Cómo recuperar el dinero invertido en acciones de Bankia

En los últimos años han sido muy frecuentes las reclamaciones judiciales interpuestas frente a las entidades bancarias por diversas razones;  contratación de swaps o derivados financieros de extraordinaria complejidad, de participaciones  preferentes, de obligaciones subordinadas,   o  la inclusión de clausulas suelo en los préstamos hipotecarios.

Los argumentos más comunes en estas reclamaciones han venido siendo el error o vicio del consentimiento -por falta de explicación de los detalles del producto financiero o por su desproporcionada complejidad para el perfil de cliente- ,  y  la vulneración de derechos de los  consumidores.

Recientemente son numerosas las reclamaciones y pleitos civiles interpuestos por compradores  o suscriptores de acciones de Bankia S.A interesando  judicialmente la devolución del  precio pagado por las acciones.

El fundamento principal para dichas reclamaciones es la nulidad del contrato de adquisición de acciones por error o vicio del consentimiento. A groso modo, se puede decir que nuestro Código Civil establece que será nulo el consentimiento prestado, entre otras razones, por error o dolo, siendo que existe dolo cuando una parte es inducida a celebrar un contrato con palabras o maquinaciones insidiosas,  y  sin las cuales  no hubiera contratado.

Para entender el fundamento fáctico de estas reclamaciones hay  que remontarse al año 2011 cuando, incluso antes de la salida a bolsa de Bankia, aparecieron en los medios noticias y mensajes publicitarios que presagiaban estupendos rendimientos para los futuros inversores en dicha entidad.  Se insistía en que Bankia era una entidad de una extraordinaria solvencia y fortaleza económica que iba a ser,  según los propios folletos creados para la campaña de venta, la cuarta entidad bancaria de España.

Pero lo cierto es que, muy poco tiempo después, concretamente en mayo de 2012, Bankia se vio obligada a  reformular sus cuentas sacando a la luz unas notables pérdidas.  Pero es que, además,  en el año 2014 los técnicos del Banco de España designados como peritos en las diligencias penales que sigue el Juzgado Central de Instrucción nº 4 confirmaron   que las cuentas de la entidad del año 2011 no mostraban una imagen fiel de su situación financiera, la cual llegaron a calificar de muy deteriorada.  Este último hecho resulta especialmente relevante porque ofrece incluso la posibilidad de alegar, con las debidas cautelas, la existencia de falsedad en los datos ofrecidos por la entidad bancaria para la oferta pública de suscripción de acciones.

Como consecuencia, podrá reclamar la devolución del precio de las acciones junto con los correspondientes intereses, cualquiera que hubiera comprado acciones de Bankia entre julio de 2011, fecha su oferta pública de suscripción, y el 25 de mayo  de 2012, fecha en la que el nuevo equipo gestor de la entidad reformuló las cuentas de la entidad.

Cabe señalar que la reclamación se podría instar en diversas jurisdicciones y con diversos fundamentos, no obstante, lo más aconsejable es acudir a la vía civil, ante el juzgado de instancia, y solicitando que se declare la nulidad del contrato de adquisición por error o vicio del consentimiento y la devolución del dinero y sus intereses.

El plazo para el ejercicio de esta acción en concreto es de 4 años desde que el suscriptor tuvo conocimiento del error, lo que aconteció con la reformulación de las cuentas el 25 de mayo de 2012, por lo que la acción habrá de ejercitarse antes del 25 de mayo de 2016.

Cabe también la posibilidad, ofrecida fundamentalmente por grandes despachos, de hacer efectiva la reclamación por medio de una demanda colectiva, es decir,  junto con otros muchos perjudicados en una misma demanda, y alegando fundamentalmente que existe vicio de consentimiento por una falsedad en las cuentas, lo que afectaría por igual a todos los compradores demandantes .

