{"id":4697,"date":"2011-10-26T08:18:34","date_gmt":"2011-10-26T08:18:34","guid":{"rendered":"http:\/\/asufin.com\/?p=4246"},"modified":"2021-05-25T16:21:35","modified_gmt":"2021-05-25T16:21:35","slug":"caixa-cataluna-condenada-en-barcelona-por-la-venta-de-un-swap","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/caixa-cataluna-condenada-en-barcelona-por-la-venta-de-un-swap\/","title":{"rendered":"Caixa Catalu\u00f1a condenada en Barcelona por la venta de un Swap"},"content":{"rendered":"<p><strong>El <a href=\"http:\/\/asuapedefin.com\/wp\/wp-content\/uploads\/2011\/10\/s_110729_caixacat_jpi39_barcelona_pyme_sin.pdf\" target=\"_blank\" rel=\"noopener\">Juzgado de Primera Instancia n\u00famero 39 de Barcelona<\/a> ha declarado la nulidad radical de un contrato Swap que \u00a0Caixa Catalu\u00f1a firm\u00f3 con una mercantil. La entidad tendr\u00e1 que devolver al cliente la totalidad de las liquidaciones derivadas de la permuta financiera. Caixa Catalu\u00f1a vendi\u00f3 el producto como una \u0093cobertura ante alza de tipos\u0094\u00a0 sin hacer menci\u00f3n a los riesgos ante una ca\u00edda del euribor.<\/strong><\/p>\n<p><a href=\"https:\/\/i0.wp.com\/asuapedefin.com\/wp\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" data-attachment-id=\"4708\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/caixacat_oficina\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg?fit=400%2C300&amp;ssl=1\" data-orig-size=\"400,300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Caixa Catalu\u00f1a. Oficina.\" data-image-description=\"&lt;p&gt;Caixa Catalu\u00f1a. Oficina.&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg?fit=400%2C300&amp;ssl=1\" class=\"alignleft size-medium wp-image-4708\" style=\"margin: 20px;\" title=\"Caixa Catalu\u00f1a. Oficina.\" src=\"https:\/\/i0.wp.com\/asuapedefin.com\/wp\/wp-content\/uploads\/2011\/10\/caixacat_oficina-300x225.jpg?resize=240%2C180\" alt=\"Caixa Catalu\u00f1a. Oficina.\" width=\"240\" height=\"180\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg?w=400&amp;ssl=1 400w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/><\/a>La documentaci\u00f3n que Caixa Catalunya entreg\u00f3 al cliente establece que el Swap \u0093proporciona una protecci\u00f3n \u00f3ptima frente al riesgo de subida gradual y moderada de los tipos de inter\u00e9s\u0094. Solo en una de las p\u00e1ginas del contrato aparece un ejemplo de lo que podr\u00eda suponer una bajada del euribor para el cliente. El ejemplo no presenta escenarios de la cuant\u00eda que podr\u00eda alcanzar la liquidaci\u00f3n &#8211; varios miles de euros &#8211; en caso de una ca\u00edda dr\u00e1stica del Euribor, como ocurri\u00f3 a finales de 2008.<\/p>\n<p><strong>\u0093Si EURIBOR 3M &lt; 4\u009229% = &gt; cliente paga la diferencia 4\u009229% &#8211; EURIBOR 3M\u0094<\/strong><\/p>\n<p>La jueza ha dictado que el consentimiento del cliente a la hora de firmar el contrato estaba viciado pues \u0093no puede considerarse suficiente la informaci\u00f3n facilitada al cliente\u0094. A\u00f1ade que el comercial de Caixa Catalunya que negoci\u00f3 el Swap \u0093ni siquiera conoc\u00eda el producto de forma que dif\u00edcilmente pod\u00eda informar correctamente al cliente de sus bondades y riesgos\u0094. La sentencia obliga a Caixa Catalu\u00f1a a devolver las liquidaciones derivadas del contrato Swap.<\/p>\n<p>CAIXA CATALU\u00d1A..- 29\/07\/2011. <a href=\"http:\/\/asuapedefin.com\/wp\/wp-content\/uploads\/2011\/10\/s_110729_caixacat_jpi39_barcelona_pyme_sin.pdf\" target=\"_blank\" rel=\"noopener\">JPI 39, Barcelona<\/a> (pyme). Direcci\u00f3n letrada: Felix Bernal Puebla<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Juzgado de Primera Instancia n\u00famero 39 de Barcelona ha declarado la nulidad radical de un contrato Swap que \u00a0Caixa Catalu\u00f1a firm\u00f3 con una mercantil. La entidad tendr\u00e1 que devolver al cliente la totalidad de las liquidaciones derivadas de la permuta financiera. Caixa Catalu\u00f1a vendi\u00f3 el producto como una \u0093cobertura ante alza de tipos\u0094\u00a0 sin [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4708,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[161,17,25],"tags":[253,323,177,533],"class_list":["post-4697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-caixa-cataluna","category-sentencias","category-swaps","tag-barcelona","tag-caixa-cataluna","tag-caixa-catalunya","tag-felix-bernal-puebla"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2011\/10\/caixacat_oficina.jpg?fit=400%2C300&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-1dL","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/4697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=4697"}],"version-history":[{"count":1,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/4697\/revisions"}],"predecessor-version":[{"id":64781,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/4697\/revisions\/64781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/4708"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=4697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=4697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=4697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}