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SWAPS O CONTRATOS DE PERMUTA FINANCIERA:
SU PROBLEMÁTICA ACTUAL
En los últimos años ha sido muy usual en España la comercialización, por parte de diferentes entidades bancarias, de un instrumento derivado financiero denominado SWAP, un producto bancario que la Comisión Nacional del Mercado de Valores, organismo encargado de su supervisión, ha definido como <<contratos financieros atípicos, mediante los cuales las dos contrapartes intercambian tipos de interés durante un periodo determinado, y en una determinada moneda basados en un importe nocional>>.
Caracterizado por el Banco de España como un producto de “alto riesgo”, el SWAP es, en definitiva, un contrato de permuta financiera especulativo, en virtud del cual dos partes contratantes, entidad bancaria y cliente, establecen, en el momento de la firma del contrato, un límite a un tipo de interés de referencia, de manera que si dicho tipo de interés se encuentra por encima del límite pactado, el cliente recibe dinero del banco, mientras que si se encuentra por debajo, es el banco quien recibe dinero del cliente.
Los SWAPS empezaron a comercializarse de forma muy frecuente en nuestro país en el verano de 2008, cuando el Euribor alcanzó su máximo. A partir de entonces, las entidades bancarias empezaron a ofrecer a sus clientes este tipo de productos, como si de un “seguro” destinado a cubrir el riesgo derivado de las fluctuaciones experimentadas por los tipos de interés se tratara, y por el que dichas entidades prometieron a sus clientes la obtención de beneficios económicos, siempre y cuando los referidos tipos de interés se mantuvieran al alza, y por encima de los límites pactados en el contrato.
Pero lo que no recibieron los clientes en el momento en que adquirieron este tipo de productos derivados, fue un completo y adecuado asesoramiento por parte de sus entidades bancarias, las cuales no advirtieron a sus clientes de las elevadas cantidades de dinero que aquéllos debían abonar al banco en caso de que se produjera una gran caída de los tipos de interés como la que se ha vivido en los últimos años (todo apunta a que los bancos conocían de antemano esa gran bajada de los tipos de interés), así como del alto coste económico que le supondría al cliente una posible cancelación anticipada del SWAP.
La cuestión principal está en el hecho de que las entidades bancarias no ofrecieron a sus clientes suficiente información acerca del producto que éstos adquirían. A este respecto, existe una Resolución del Servicio de Reclamaciones del Banco de España, de 11 de Diciembre de 2008, que establece que <<los contratos de permuta financiera son productos cuya configuración alcanza cierto grado de complejidad, los cuales requieren para su comprensión y correcta valoración una formación financiera superior a la que posee la clientela bancaria en general, y que por ello las entidades bancarias, antes de ofertar estos productos, deben cerciorarse de que sus clientes tienen claros aspectos como la posibilidad de que se generen pérdidas en caso de cancelación anticipada de la permuta, el plazo durante el cual se desea mantener la cobertura, o los objetivos que se pretenden conseguir>>.
El problema radica en que como consecuencia de esa falta de información por parte de las entidades bancarias, y de la repentina y gran bajada que han experimentado los tipos de interés en los últimos años, las liquidaciones periódicas de los SWAPS están resultando negativas para los clientes, quienes ahora no pueden hacer frente el pago de las mismas, como tampoco pueden afrontar el precio que los bancos piden por cancelar anticipadamente el producto, y evitar así tener que afrontar tan elevadas cantidades en un momento en que los tipos de interés han alcanzado mínimos históricos, quedando por tanto los clientes amarrados por un contrato que les es enormemente perjudicial, sin que en la mayoría de los casos puedan encontrar una puerta de salida a tal situación.
El resultado es que en la actualidad se encuentran en tramitación, en diferentes Juzgados del territorio nacional, una gran cantidad de demandas interpuestas tanto por las entidades bancarias como por particulares y empresas que contrataron en su día este tipo de productos, las primeras, reclamando las cantidades que le adeudan sus clientes, y los segundos, solicitando la nulidad del contrato de SWAP o permuta financiera, por existir vicio del consentimiento derivado de la falta de información del producto.
Dicho vicio del consentimiento es precisamente la causa por la que han prosperado, y continúan prosperando en la actualidad, diferentes demandas interpuestas por clientes afectados por este tipo de productos. En este sentido, la Sentencia de la Audiencia Provincial de Jaén (Sección 3ª) número 80/2009, de 27 de Marzo, estima una demanda interpuesta por un particular frente a una entidad bancaria, y declara nulo el contrato de permuta financiera suscrito entre las partes, condenando a la referida entidad a devolver al cliente las cantidades que el banco había cargado en su cuenta, como consecuencia de las liquidaciones periódicas derivadas del SWAP que dicho cliente había contratado.
La citada Sentencia dispone, en su Fundamento Jurídico Segundo, que <<el consentimiento es un requisito esencial, cuya ausencia determina la nulidad, y si es tácito ha de proceder de actos inequívocos. El conocimiento, acto receptivo que es indispensable para poder actuar, pues no se puede reaccionar contra lo desconocido o ignorado, no equivale al consentimiento, acto valorativo de manifestación expresa o tácita de la voluntad>>.
Y por lo que respecta a la falta de información a la que antes se hace referencia, la Sentencia considera probado que el banco no le había proporcionado al cliente la documentación que debía ser parte integrante del contrato, necesaria para conocer el verdadero objeto o contenido del mismo, y por tanto, dicha entidad no había cumplido con el deber de información que le exige la normativa vigente, en concreto, la que le exige el Real Decreto 217/2008 de 15 de febrero, relativo a las empresas de servicios de inversión, el Real Decreto Ley 2/2003 de 25 de abril, sobre medidas de reforma económica, y el derogado Real Decreto 629/1993 de 3 de mayo, todos ellos referentes a la información que las entidades bancarias deben proporcionar a sus clientes cuando contratan este tipo de productos bancarios.
La Sentencia de la Audiencia Provincial de Jaén es pionera en cuanto a nulidad de contratos SWAPS se refiere, y ha creado una marcada línea jurisprudencial favorable a los consumidores afectados por este tipo de productos, y a la que se han ido sumando otras Sentencias como la de la Audiencia Provincial de Álava (Sección 1ª) número 143/2009, de 7 de Abril, la Sentencia de la Audiencia Provincial de Oviedo (sección 5ª) número 25/2010, de 27 de Enero, y la Sentencia del Juzgado de Primera Instancia número 6 de Gijón, de fecha 21 de Enero de 2010, entre otras.
De todo lo anteriormente expuesto se puede extraer una conclusión clara: a la hora de adquirir un producto bancario, el adquirente debe informarse acerca del mismo, así como contar con un asesoramiento profesional completo y adecuado, tanto a la hora de contratar el producto como ante la presentación de posibles reclamaciones, todo ello para evitar que el consumidor pueda verse afectado por el implacable interés económico de las entidades bancarias y de la gran vorágine del mercado financiero.
Y sobre todo tener en cuenta, a la hora de adquirir cualquier tipo de producto bancario, que “nadie vende duros a cuatro pesetas”: los bancos, mucho menos
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