Sin embargo, han sido varios los juzgados que han inadmitido las reclamaciones colectivas por entender que no les compete a estos juzgados pronunciarse sobre la falsedad de las cuentas, y  que, al englobar en una sola reclamación inversores  de muy distinta cuantía económica y perfil, el ejercicio conjunto obliga a un tratamiento muy genérico del error o vicio del consentimiento, lo que resulta muy difícilmente compatible con la propia naturaleza de una acción que analiza, precisamente,  el error o vicio en el  consentimiento de cada uno de ellos.

205 pensamientos en “Cómo recuperar el dinero invertido en acciones de Bankia

  1. Its such as you read my thoughts! You appear to know a lot about
    this, like you wrote the guide in it or something.

    I think that you could do with some % to pressure
    the message house a bit, however instead of that, this is excellent blog.
    A fantastic read. I’ll definitely be back.

  2. Your style is really unique in comparison to other people I ave read stuff from. Thank you for posting when you have the opportunity, Guess I all just bookmark this page.

  3. What’s Happening i am new to this, I stumbled upon this I have discovered
    It positively useful and it has helped me out loads.
    I am hoping to contribute & assist other users like its helped me.

    Great job.

  4. of course like your web-site but you have to check the spelling on quite a few of your posts.
    Several of them are rife with spelling problems and I find it very
    bothersome to tell the truth then again I’ll surely come again again.

  5. When I initially commented I appear to have clicked the -Notify me when new comments are added-
    checkbox and now whenever a comment is added I get
    four emails with the exact same comment. Is there an easy method you are
    able to remove me from that service? Thanks a lot!

  6. Hey! I know this is somewhat off-topic however I needed to ask.
    Does operating a well-established blog such as yours require
    a large amount of work? I am completely new to writing a blog but I do write in my journal everyday.
    I’d like to start a blog so I can easily share my personal experience and thoughts online.

    Please let me know if you have any suggestions or tips
    for brand new aspiring bloggers. Thankyou!

  7. Howdy! I know this is kind of off topic but I was wondering which blog
    platform are you using for this website? I’m getting
    sick and tired of WordPress because I’ve had problems with hackers and I’m looking at
    options for another platform. I would be fantastic if you could point me in the direction of a good platform.

  8. I am not sure where you are getting your information, but great topic.

    I needs to spend some time learning much more or understanding
    more. Thanks for excellent info I was looking for this info for my mission.

  9. naturally like your website but you need to take a look at the spelling on quite
    a few of your posts. Several of them are rife with spelling issues and I in finding it very troublesome to
    inform the reality on the other hand I’ll surely come
    again again.

  10. Howdy very cool blog!! Man .. Beautiful ..
    Amazing .. I’ll bookmark your blog and take the feeds additionally?

    I’m glad to find so many helpful info here within the
    publish, we need work out more techniques on this regard, thank you for sharing.
    . . . . .

  11. Heya! I know this is sort of off-topic however I had to ask.

    Does operating a well-established website like yours take a
    massive amount work? I’m brand new to blogging but I do write in my journal daily.
    I’d like to start a blog so I can easily
    share my personal experience and feelings online. Please let me know if you have
    any kind of ideas or tips for new aspiring blog owners.
    Appreciate it!

  12. I have been exploring for a bit for any high-quality articles or blog posts in this kind of area .

    Exploring in Yahoo I finally stumbled upon this website.
    Studying this information So i am satisfied to exhibit that I have a very just right uncanny feeling
    I came upon just what I needed. I so much undoubtedly will make sure to do not
    forget this site and provides it a glance on a relentless basis.

  13. An interesting discussion is worth comment. I do think
    that you ought to publish more about this issue, it may not be a taboo subject
    but generally people don’t speak about these issues.
    To the next! Cheers!!

  14. I simply want to say I am very new to blogging and really liked you’re page. Most likely I’m want to bookmark your blog post . You surely have wonderful writings. Appreciate it for revealing your website.

  15. Hmm it appears like your website ate my first comment (it
    was super long) so I guess I’ll just sum it up what I wrote and
    say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new
    to everything. Do you have any helpful hints for newbie blog writers?
    I’d certainly appreciate it.

