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ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff ffff040000002d0100000800000026060f000600535a592d423107000000fc020000000000000000040000002d010300040000002d01020004000000f0010100030000000000}}{\i\f36\fs25\expnd0\expndtw-3\insrsid5341110\charrsid1713265 \par }\pard \ql \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 TRIBUNAL SUPERIOR DE DISTRITO JUDICIAL DE BOGOTA D.C. \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 SALA CIVIL \par }\pard \ql \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid1713265 MAGISTRADA PONENTE \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 MAR\'cdA PATRICIA CRUZ MIRANDA \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid1713265 Bogot\'e1 D.C., }{\f36\fs25\insrsid2839591 tres}{\f36\fs25\insrsid5341110\charrsid1713265 (}{ \f36\fs25\insrsid2839591 3}{\f36\fs25\insrsid5341110\charrsid1713265 ) de }{\f36\fs25\insrsid2839591 mayo}{\f36\fs25\insrsid5341110\charrsid1713265 de dos mil diez (2010) \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 Proceso Ordinario}{\b\f36\fs25\insrsid5341110\charrsid1713265 de }{\b\f36\fs25\insrsid5341110 Hernando de Jes\'fa s Aristizabal Salazar y Maissie Jaramillo de Aristizabal}{\b\f36\fs25\insrsid5341110\charrsid1713265 contra }{\b\f36\fs25\insrsid5341110 el Banco Colpatria-Red Multibanca Colpatria S.A.}{\b\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs22\insrsid5341110\charrsid1459573 Discutido y aprobado en sesi\'f3n de Sala de Decisi\'f3n del 7 de abril de 2010, seg\'fa n acta No 12 de la misma fecha. \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid1713265 Se decide la impugnaci\'f3n a que fue sometido el fallo de primera instancia proferido el }{ \f36\fs25\insrsid5341110 19}{\f36\fs25\insrsid5341110\charrsid1713265 de }{\f36\fs25\insrsid5341110 octubre}{\f36\fs25\insrsid5341110\charrsid1713265 del 200}{\f36\fs25\insrsid5341110 6}{\f36\fs25\insrsid5341110\charrsid1713265 por el Juzgado }{ \f36\fs25\insrsid5341110 Sexto Civil del Circuito}{\f36\fs25\insrsid5341110\charrsid1713265 }{\f36\fs25\insrsid5341110 de Descongesti\'f3n }{\f36\fs25\insrsid5341110\charrsid1713265 de esta ciudad, dentro de}{\f36\fs25\insrsid5341110 l proceso }{ \f36\fs25\insrsid5341110\charrsid1713265 de la referencia. \par }\pard \ql \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\insrsid5341110 \par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 I. }{\b\f36\fs25\insrsid5341110\charrsid1713265 ANTECEDENTES}{\b\f36\fs25\insrsid5341110 \par \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1. }{\f36\fs25\insrsid5341110\charrsid12874786 Mediante apoderado judicial, Hernando de Jes\'fa s Aristizabal Salazar y Maissie Jaramillo de Aristizabal}{\f36\fs25\insrsid5341110, fo}{\f36\fs25\insrsid5341110\charrsid12874786 rmularon demanda contra el Banco Colpatria-Red Multibanca Colpatria S.A., a fin que, previo el tr\'e1 mite de un proceso ordinario de mayor cuant\'eda, se }{\f36\fs25\insrsid5341110 hiciesen}{\f36\fs25\insrsid5341110\charrsid12874786 las siguientes declaraciones}{\f36\fs25\insrsid5341110 y condenas}{\f36\fs25\insrsid5341110\charrsid12874786:}{ \f36\fs25\insrsid5341110 \par 1.1.
Que no existe ninguna obligaci\'f3n dineraria a cargo de los demandantes y en favor de la demandada derivada de los cr\'e9ditos personales adquiridos para la }{\f36\fs25\insrsid2839591 compra}{\f36\fs25\insrsid5341110 de los aparta suites 619 y 620 del edificio ubicado en la calle 95 No 9-65/67/95 y 9A-09/27 de Bogot\'e1. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1.2.
Que es nulo el pagar\'e9 No 2000-00379467 por virtud del cual los accionantes se obligaron a pagar al Banco Colp atria la suma de $108\rquote 000.000.oo, por mediar error dirimente en su suscripci\'f3n y provenir de una falsa causa. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1.3.
Que es nula la escritura p\'fablica No 1421 del 6 de abril de 1998 otorgada en la Notar\'eda Novena de Bogot\'e1, a trav\'e9s de la cual los demandantes constituyeron hipoteca para garantizar la antedicha obligaci\'f3n, como consecuencia del error al que fueron inducidos mediante enga\'f1 o, la fuerza moral sobre ellos ejercida y la falsa causa que dio origen a su creaci\'f3n. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1.4.
