Banking law — Law 103-12
Banking lawyer in Marrakech
Unbalanced credit agreement, contested fees, mortgage to be released, account seizure or disproportionate guarantee: the firm defends individuals and companies against banks, before the Commercial Court and banking mediation.
A banking relationship framed by law
Law 103-12 governs credit institutions and their relations with clients. It imposes strict obligations of information, transparency and loyalty. Law 31-08 on consumer protection measures strengthens borrower protection: duty to warn, APR information, regulation of abusive clauses.
In practice, disputes concern the real cost of credit, fees and commissions, guarantee commitments, mortgage registration, seizures and bank liability for abusive credit grants or sudden facility termination.
Areas of intervention
Credit agreement and guarantee
Analysis of conditions, APR, abusive clauses. Disproportionate guarantee commitment, lack of pre-contractual information.
Mortgage and release
Registration, removal, contestation, release at the Marrakech Land Registry. Conventional or judicial mortgage.
Interest and fee disputes
Contestation of interest, fees, commissions and bank charges. Real APR calculation and restitution of unduly received amounts.
Bank seizures
Bank account garnishment, opposition, release, unlocking. 15-day deadline to formulate opposition from service.
Over-indebtedness and restructuring
Amicable negotiation of a schedule, debt rescheduling, banking mediation before Bank Al-Maghrib.
Bank liability
Breach of duty to warn, abusive credit grant, abusive facility termination, banking secrecy.
Banking dispute in Marrakech?
Bring your credit agreement, statements and exchanges with the bank. Quick analysis identifies unduly received amounts and useful strategy.