Page contents Page contents Notices published after 1 March 2025 are published in the main language spoken by complainants and English. To translate a notice into other EU languages, you can use the European Commission's eTranslation service, a machine translation tool. The notice published on this page in the complainants' main language takes priority over the machine translation provided from English into that language.You can access the eTranslation service by clicking on the language symbol at the top of this page and selecting your preferred language. Notice in the language of complainants 27 MARCH 2026Acknowledgement of receipt of a multiple complaint on an alleged breach of EU rules on unfair contract terms by the Kingdom of Spain because of rulings by Spanish courts related to the IRPH index - CPLT(2026)00803 [Date: 27 March 2026] Notice in English (can be automatically translated) Acknowledgement of receipt of a multiple complaint on an alleged breach of EU rules on unfair contract terms by the Kingdom of Spain because of rulings by Spanish courts related to the IRPH indexReference number: CPLT(2026)00803The European Commission has received a large number of complaints about an alleged infringement by the Kingdom of Spain because of rulings by Spanish courts, including two judgments by the Spanish Supreme Court of 11 November 2025, on mortgage credit contracts with flexible interest rates with reference to the IRPH index.The Commission has entered these complaints in the central registry of complaints under reference number CPLT(2026)00803. Further information on your complaint can be submitted to JUST-B2ec [dot] europa [dot] eu (JUST-B2[at]ec[dot]europa[dot]eu). Please quote the abovementioned reference number.Given the significant number of complaints received on this subject, the Commission, with a view to responding swiftly and informing those concerned as well as taking into account potentially wider public interest in the issue raised by the complainants, is publishing this acknowledgement of receipt on the dedicated page of the Europa website. The complainants will be informed, through the same channel, of the results of the Commission's examination of these complaints and of the follow-up that the Commission may decide to take. The Commission will consider the complaint in the light of the applicable European Union law and in line with the enforcement priorities set in the Commission Communication ‘EU law: Better Results through Better Application’[1].Please note that, if the Commission decides to act following your complaint, including by launching a formal infringement procedure, its general aim is to ensure that Member State laws are compliant with EU law and correctly applied. The submission of a complaint to the Commission may thus not resolve your specific and individual situation. In order to obtain redress, including compensation if warranted, you should take action at national level in the Member State concerned. Submitting a complaint to the Commission does not suspend the time limits for starting legal action under national law. The Commission may also, in the exercise of its discretion, decide not to open formal infringement procedures, even if it considers that a breach of EU law has occurred.The Commission services will by default treat your complaint in a confidential manner. Only in the event that a complainant opts for non-confidential treatment in the complaint form may the Commission departments disclose the identity and any of the information submitted by that complainant to the authorities of the Member State against which the complaint has been made. The disclosure of complainant’s identity by the Commission departments may in some cases be indispensable to the handling of the complaint.A specific privacy policy statement applies in relation to the handling of complaints.[1] C(2016)8600.
