Home News e Sentenze Nullità del contratto “MY WAY” e “FOR YOU” per difetto di meritevolezza degli interessi perseguiti

Nullità del contratto “MY WAY” e “FOR YOU” per difetto di meritevolezza degli interessi perseguiti

my way for youCassazione Civile, Sez. I, 27 febbraio 2017, n. 4907 – Pres. Rel. Di Palma

Nel negozio atipico denominato “MY WAY” e ” FOR YOU” sussiste un’oggettiva sproporzione tra le controprestazioni la quale si accompagna a una disparità di posizione tra l’intermediario e il risparmiatore, pertanto il contratto è nullo per difetto di meritevolezza di tutela degli interessi perseguiti dalle parti.

Nella fattispecie concreta cui si riferisce il procedimento, veniva in rilievo un contratto di finanziamento concluso da un risparmiatore e un istituto bancario, avente ad oggetto un’operazione finanziaria denominata “MY WAY”. La Suprema Corte delinea le caratteristiche principali del negozio: il piano si articola, di fatto, in un contratto di mutuo, da rimborsarsi in rate mensili nell’arco di un lungo periodo di tempo, in cui il risparmiatore però non può disporre della somma erogata, in quanto la stessa resta subito vincolata all’acquisto di strumenti finanziari, i quali sono costituiti in pegno a garanzia dell’adempimento dell’obbligazione del cliente; inoltre, la banca, per ciascuna ciascuna operazione posta in essere per conto del cliente, riscuote le relative commissioni.

Il Supremo Collegio rileva che, sotto il profilo strutturale, l’operazione ab origine prevede un radicale squilibrio tra le prestazioni gravanti sulle parti. La Corte precisa che ciò dipende da un’oggettiva disparità delle posizioni di partenza, tra un soggetto qualificato e professionale -quale è l’intermediario finanziario- e il risparmiatore, il quale non ha una particolare esperienza nel settore. L’istituto bancario, infatti, avvalendosi delle proprie superiori competenze in tema di strumenti finanziari, “ne profitta per indurre il cliente a stipulare un contratto prospettato come idoneo a soddisfare aspettative diverse […] ma in realtà utile solo ad assicurare un vantaggioso finanziamento alle attività che la banca intende svolgere”.

La Suprema Corte afferma che l’ordinamento non può prestare tutela nei confronti di un soggetto professionale che trae vantaggio da un simile squilibrio, pertanto dichiara la nullità del contratto atipico denominato “MY WAY” per difetto di meritevolezza di tutela degli interessi perseguiti dalle parti ai sensi dell’art. 1322, comma 2 cod. civ.

My WAY cassazione_civile_sez._i_27_febbraio_2017_n._4907

 

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