in a maximum of three months.
You can consult the text of the royal decree in the following link: