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.
- 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...
- 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 + STS 562/2024)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 3 banking and finance procedures, such as Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR), 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 for annulment of a swap / permuta financiera (CC 1265 + LMV + MiFID II + STS 562/2024). 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?
Each procedure has a fixed, transparent price. Its page shows the estimated total cost (our fee plus the official tasas and taxes) before you start, with no surprises.
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.