Que el Banco Colpatria debe devo lver a los demandantes todo el dinero que les ha sido cobrado de forma indebida junto con los incrementos e intereses respectivos. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1.5.
Que los demandantes son libres y plenos propietarios de los inmuebles a que se ha hecho alusi\'f3n. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2. }{\f36\fs25\insrsid5341110\charrsid12407869 La parte actora ciment\'f3 las anteriores pretensiones, en los hechos que a rengl\'f3 n seguido se sintetizan:}{\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2.1. }{\f36\fs25\insrsid5341110\charrsid12407869 Por }{\f36\fs25\insrsid5341110 e}{\f36\fs25\insrsid5341110\charrsid12407869 scritura } {\f36\fs25\insrsid5341110 p}{\f36\fs25\insrsid5341110\charrsid12407869 \'fablica No 4830 del 17 de septiembre de 1996 extendida en la Notar\'eda 17 de Bogot\'e1 }{\f36\fs25\insrsid5341110 l}{\f36\fs25\insrsid5341110\charrsid12407869 os accionantes adquirieron}{\f36\fs25\insrsid5341110 el dominio de los bienes ra\'edces citados en el libelo introductorio de manos de la sociedad Proyectos Inmobiliarios Ltda., a la que le fue sufragado el total del precio que ascendi\'f3 a $157\rquote 523.243.oo. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2.2.
En la cl\'e1usula quinta del mencionado documento escriturario la vendedora se oblig\'f3 al saneamiento y }{ \f36\fs25\insrsid11495849 a }{\f36\fs25\insrsid5341110 liberar, dentro de los 90 d\'edas siguientes, el predio de la hipoteca constituida sobre el predio de mayor extensi\'f3n a favor de la Corporaci\'f3n Popular de Ahorro y Vivienda Corpavi, absorbida luego por la Corporaci\'f3n de Ahorro y Vivienda Colpatria, compromiso \'e9ste \'faltimo que no cumpli\'f3 dada su insolvencia. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2.3.
Ante la presi\'f3n ejercida por Colpatria, consistente en la amenaza de proceder al embargo y remate de los inmuebles adquiridos, los compradores para obtener la liberaci\'f3n del gravamen respecto de tales bienes, suscribieron el pagar\'e9 y la hipoteca cuya nulidad impetran, no obstante haber satisfecho a la vendedora en su integridad el precio. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2.4.
Como consecuencia del error y la fuerza moral ejercida sobre ellos por la corporaci\'f3 n, los demandantes han sufragado una suma superior a los $60\rquote 000.000.oo. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 3. }{\f36\fs25\insrsid5341110\charrsid15296373 Admitida }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110\charrsid15296373 la demanda y notificado }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110\charrsid15296373 el auto admisorio }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110\charrsid15296373 de la misma a la demandada,}{\f36\fs25\insrsid6646848 }{ \f36\fs25\insrsid5341110\charrsid15296373 \'e9sta formul\'f3 las excepciones que denomin\'f3 }{\i\f36\fs25\insrsid5341110\charrsid5341110 \'93Eficacia o validez del negocio jur\'eddico\'94, \'93Inexistencia de vicios del consentimiento\'94,\'93 Inexistencia de responsabilidad del banco\'94, \'93Inexistencia de causa para pedir\'94 }{\i\f36\fs25\insrsid6646848 }{\i\f36\fs25\insrsid5341110\charrsid5341110 y }{\i\f36\fs25\insrsid6646848 }{\i\f36\fs25\insrsid5341110\charrsid5341110 \'93 Cobro de lo no debido\'94}{\i\f36\fs25\insrsid6646848; }{\f36\fs25\insrsid6646848\charrsid6646848 las que fueron }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid6646848\charrsid6646848 fundadas}{\i\f36\fs25\insrsid6646848 }{\i\f36\fs25\insrsid5341110 }{ \f36\fs25\insrsid6646848 en los}{\f36\fs25\insrsid5341110 siguientes argumentos: (i) que los contratos de mutuo}{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 e }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 hipoteca celebrados }{ \f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 entre las partes reunieron todos y cada uno de los }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 requisitos exigidos }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 para la existencia y validez de los actos jur\'eddicos, }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 incluida una causa real }{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 y}{\f36\fs25\insrsid6646848 }{\f36\fs25\insrsid5341110 l\'ed cita que consisti\'f3 en el beneficio econ\'f3mico que ambas partes recibieron por el perfeccionamiento de los aludidos negocios jur\'eddicos;
