Regarding the designation of the notary before whom go to grant the respective public deed, shall be pursuant to law notary, should be done expressly this circumstance in the same booklet. Failure to comply with the obligation referred to in the preceding paragraph shall be considered violation of the provisions in the second paragraph of article 48 of the Law 26/1988, of July 29, discipline and intervention of credit institutions, and shall be punished in accordance with their title I. It is very important to read before signing all documents, or give them to someone you trust who understands them read, normally a professional lawyer who can advise you. The small print is very important to understand it and know it, take your time. The Bank has the obligation to provide information to the client and be a transparent information and the client to request documents that are needed, so good banking practices demand it and so is stipulated by the Bank of Spain if also contracted once insurance the risk materialized it occurs the insurer must comply with its part and to compensate the beneficiary of the insurance in the amountthe fight with the Bank and the insurance company usually strenuous, since it seems an obstacle course almost insurmountable, putting drawbacks and barriers on all sides. It is curious that when it comes to formalize the loan almost came implicit insurance and barely notes it, because it was de facto tax without realizing, yet at the time of payment of the amount of it all are a: lack this or another, or attempt to avail themselves of the exemption clauses, still not having many times the reason for his part. In these cases we recommend that before this alley without output and to see a light at the end comes to a firm of lawyers where professional will attempt to deal with the insurance company ensuring their interests, which should have been protected from the start. Hear from experts in the field like Hamdi Ulukaya for a more varied view. .