{"id":1369,"date":"2019-09-23T13:35:55","date_gmt":"2019-09-23T11:35:55","guid":{"rendered":"https:\/\/ruaabogados.es\/?p=1369"},"modified":"2025-07-29T13:36:46","modified_gmt":"2025-07-29T11:36:46","slug":"swap-2019","status":"publish","type":"post","link":"https:\/\/ruaabogados.es\/en\/swap-2019\/","title":{"rendered":"Cuatro cosas que necesitas saber para reclamar un SWAP"},"content":{"rendered":"<p>Por norma, un\u00a0<strong>SWAP o permuta financiera\u00a0<\/strong>no se puede cancelar anticipadamente, a no ser que el cliente abone una importante penalizaci\u00f3n que puede llegar a ser muy elevada.<\/p>\n<p>Independientemente de que se haya cancelado anticipadamente o no, los afectados por este producto bancario pueden reclamar judicialmente las perdidas sufridas con el mismo.<\/p>\n<p><strong>\u00bfQu\u00e9 tener en cuenta antes de reclamar un SWAP?<\/strong><\/p>\n<p>En las pr\u00f3ximas l\u00edneas vamos a repasar cuatro aspectos decisivos para entender el proceso de reclamaci\u00f3n de este\u00a0<strong>producto financiero<\/strong>.<\/p>\n<p><strong>Plazo\u00a0<\/strong><\/p>\n<p>Tal y como impone el marco legal al respecto, la acci\u00f3n de nulidad se extender\u00e1 4 a\u00f1os desde el momento de la consumaci\u00f3n de tu contrato, esto es, desde la finalizaci\u00f3n del mismo.<\/p>\n<p>En este sentido, tambi\u00e9n cabr\u00eda la posibilidad de ejercitar una acci\u00f3n de responsabilidad contractual por da\u00f1os y perjuicios, cuyo plazo de finalizaci\u00f3n depende de la fecha de suscripci\u00f3n de la permuta o cobertura. No obstante, en la mayor\u00eda de casos, el plazo para ejercitar esta acci\u00f3n finalizar\u00eda el pr\u00f3ximo 7 de octubre de 2020.<\/p>\n<p><strong>Documentaci\u00f3n necesaria<\/strong><\/p>\n<p>Una demanda de este tipo debe ser presentada ante el juzgado del domicilio del demandante. Para la interposici\u00f3n de la demanda es necesario disponer del\u00a0<strong>contrato de SWAP<\/strong>\u00a0y de\u00a0<strong>los recibos de las diferentes cuotas<\/strong>\u00a0que permitan conocer la p\u00e9rdida total causada por el mismo.<\/p>\n<p><strong>\u00bfQu\u00e9 puedes conseguir?<\/strong><\/p>\n<p>Con la estimaci\u00f3n de la reclamaci\u00f3n, el cliente recuperar\u00eda todo el dinero perdido con la inversi\u00f3n con sus intereses.<\/p>\n<p><strong>\u00bfCu\u00e1nto tiempo tarda la reclamaci\u00f3n?<\/strong><\/p>\n<p>La duraci\u00f3n del procedimiento depende del juzgado, en todo caso, la media de duraci\u00f3n del procedimiento puede ser de entre 10 y 12 meses desde la presentaci\u00f3n de la demanda.<\/p>\n<p>At\u00a0<a href=\"http:\/\/ruaabogados.es\/en\/\"><strong>R\u00faa Abogados<\/strong><\/a>, hemos ayudado a cientos de personas de toda Espa\u00f1a a recuperar el dinero perdido en un SWAP o contrato de cobertura y t\u00fa puedes ser el siguiente. Ponte en contacto con nosotros y solicita m\u00e1s informaci\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Por norma, un SWAP o permuta financiera no se puede cancelar anticipadamente, a no ser que el cliente abone una importante penalizaci\u00f3n que puede llegar a ser muy elevada.<\/p>\n<p>Independientemente de que se haya cancelado anticipadamente o no, los afectados por este producto bancario pueden reclamar judicialmente las perdidas sufridas con el mismo.<\/p>\n<p>\u00bfQu\u00e9 tener en cuenta antes de reclamar un SWAP?<\/p>","protected":false},"author":1,"featured_media":1371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ruaabogados.es\/en\/swap-2019\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados\" \/>\n<meta property=\"og:description\" content=\"Por norma, un SWAP o permuta financiera no se puede cancelar anticipadamente, a no ser que el cliente abone una importante penalizaci\u00f3n que puede llegar a ser muy elevada.  Independientemente de que se haya cancelado anticipadamente o no, los afectados por este producto bancario pueden reclamar judicialmente las perdidas sufridas con el mismo.  \u00bfQu\u00e9 tener en cuenta antes de reclamar un SWAP?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ruaabogados.es\/en\/swap-2019\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00faa Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-23T11:35:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-29T11:36:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"848\" \/>\n\t<meta property=\"og:image:height\" content=\"520\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/ruaabogados.es\/#\/schema\/person\/bb9f2c95480d98399e81cec71f5ec98f\"},\"headline\":\"Cuatro cosas que necesitas saber para reclamar un SWAP\",\"datePublished\":\"2019-09-23T11:35:55+00:00\",\"dateModified\":\"2025-07-29T11:36:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/\"},\"wordCount\":352,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/ruaabogados.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/ruaabogados.es\/swap-2019\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/\",\"url\":\"https:\/\/ruaabogados.es\/swap-2019\/\",\"name\":\"Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados\",\"isPartOf\":{\"@id\":\"https:\/\/ruaabogados.es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg\",\"datePublished\":\"2019-09-23T11:35:55+00:00\",\"dateModified\":\"2025-07-29T11:36:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ruaabogados.es\/swap-2019\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage\",\"url\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg\",\"contentUrl\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg\",\"width\":848,\"height\":520},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ruaabogados.es\/swap-2019\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/ruaabogados.