(ii)}{\f36\fs25\insrsid5341110\charrsid15296373 }{\f36\fs25\insrsid5341110 que el ejercicio de las acciones legales y la amenaza de impetrarlas no constituye fuerza o violencia moral, mientras sean justas, esto es, siempre que quien se tenga derecho legal a ello; (iii) que Colpatria en ning\'fan momento actu\'f3 de mala fe, con descuido o negligencia, ni indujo en error a los demandantes, quienes por su propia cuenta solicitaron el cr\'e9dito y una vez aprobado constituyeron la hipoteca para garantizarlo;
(iv) y, por \'fa ltimo, que en virtud de lo expuesto en precedencia no existe causa para pedir al banco el pago de suma alguna de dinero. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid5341110 II.}{\f36\fs25\insrsid5341110 }{\b\f36\fs25\insrsid5341110\charrsid5341110 SENTENCIA DE PRIMERA INSTANCIA}{ \f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110\charrsid14768495 Surtido el tr\'e1mite correspondiente,}{\f36\fs25\insrsid5341110 el Juzgado Primero Civil del Circuito de esta ciudad, en cumplimiento de disposiciones relativas a descongesti\'f3n judicial remiti\'f3 el expediente al Juzgado Sexto Civil}{\f36\fs25\insrsid5341110\charrsid14768495 }{\f36\fs25\insrsid5341110 del Circuito de Descongesti\'f3n, despacho \'e9ste que }{\f36\fs25\insrsid5341110\charrsid14768495 profiri\'f3 sentencia }{\f36\fs25\insrsid5341110 en la que deneg\'f3 las pretensiones y conden\'f3 en costas al extremo actor, tras considerar que no se acreditaron los supuestos f\'e1cticos de la demanda en cuanto concierne con la existencia de vicios del consentimiento en los contratos cuya nulidad se deprec\'f3. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid5341110 III.
DEL RECURSO DE APELACI\'d3N}{\b\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\b\f36\fs25\insrsid5341110\charrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 El apoderado de los demandantes interpuso recurso de apelaci\'f3n bajo el argumento que sus prohijados}{\f36\fs25\insrsid7800755,}{ \f36\fs25\insrsid5341110 luego de suscrito el pagar\'e9 y la hipoteca a que se contrae la demanda}{\f36\fs25\insrsid7800755,}{\f36\fs25\insrsid5341110 no recibieron contraprestaci\'f3n alguna de parte del ahora demandado}{\f36\fs25\insrsid7800755; que pese a que}{\f36\fs25\insrsid5341110 la sociedad vendedora, para responder por las obligaciones que adquiri\'f3 con Colpatria, otorg\'f3 suficientes garant\'edas, tal entidad los presion\'f3 y forz\'f3 de manera indebida para que suscribieran en su favor un nuevo pagar\'e9 y constituyeran otra hipoteca,}{\f36\fs25\insrsid7800755 haci\'e9ndoles creer lo contrario; que }{\f36\fs25\insrsid5341110 el banco demandado aprovech\'f3 el error en que hizo incurrir a los demandantes, respecto de la necesida}{\f36\fs25\insrsid7800755 d de suscribir nuevas garant\'edas}{\f36\fs25\insrsid5341110 y convirti\'f3 el derecho leg\'ed timo que asiste a cualquier acreedor hipotecario de iniciar el proceso correspondiente pa}{\f36\fs25\insrsid3213605 ra recaudar lo que se le adeuda}{\f36\fs25\insrsid5341110 en un medio ileg\'edtimo de presi\'f3n. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 El apoderado de la parte pasiva solicit\'f3 confirmar el fallo impugnado}{\f36\fs25\insrsid3213605 tras exponer que }{ \f36\fs25\insrsid5341110 los demandantes no probaron los supuestos f\'e1cticos de}{\f36\fs25\insrsid3213605 la demanda debido a su incuria y que }{\f36\fs25\insrsid5341110 los motivos de apelaci\'f3n \'93}{\i\f36\fs25\insrsid5341110 ni siquiera explican en qu\'e9 consisti\'f3 la falla probatoria en que incurri\'f3 el juez de primera instancia y mucho menos se refieren a los argumentos tanto de hecho como de derecho de la sentencia\'94.}{\i\f36\fs25\insrsid5341110\charrsid1450184 \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid3213605 IV. }{\b\f36\fs25\insrsid5341110\charrsid1713265 CONSIDERACIONES}{\b\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 {\b\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 1.
