Yes, indeed. The Spanish judges and courts, following European justice, consider that the ground clauses are null and that, therefore, they should not be part of the contract if there is no transparency. That is, if the entity did not duly inform the user of the effects of the floor clause. Supreme Court ruling 09/05/2013 (STS 05/09/2013).
Yes, you can claim unlimited interest unduly charged by the bank, in application of the floor clauses from the signing of the mortgage loan, unless the user / consumer and the entity have signed an express agreement that prevents.
No. In this case, a new judicial claim would not be viable because there was already a ruling by a judge that was final, regardless of whether the European courts have established different later criteria.
From our point of view, none. Quite the contrary, disadvantages for the consumer in case of disagreement with the proposals of the bank, given the loss of the power to demand the legal costs of the claim.
No. If it does not prescribe the right to claim the nullity of a ground clause, it does not prescribe the right to claim the return of interest unduly charged by the bank.