Court orders cancellation and replacement of fixed-term deposit against Banco LAFISE

The First Oral Civil District Court of Managua decreed the cancellation and replacement of fixed-term deposit certificate No. 751700201, issued by Banco LAFISE Bancentro Sociedad Anónima (Banco LAFISE), whose current balance amounts to USD 7,344.67. The decision is published in La Gaceta, Official Gazette No. 172 of Tuesday, September 22, 2026, in the Judicial Section, page 9233, under official reference Reg. 2026-00820.

The decree, dated July 28, 2026, was issued by Judge Adriana María Cristina Huete López, signed by secretary Ana Isabel Chavarría and judicial secretary Wilfreddy David Mendoza Hernández, within case number 002363-ORM-2026-CO. The request was promoted by attorney Juan Carlos Argüello Pereyra, identified by citizen identity card 161-211077-0003V and Supreme Court of Justice card No. 7052, in his capacity as General Judicial Proxy for Mrs. Nayelis Suhey Rodríguez López, with identity document 616-180301-1001E.

The ruling declares the claim for the cancellation and replacement of the fixed-term deposit certificate filed against Banco LAFISE Bancentro Sociedad Anónima as “granted.” The court set the publication value of the decree at C$ 435.00.

Conditions of the deposit certificate

• Certificate number: 751700201.
• Opening date: October 20, 2021.
• Maturity date: March 20, 2026.
• Original amount: USD 7,000.00 (seven thousand dollars).
• Current balance: USD 7,344.67 (seven thousand three hundred forty-four dollars and sixty-seven cents).
• Interest rate: 2.25%.
• Term: 3 years.

Publications, third-party opposition, and replacement

The decree orders the resolution to be published three times in the Official Gazette, with intervals of at least seven days between each publication, “under the care and at the expense of the claimant.” The replacement of the security title is authorized once sixty days have elapsed from the date of the last publication, provided that no opposition is made by third parties in the meantime. If the title has not yet matured by the date of publication, the sixty-day term for payment runs from the maturity date.

Notification and appeal process

• It is ordered to notify the decree to those obligated by virtue of the title.
• The resolution, having a final character, is subject to an appeal.
• The appeal must be filed before the same court within ten days counting from the day following its notification, stating the grievances caused by the resolution.

The publication in La Gaceta, Official Gazette No. 172 opens the period for any third party with an interest in certificate 751700201 to object before the replacement is authorized, and records that the saver may legally claim the balance of an expired fixed-term deposit from the issuing entity. The case sets an operational precedent for similar saver claims: the cancellation of the security, the mandatory publicity for three editions, and the calculation of the sixty days from the expiration date when the deposit has already expired.

Source: La Gaceta, Official Gazette No. 172, Tuesday, September 22, 2026, Judicial Section, p. 9233 (official reference: Reg. 2026-00820).