{"id":1873,"date":"2014-08-01T12:00:49","date_gmt":"2014-08-01T12:00:49","guid":{"rendered":"http:\/\/www.atoabogados.com\/?p=1873"},"modified":"2014-08-01T12:00:49","modified_gmt":"2014-08-01T12:00:49","slug":"anulado-contrato-permuta-financiera-swap-juzgado-ayamonte-huelva-ato-abogados-slp","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=1873","title":{"rendered":"Anulado #contrato de #permuta #financiera (#swap) por Juzgado de Ayamonte (#Huelva) &#8211; ATO #Abogados SLP"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Nuevamente, el programa La Tarde, de Canal Sur TV, entrevista en directo a Antonio Olaya Ponzone, director de ATO Abogados SLP, explicando la Sentencia del Juzgado de Primera Instancia N\u00ba 4 de Ayamonte (Huelva) que declara la <strong>nulidad<\/strong> de un contrato de permuta financiera (swap), de tipo de inter\u00e9s \u00abIRS\u00bb, suscrito por nuestro cliente con Banco Andaluc\u00eda SA en el a\u00f1o 2007.<\/p>\n<blockquote><p><em>Los swaps o contratos de permuta financiera son productos financieros complejos donde el cliente asume la obligaci\u00f3n de pagar a la entidad financiera las sumas que se fijen como consecuencia de la bajada de los tipos de inter\u00e9s, de la inflaci\u00f3n u otros \u00edndices, respecto del l\u00edmite fijado, asumiendo correlativamente el Banco la carga de sufragar las subidas con respecto a dicho l\u00edmite, tras practicarles las sucesivas liquidaciones estipuladas.<\/em><\/p><\/blockquote>\n<p>La entidad bancaria coloc\u00f3 dicho producto al cliente despu\u00e9s de formalizar un pr\u00e9stamo con garant\u00eda hipotecaria, quedando patente en el proceso que la informaci\u00f3n proporcionada sobre el producto, sus condiciones y consecuencias no goz\u00f3 de la <strong>transparencia<\/strong> y suficiencia requeridas legalmente.<\/p>\n<p>Se obliga a la entidad a <strong>devolver<\/strong> al cliente cerca de <strong>5.000 euros<\/strong>, como saldo resultante de compensar las cantidades cargadas y abonadas m\u00e1s los intereses legales.<\/p>\n<p>Con expresa condena en <strong>costas<\/strong> a la entidad financiera.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Nuevamente, el programa La Tarde, de Canal Sur TV, entrevista en directo a Antonio Olaya Ponzone, director de ATO Abogados 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