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Acosta & Santos Abogados
Salamanca, Spain
Acosta & Santos Abogados is a Salamanca-based law firm that specializes in Banking & Finance law. The team represents individuals, autónomos and small and medium enterprises in complex finance related matters, including mortgage disputes, mis selling of financial products, and the renegotiation of loan terms. It has earned a reputation for pioneering litigation in Salamanca, obtaining some of the first judgments against banks in cases involving Permutas Financieras, Preferentes, Subordinadas, Bonos Convertibles and Depósitos Estructurados, as well as issues such as cláusula suelo and bank charges.
The firm maintains a client oriented approach and handles both judicial and extrajudicial matters with the aim of delivering timely, practical solutions. It also provides client resources such as a cláusula suelo calculator to quantify overcharges and support decision making in disputes related to mortgage terms, commissions and other banking products.
Led by Antonio Acosta and Juan José Santos, the firm has more than 20 years of combined practice in banking litigation and a strong local presence in Salamanca. The team emphasizes direct contact with clients and tailored guidance throughout the legal process, reflecting a reputation for rigorous work and reliable results.
Founded in 2018
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Acosta & Santos Abogados specializes in Banking & Finance law, advising individuals, autónomos and SMEs on mortgage issues, mis selling of financial products and other bank related disputes. The firm has a proven track record of achieving results in Salamanca, including some of the first judgments against banks for irregular contracting of Permutas Financieras, Preferentes, Subordinadas, Bonos Convertibles and Depósitos Estructurados, as well as challenges to cláusula suelo and bank charges. It assists with mortgage disputes including Cláusula Suelo, IRPH, Gastos de Formalización and Hipoteca Multidivisa, and helps clients reclaim overcharges and renegotiate terms.
Acosta & Santos Abogados handles judicial and extrajudicial disputes, drawing on experience from banking litigation to advise clients in civil and commercial matters. The firm supports clients through all stages of litigation, aiming for timely resolution and favorable outcomes through court proceedings or negotiated settlements.
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