  16. Superb site you have here but I was wondering if you knew of any message boards that cover the same topics discussed in this article?
    I’d really love to be a part of community where I can get advice from other experienced individuals that share the
    same interest. If you have any suggestions, please let me
    know. Cheers!

  17. This design is wicked! You certainly know how to keep a reader
    entertained. Between your wit and your videos, I was almost moved to
    start my own blog (well, almost…HaHa!) Great
    job. I really loved what you had to say, and more than that, how
    you presented it. Too cool!

  18. Great beat ! I would like to apprentice at the same time
    as you amend your website, how can i subscribe for a blog
    web site? The account helped me a applicable deal. I have been a little bit acquainted of this your broadcast provided vivid transparent idea

  19. With havin so much content and articles do you ever run into any problems of plagorism or copyright violation? My site has a lot of unique content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the web without my permission. Do you know any techniques to help stop content from being ripped off? I’d genuinely appreciate it.

  20. We are a bunch of volunteers and starting a new scheme in our community. Your web site offered us with valuable information to paintings on. You have done an impressive activity and our entire group will be grateful to you.

  21. There are a few intriguing points over time in this post but I don’t determine if I see all of them center to heart. There is certainly some validity but I’m going to take hold opinion until I take a look at it further. Great post , thanks so we want far more! Added to FeedBurner in addition

  22. Hmm is anyone else having problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.

  23. Regards for just a wonderful knowledge together with in all areas of your webblog, here are some is a touch ask for an internet site subscribers. Who also quotes down the page premium? . . . .Speak out delicately and in addition have a top staff; you’ll turn out some distance.

  24. The vacation delivers on offer are : believed a selection of some of the most selected and additionally budget-friendly global. Any of these lodgings tend to be very used along units may accented by means of pretty shoreline supplying crystal-clear turbulent waters, concurrent with the Ocean. hotels packages

  25. Faytech North America is a touch screen Manufacturer of both monitors and pcs. They specialize in the design, development, manufacturing and marketing of Capacitive touch screen, Resistive touch screen, Industrial touch screen, IP65 touch screen, touchscreen monitors and integrated touchscreen PCs. Contact them at http://www.faytech.us, 121 Varick Street, New York, NY 10013, +1 646 205 3214

  26. An impressive share, I given this onto a colleague who had previously been doing little analysis for this. And he in reality bought me breakfast simply because I came across it for him.. smile. So well then, i’ll reword that: Thnx with the treat! But yeah Thnkx for spending plenty of time to talk about this, Personally i think strongly regarding it and adore reading much more about this topic. When possible, as you become expertise, do you mind updating your site with an increase of details? It’s extremely useful for me. Big thumb up just for this blog post!

  27. I absolutely love your blog and find the majority of your post’s
    to be precisely what I’m looking for. can you offer guest
    writers to write content for you personally? I wouldn’t mind publishing a post
    or elaborating on most of the subjects you write with regards
    to here. Again, awesome web site!

  28. Emery EPS is a Search Engine Optimization company that provides SEO Services. Their proprietary SEO strategies help struggling websites and aspiring business owners to rank their websites higher in multiple search engines like Google , Yahoo and Bing. They provide local and gmb map ranking for businesses in Coasta Rica, New York, Los Angeles, Portland, Sacramento, Phoenix, Las Vegas, Denver, Houston, California and many other local areas. Find more at https://www.emeryeps.com.

  29. I don’t know if it’s just me or if perhaps everybody else experiencing
    problems with your website. It seems like
    some of the text on your content are running off the screen. Can someone else please comment and let me know if this
    is happening to them as well? This might be a issue
    with my internet browser because I’ve had this happen before.
    Many thanks

  30. Do you have a spam problem on this blog; I also am a blogger, and I was wanting to know your situation; many of us
    have developed some nice practices and we are looking to trade methods with
    others, why not shoot me an email if interested. plenty of fish natalielise

Deja un comentario

Tu dirección de correo electrónico no será publicada. Los campos necesarios están marcados *

Puedes usar las siguientes etiquetas y atributos HTML: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>