Seguro colectivo de vida de saldo deudor. Se rechazó la legitimación activa de las asociaciones de consumidores
Published date | 05 April 2011 |
Date | 05 April 2011 |
Law Firm | Marval O'Farrell Mairal |
La asociación de consumidores actora promovió la acción a efectos de que se declare la nulidad de los contratos de seguros colectivos de vida de saldo deudor celebrados en el marco de los préstamos de cualquier naturaleza otorgados por la entidad bancaria demandada a sus clientes. Sostuvo que las demandadas no permitían a los clientes elegir la compañía aseguradora y cobraban además un premio que excedía el valor corriente de plaza. Reclamó también el reintegro de lo percibido por este supuesto exceso durante los últimos tres años.
Las demandadas BBVA Banco Francés S.A. y Consolidar Cía. de Seguros de Vida S.A. opusieron, entre otras excepciones, la falta de legitimación de la actora para accionar.
La Sala A de la Cámara de Apelaciones en lo Comercial confirmó la sentencia de primera instancia que había hecho lugar a la excepción de falta de legitimación activa interpuesta.
Por un lado, sostuvo la Sala A que la entidad bancaria ofrece a los clientes la posibilidad de elegir, de entre diversas compañías aseguradoras, cuál le prestará la cobertura. Es claro entonces que el vínculo derivado de la contratación de cada préstamo se da entre cada cliente y la entidad bancaria, sin que exista vínculo entre los deudores. De lo que resulta entonces que lo que la asociación de consumidores actora reclama está basado en intereses individuales.
Por otro lado, la alegación de un abuso de situación económicamente dominante o de error excusable atendible solo puede ser formulada por cada cliente en particular, sin que quepa otorgarle legitimación para efectuar un planteo de tal naturaleza a una entidad de defensa...
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