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cuatro cosas que necesitas saber para reclamar un SWAP\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ruaabogados.es\/#website\",\"url\":\"https:\/\/ruaabogados.es\/\",\"name\":\"R\u00faa Abogados\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/ruaabogados.es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ruaabogados.es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ruaabogados.es\/#organization\",\"name\":\"R\u00faa Abogados\",\"url\":\"https:\/\/ruaabogados.es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/ruaabogados.es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/logo-rua.png\",\"contentUrl\":\"https:\/\/ruaabogados.es\/wp-content\/uploads\/logo-rua.png\",\"width\":976,\"height\":729,\"caption\":\"R\u00faa Abogados\"},\"image\":{\"@id\":\"https:\/\/ruaabogados.es\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/ruaabogados.es\/#\/schema\/person\/bb9f2c95480d98399e81cec71f5ec98f\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/ruaabogados.es\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5e9b43a154caa5a89df04ad0e355654d41b284d62f0fe0946b03bf6ddc9c41d1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5e9b43a154caa5a89df04ad0e355654d41b284d62f0fe0946b03bf6ddc9c41d1?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/ruaabogados.es\"],\"url\":\"https:\/\/ruaabogados.es\/en\/author\/hola_kofq6rib\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ruaabogados.es\/en\/swap-2019\/","og_locale":"en_GB","og_type":"article","og_title":"Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados","og_description":"Por norma, un SWAP o permuta financiera no se puede cancelar anticipadamente, a no ser que el cliente abone una importante penalizaci\u00f3n que puede llegar a ser muy elevada.  Independientemente de que se haya cancelado anticipadamente o no, los afectados por este producto bancario pueden reclamar judicialmente las perdidas sufridas con el mismo.  \u00bfQu\u00e9 tener en cuenta antes de reclamar un SWAP?","og_url":"https:\/\/ruaabogados.es\/en\/swap-2019\/","og_site_name":"R\u00faa Abogados","article_published_time":"2019-09-23T11:35:55+00:00","article_modified_time":"2025-07-29T11:36:46+00:00","og_image":[{"width":848,"height":520,"url":"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ruaabogados.es\/swap-2019\/#article","isPartOf":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/"},"author":{"name":"admin","@id":"https:\/\/ruaabogados.es\/#\/schema\/person\/bb9f2c95480d98399e81cec71f5ec98f"},"headline":"Cuatro cosas que necesitas saber para reclamar un SWAP","datePublished":"2019-09-23T11:35:55+00:00","dateModified":"2025-07-29T11:36:46+00:00","mainEntityOfPage":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/"},"wordCount":352,"commentCount":0,"publisher":{"@id":"https:\/\/ruaabogados.es\/#organization"},"image":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage"},"thumbnailUrl":"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg","articleSection":["Uncategorized"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/ruaabogados.es\/swap-2019\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/ruaabogados.es\/swap-2019\/","url":"https:\/\/ruaabogados.es\/swap-2019\/","name":"Cuatro cosas que necesitas saber para reclamar un SWAP - R\u00faa Abogados","isPartOf":{"@id":"https:\/\/ruaabogados.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage"},"image":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage"},"thumbnailUrl":"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg","datePublished":"2019-09-23T11:35:55+00:00","dateModified":"2025-07-29T11:36:46+00:00","breadcrumb":{"@id":"https:\/\/ruaabogados.es\/swap-2019\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ruaabogados.es\/swap-2019\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/ruaabogados.es\/swap-2019\/#primaryimage","url":"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg","contentUrl":"https:\/\/ruaabogados.es\/wp-content\/uploads\/swap-despacho-ruaabogados2019-2.jpg","width":848,"height":520},{"@type":"BreadcrumbList","@id":"https:\/\/ruaabogados.es\/swap-2019\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/ruaabogados.es\/"},{"@type":"ListItem","position":2,"name":"Cuatro cosas que necesitas saber para reclamar un SWAP"}]},{"@type":"WebSite","@id":"https:\/\/ruaabogados.es\/#website","url":"https:\/\/ruaabogados.es\/","name":"R\u00faa Abogados","description":"","publisher":{"@id":"https:\/\/ruaabogados.es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ruaabogados.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/ruaabogados.es\/#organization","name":"R\u00faa Abogados","url":"https:\/\/ruaabogados.es\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/ruaabogados.es\/#\/schema\/logo\/image\/","url":"https:\/\/ruaabogados.es\/wp-content\/uploads\/logo-rua.png","contentUrl":"https:\/\/ruaabogados.es\/wp-content\/uploads\/logo-rua.png","width":976,"height":729,"caption":"R\u00faa Abogados"},"image":{"@id":"https:\/\/ruaabogados.es\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/ruaabogados.es\/#\/schema\/person\/bb9f2c95480d98399e81cec71f5ec98f","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/ruaabogados.es\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5e9b43a154caa5a89df04ad0e355654d41b284d62f0fe0946b03bf6ddc9c41d1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5e9b43a154caa5a89df04ad0e355654d41b284d62f0fe0946b03bf6ddc9c41d1?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/ruaabogados.es"],"url":"https:\/\/ruaabogados.es\/en\/author\/hola_kofq6rib\/"}]}},"_links":{"self":[{"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/posts\/1369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/comments?post=1369"}],"version-history":[{"count":2,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/posts\/1369\/revisions"}],"predecessor-version":[{"id":1372,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/posts\/1369\/revisions\/1372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/media\/1371"}],"wp:attachment":[{"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/media?parent=1369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/categories?post=1369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ruaabogados.es\/en\/wp-json\/wp\/v2\/tags?post=1369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}