Druga fundacija SPV d.o.o. (Second Foundation SPV) is a specialized special purpose vehicle (SPV) established with a singular, focused mission: to champion the rights of consumers and legal entities in the financial market. We are the leading Croatian entity dedicated to securing compensation for overpaid financial instruments, including loans and leasing agreements, originated by domestic credit institutions.
Our Mission
We bridge the gap between financial institutions and their clients. Our primary objective is to rectify the imbalances caused by unfair contractual terms, such as unilateral interest rate changes and disputed currency clauses (most notably in Swiss Franc, but also Euro and Croatian Kuna portfolios). We believe that a fair financial market relies on transparency and accountability, and we exist to restore equity for those who have been financially disadvantaged.
What We Do
Druga fundacija operates as a sophisticated intermediary and claim enforcement specialist. Through a proprietary business model developed over years of interdisciplinary research, we manage the entire lifecycle of a claim:
- Claim Acquisition: We accept the transfer of potential claims from individuals and companies via assignment (cessio), relieving the original debtors of the administrative and legal burden.
- Risk Management: We assume 100% of the financial risk and procedural costs. Our clients face no upfront fees or hidden charges; our operations are financed entirely by our own capital and success-based returns.
- Litigation & Settlement: Leveraging advanced mathematical modeling, financial forensics, and deep legal expertise, we pursue these claims against credit institutions, seeking fair settlements or court-ordered compensation.
Our Expertise
Our strength lies in our data-driven approach. Druga fundacija was founded by industry veterans with extensive backgrounds in financial modeling, data science, and forensic analysis. By combining rigorous economic theory with legal precedent (both domestic and EU case law), we have developed a robust methodology for calculating and recovering overpayments.
Why We Matter
For analysts and market observers, Druga fundacija represents a necessary correction mechanism in the credit market. We unlock liquidity for our clients – returning capital to the real economy – while ensuring that financial contracts adhere to the highest standards of legality and fairness.
We are not just a claims management company; we are partners in financial justice, ensuring that every contract is honored according to the law, and every client receives what they are rightfully owed.
Druga fundacija SPV d.o.o.
Lonjička ulica 2a
10000 Zagreb
OIB: HR25132169807
MB: 5212608
MBS: 081446327
ISIN: HRIIF0O292A3