Banking and finance
Claims against your bank before the Banco de España for unfair terms, fees, mortgage costs, revolving credit cards and fraud.
All of these procedures are done 100% online with Managora: you answer a few questions, sign a digital mandato (power of representation) and we file them for you with the administration, at a fixed price and available 24 hours a day.
- Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finishWe handle the entire claim against the lender behind your revolving credit card (tarjeta revolving) or revo...
- Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR)We complain to the Departamento de Conducta de Mercado y Reclamaciones (Market Conduct and Complaints Depar...
- Request to the finance company for the contract and the history of your revolving credit card (tarjeta revolving)We write to the entity that issued your card, and in parallel to its data protection officer, claiming the ...
- Review of your revolving credit card (tarjeta revolving) or revolving credit: whether you have a case and how much you have overpaidWe analyse your contract and your statements and hand you a report with three things: whether your case sta...
- Formal claim to the lender of your revolving credit card (tarjeta revolving), by burofax with proof of receiptWe draft and send your lender the formal claim about the interest on your revolving card or credit line: we...
- Reply to the fund or the debt-collection company claiming your card debtWe reply in writing, by burofax (a registered letter with certified content) with acknowledgement of receip...
- Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023)Claim filed with the Civil Section of the Tribunal de Instancia (court of first instance) to void a revolvi...
- Claim for annulment of the IRPH clause in a mortgage loan (Directiva 93/13 + STJUE C-125/18, C-265/22, C-300/23)Claim to annul the interest clause referenced to the IRPH (a mortgage reference index: Cajas, Bancos, Conju...
- Claim for annulment of a swap / permuta financiera (CC 1265 + LMV + MiFID II)Claim to annul permuta financiera (swap) contracts (interest rate swaps, inflation, currency, collar, knock...
Frequently asked questions
Which banking and finance procedures can I do with Managora?
Managora covers 9 banking and finance procedures, such as Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish, Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR), Request to the finance company for the contract and the history of your revolving credit card (tarjeta revolving). All of them are done 100% online: you answer a few questions, sign a mandato and we prepare, sign and file them with the administration for you.
How much does a banking and finance procedure cost?
Every procedure has a fixed, transparent price. Before you start, its page shows what we charge you: our fee including VAT and, where there is one, the fixed official tasa we advance on your behalf. Taxes, variable tasas and notary or land registry fees are not inside that figure: we itemise them separately and you pay them yourself.
Can everything be done online?
Yes. You do not have to travel anywhere or book an appointment: the process is 100% digital, available 24 hours a day, and you receive the official documents and the receipt by email.
Is it legally valid?
Yes. You sign a simple mandato on screen authorising us to act in your name; what we file has full legal validity.