Question-04. What are 'abusive' mortgage set up costs?

In December 2015 the Spanish Supreme court ruled that clauses in mortgage contracts used by some lenders, forcing borrowers to pay set up costs such as notary fee, administration expenses, land registry and stamp duty were “abusive” and therefore null and void. Now courts around Spain have started awarding borrowers refunds from banks, based on this ruling.
The ruling declares lenders themselves liable for set up costs as mortgages are an asset for lenders but a liability for borrowers so lenders have a greater interest in getting mortgages notorised and registered to protect their assets.
Under this revision existing borrowers should be able to claim back some or all of these costs.