https://www.ft.com/content/8e5fb9f2-c760-11e6-8f29-9445cac8966f
http://elpais.com/elpais/2016/12/21/inenglish/1482320739_797516.html
In regards to time-barring, there are 4 years always on as you keep being under this clause.
I am of the opinion that any transaction by which you renounced these refunds with the Bank is also null and void as against imperative rules of Consumers Protection
Cheers!
Maria
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