Home News e Sentenze Valutazione di adeguatezza mancante: risarciti investitori.

Valutazione di adeguatezza mancante: risarciti investitori.

Valutazione di adeguatezza mancante: risarciti investitori.

Nell’acquisto di un prodotto finanziario la valutazione di adeguatezza deve essere condotta nei confronti di entrambi i contitolari del conto: legittimo il risarcimento.

Parma, 15 aprile 2020 – L’Arbitro per le Controversie Finanziarie (ACF) ha riconosciuto il diritto ad essere risarciti ad una coppia di risparmiatori che aveva sottoscritto l’acquisto di prodotti finanziari, per mancata valutazione del profilo di entrambi e per ritenuta inadeguatezza rispetto al profilo dell’unico contitolare valutato dalla banca.

I ricorrenti, una coppia con un conto corrente cointestato e con firma disgiunta sullo stesso, nel marzo 2015 avevano entrambi sottoscritto l’acquisto di quote del fondo Morgan Stanley Diversified Alpha Plus, attraverso la filiale del Banco BPM Spa di cui erano clienti, su suggerimento del proprio consulente finanziario e dietro la rassicurazione di quest’ultimo che si trattasse di un prodotto a capitale garantito.

I ricorrenti si accorgevano però, nel febbraio 2018, del notevole decremento del loro investimento e, contestato immediatamente l’accaduto all’istituto di credito del quale erano clienti, si rivolgevano poi, con l’assistenza di Confconsumatori, all’Arbitro per le Controversie Finanziarie lamentando l’inadeguatezza del prodotto finanziario acquistato rispetto al proprio profilo.

L’istituto di credito fondava la propria difesa sul fatto che trattandosi di conto corrente con firma disgiunta fosse possibile valutare l’idoneità del prodotto finanziario nei confronti di uno soltanto dei cointestatari, che nel caso specifico aveva caratteristiche tali da essere ritenuto, secondo lo stesso istituto di credito, idoneo a quella tipologia di investimento.

L’Arbitro per le Controversie Finanziarie, nel decidere la questione, ha invece rilevato in primo luogo come la sottoscrizione di un prodotto finanziario ad opera di entrambi i contitolari di un conto, pur se con firma disgiunta, produca tutti gli effetti di un investimento congiunto e come tale la valutazione di adeguatezza debba essere condotta nei confronti di entrambi i contitolari del conto.

In ogni caso, con decisione del marzo 2020, l’Arbitro ha evidenziato come la valutazione fatta dall’istituto di credito nei confronti di uno soltanto dei due contitolari del conto non potesse definirsi corretta dal momento che il profilo di quest’ultimo non era compatibile con la sottoscrizione di quote del fondo Morgan Stanley Diversified Alpha Plus.

«La decisione dell’ACF – commenta l’Avvocato Grazia Ferdenzi, che per conto di Confconsumatori ha assistito i risparmiatori – è molto importante perché impone l’obbligo, per l’istituto di credito che propone l’acquisto di un qualsiasi prodotto finanziario ai vari contitolari di un conto, di estendere la valutazione di adeguatezza a tutti i contitolari del conto stesso, non essendo sufficiente che uno solo degli stessi sia “profilato” e giudicato idoneo».

La coppia contitolare del conto dovrà così essere risarcita della differenza tra il capitale investito e il valore dell’investimento al momento in cui gli investitori hanno avuto conoscenza del carattere non adeguato del prodotto finanziario rispetto all’unico profilo valutato dall’istituto di credito.

(fonte www.https://www.confconsumatori.it/valutazione-di-adeguatezza-mancante-risarciti-investitori)

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