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Clips Bankinter is a financial product that Bankinter and describes itself on its website :

BANKINTER CLIPS: DESCRIPTION
	Bankinter A Clip is an innovative product created for all its variable interest financing is protected against higher rates. In this way, you can mitigate the financial risk of all your loans and manage the cost of debt, whether or not that debt is Bankinter.
	A Clip applicable Bankinter to every specific need and every market situation, which can offer the best at all times. When it comes to holding something, there is nothing simpler and more effective than a Clip Bankinter.

We see that at all times Bankinter Bankinter Clips describes her as a hedge against rising rates. Well, it seems that is not only a hedge against rising rates. According to many of its customers, which was sold as a hedge against higher interest rates was not only that, but a derivative contract (I guess Euribor swaps) that required to pay if the Euribor down instead of up. And not only that, but the cancellation is substantial payments.

In inverforo can read testimonies of people affected as follows:

Originally Posted by clip

hi all! I have a serious problem with this product bankinter: it is a safe interest rate that you sold as a hedge against rising interest rates, so that if you pay the Euribor up and if your low pay. In my case, I practically "forced" to hire and while the Euribor has risen in the past year I have had settlements Quarterly 80 - 100 euros for me (except one of 200 euros on me.)

It turns out that with the descent of euribor the next settlement of 1,150 euros will be against me (and the remaining 8 will be even worse), and when I say I want to cancel, they tell me he would pay the equivalent of all pending settlements with an estimated euribor that make them (even the Euribor for within two years!), which results in the beautiful figure of 15,500 euros.

Originally Posted by noclip

Hello, me interested in this topic, I too have been "clipped" by Bankinter, just put a complaint through their website. In my case I hired him in June, as renewed in October with the Euribor to stop and ask me to cancel now € 8,000, and that this year I returned € 100, but I want to cancel as soon as possible, because according to what I have read, the cancellation is rising higher and the next renewal and I do not care.

Originally Posted by Gargi

clipper42,
Thursday will contact my lawyer with me to aclarme the situation and possibilities, etc. .. When talking with him I get in touch. In my case claim two things. One is the amount of cancellation (which I reported) not that way I recommend, and the other is that I canceled April and I have a copy of the cancellation and the trade had no idea and I was told that I could cancel it at the windows available without cost (except the winding slope) was so startled to see that I had to say that I was going to charge 4000 euros (then, now will lead the 14000-imagining, because I still do not clarified where does the amount), which did not cancel the product (whether it was the adviser, was frightened, imagine the information you gave me, and he to imagine the shock that we have given all.) So I think the amount would not go back to that date (I say) and a proportionate and justified cancellation. But wait for the opinion of an expert.

Originally Posted by musete77

We are in the same situation a week ago I approached my office Bankinter, to ask my "advisor" about the cancellation of the clip, he said he had no idea but was informed and would call me the next day. If my wife does not call today, no noses to call it, we said we would have to pay 5000 € ... White has left us. I wonder what path you are following, for better uniting in a common complaint, or individual.

has all the earmarks of being a typical product that will sell one speaking only of their virtues, but without explaining their "buts." There is nothing else to do their website. However, suppose that the contract would spell out what the product and explain the risks. We will see how this ends.




Upgrade to July 9, 2009 to include a link to a news Cotizalia.com that surely will appeal to those affected: The Bank of Spain gives reason to those affected by the mortgage clips Bankinter.