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Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023)

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023) is filed with Sección Civil del Tribunal de Instancia - LexNET. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your demanda (claim) for you. What we charge you: €1,500. Official tasa (government fee): Individual: EXEMPT from the court fee (art. 4.2.a of Ley 10/2012). Legal entity: court fee depending on the type of proceedings and the amount at stake. The procurador (court representative) and the lawyer are provided by US: the procurador's scale fee (RD 1373/2003) is advanced for you as a suplido (disbursement) and passed on to you without VAT, according to the amount at stake in the case. It does not cover expert witnesses or the other party's costs if the court orders you to pay them.

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Claim filed with the Civil Section of the Tribunal de Instancia (court of first instance) to void a revolving credit card (tarjeta revolving) or revolving credit line contract for usury (the Ley Azcárate of 1908) and/or for unfair terms in the remuneratory interest, the claim-handling fee, the linked insurance and the automatic refinancing. We apply Supreme Court case law (STS 628/2015, 149/2020, 258/2023) and claim back the amounts charged above the capital you actually drew down, plus statutory interest. The nullity of the contract never lapses, even if you signed it twenty years ago; the refund of the money, by contrast, reaches what you paid over the last five years and is counted instalment by instalment, so every month without claiming takes one recoverable instalment away.

What we charge you
€1,500
Managora's fee
€1,500.00 (21% VAT incl.)
Tasa (official government fee)
Individual: EXEMPT from the court fee (art. 4.2.a of Ley 10/2012). Legal entity: court fee depending on the type of proceedings and the amount at stake. The procurador (court representative) and the lawyer are provided by US: the procurador's scale fee (RD 1373/2003) is advanced for you as a suplido (disbursement) and passed on to you without VAT, according to the amount at stake in the case. It does not cover expert witnesses or the other party's costs if the court orders you to pay them.
Processing time
The nullity never lapses; the refund reaches the last five years and is counted instalment by instalment
Where it is filed
Sección Civil del Tribunal de Instancia - LexNET ↗
What you receive
Demanda (court claim)

Cost breakdown: Our fee 1.500 € (VAT 21% included, legal representation by our lawyer and procurador included). An individual is exempt from the court fee; a legal entity adds the court fee according to the amount at stake. Expert witnesses and the other party's costs, if any, are separate. On top of that amount, and only if the case succeeds, you pay 20 % plus VAT of what you gain, counting both the money refunded to you and the debt you no longer owe, and from that fee the provision you already paid is deducted. If the case is lost, you pay nothing beyond what you already paid. If the court orders the lender to pay costs, those costs are deducted from the success fee instead of being added to it..

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023): how is it filed?

  1. 1Answer the questions (around 12 minutes).
  2. 2Payment of 1.500 € as a provision of funds (legal representation by our lawyer and procurador included).
  3. 3We file the claim through LexNET with our procurador and send you the filing receipt.
  4. 4If the judgment finds in your favour, 20 % plus VAT of what you gain is added to what you already paid, with that payment deducted. If the case is lost, you pay nothing more.

Which documents do you need?

  • •The revolving credit card (tarjeta revolving) contract.
  • •Complete statements and settlements.
  • •TEDR statistics of the Banco de España (we provide them).
  • •Previous out-of-court claim, if there was any.

Legal basis and things to bear in mind

  • Legal framework: Ley Azcárate 1908 + TRLGDCU + STS 149/2020 and 258/2023.
  • The nullity of the contract never lapses. The refund of the money reaches the last five years and is counted instalment by instalment: every month without claiming takes one recoverable instalment away.
  • Natural connections: reclamacion_clausula_suelo, reclamacion_garantia_consumo, demanda_anulabilidad_contrato.

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023): frequently asked questions

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023): how much does it cost?

We charge you €1,500: our fee plus, where applicable, the fixed official tasa we advance. Our fee 1.500 € (VAT 21% included, legal representation by our lawyer and procurador included). An individual is exempt from the court fee; a legal entity adds the court fee according to the amount at stake. Expert witnesses and the other party's costs, if any, are separate. On top of that amount, and only if the case succeeds, you pay 20 % plus VAT of what you gain, counting both the money refunded to you and the debt you no longer owe, and from that fee the provision you already paid is deducted. If the case is lost, you pay nothing beyond what you already paid. If the court orders the lender to pay costs, those costs are deducted from the success fee instead of being added to it.. Managora's fee is €1,500.00, 21% VAT included (€1,239.67 net + €260.33 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: Individual: EXEMPT from the court fee (art. 4.2.a of Ley 10/2012). Legal entity: court fee depending on the type of proceedings and the amount at stake. The procurador (court representative) and the lawyer are provided by US: the procurador's scale fee (RD 1373/2003) is advanced for you as a suplido (disbursement) and passed on to you without VAT, according to the amount at stake in the case. It does not cover expert witnesses or the other party's costs if the court orders you to pay them..

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023): how long does it take?

The nullity never lapses; the refund reaches the last five years and is counted instalment by instalment

Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023): which documents do I need?

You need to have to hand: The revolving credit card (tarjeta revolving) contract., Complete statements and settlements., TEDR statistics of the Banco de España (we provide them)., Previous out-of-court claim, if there was any.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Sección Civil del Tribunal de Instancia - LexNET. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Sección Civil del Tribunal de Instancia - LexNET ↗.

Managora Gestion SL (company number B88823893) is a private company. We are not Sección Civil del Tribunal de Instancia - LexNET, we are not affiliated with, authorised or endorsed by any public authority, and this website is not an official government portal. What you pay on this page is our fee for preparing, signing and filing the procedure on your behalf: it is separate from the official tasa, which where applicable belongs to the authority and is shown to you separately. You can carry out this procedure yourself, directly with Sección Civil del Tribunal de Instancia - LexNET.

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