Presentes como se encuentran la capacidad de las partes para acudir al proceso, la demanda en forma y la competencia del juez para tramitar y decidir la instancia, se tiene que al plenario confluyen los denominados presupuestos procesales, circunstanci a que aunada a la ausencia de vicio con idoneidad anulatoria, permite proferir la decisi\'f3n que de esta Sala se reclama. \par }\pard\plain \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 \f1\fs22\expndtw-3\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 2.
En el umbral, observa el Tribunal que las pretensiones de la demanda no gozan de la claridad deseable, pues mientras que en la segunda y tercera deprecan la nulidad de los contratos de mutuo e hipoteca a que all\'ed se refieren por haber sido suscritos \'93}{\i\f36\fs25\insrsid5341110 como consecuencia del gran error al que fueron inducidos mediante actos enga\'f1osos y fuerza moral los demandantes\'94}{\f36\fs25\insrsid5341110, esto es, en presencia de vicios del consentimiento, en otros apartes impetran la nulidad del pagar\'e9 y la escritura p\'fablica por estar \'93}{\i\f36\fs25\insrsid5341110 viciados de nulidad absoluta por ser consecuencia de una falsa causa\'94 }{\f36\fs25\insrsid5341110 o por }{\i\f36\fs25\insrsid5341110 \'93obedecer su m\'f3vil o motivo de otorgamiento a una falsa o il\'edcita causa y en consecuencia tratarse de un error dirimente\'94, }{\f36\fs25\insrsid5341110 circunstancia que impone interpretar la demanda para clarificar a la luz del libelo genitor la real voluntad del demandante, tal y como en reiteradas oportunidades lo ha se\'f1alado la Sala de Casaci\'f3n Civil y Agraria de la Corte Suprema de Justicia }{ \f36\fs25\insrsid3213605 pues}{\f36\fs25\insrsid5341110 }{\i\f36\fs25\insrsid5341110\charrsid3213605 \'93}{\i\f36\fs25\insrsid3213605\charrsid3213605 (\'85)}{\i\f36\fs25\insrsid3213605 }{\f36\fs25\insrsid5341110 \lquote }{ \i\f36\fs25\insrsid5341110\charrsid13902295 cuando el lenguaje de la demanda, sin ser indescifrable por completo, no se ajusta a la claridad y precisi\'f3n indispensables en tan delicada materia}{\i\f36\fs25\insrsid5341110 \rquote }{ \f36\fs25\insrsid5341110\charrsid13902295 (CLXXXVIII, 139), para }{\i\f36\fs25\insrsid5341110 \lquote }{\i\f36\fs25\insrsid5341110\charrsid13902295 no sacrificar el derecho material en aras de un culto vano al formalismo procesal}{ \i\f36\fs25\insrsid5341110 \rquote }{\f36\fs25\insrsid5341110\charrsid13902295 (CCXXXIV, 234), }{\f36\fs25\insrsid5341110 \lquote }{\i\f36\fs25\insrsid5341110\charrsid13902295 el juzgador est\'e1 obligado a interpretarla en busca de su sentido genuino sin alterarlo ni sustituirlo, consultando la prevalencia del derecho sustancial, el acceso a la administraci\'f3n de justicia y la soluci\'f3n real de los conflictos}{\i\f36\fs25\insrsid5341110 \rquote }{\i\f36\fs25\insrsid5341110\charrsid13902295, }{\f36\fs25\insrsid5341110\charrsid13902295 realizando}{\i\f36\fs25\insrsid5341110\charrsid13902295 }{\f36\fs25\insrsid5341110 \lquote }{\i\f36\fs25\insrsid5341110\charrsid13902295 un an\'e1 lisis serio, fundado y razonable de todos sus segmento}{\i\f36\fs25\insrsid5341110 \rquote }{\i\f36\fs25\insrsid5341110\charrsid13902295, }{\i\f36\fs25\ul\insrsid5341110 \lquote }{\i\f36\fs25\ul\insrsid5341110\charrsid13902295 mediante su interpretaci \'f3n racional, l\'f3gica, sistem\'e1tica e integral}{\i\f36\fs25\ul\insrsid5341110 \rquote }{\i\f36\fs25\insrsid5341110\charrsid9056668 }{\f36\fs25\insrsid5341110\charrsid13902295 (cas. civ. sentencia de 27 de agosto de 2008, [SC-084-2008], expediente } {\f36\fs25\lang9226\langfe3082\langnp9226\insrsid5341110\charrsid13902295 11001-3103-022-1997-14171-01,}{\f36\fs25\insrsid5341110\charrsid13902295 \'e9nfasis de la Sala}{\f36\fs25\lang9226\langfe3082\langnp9226\insrsid5341110\charrsid13902295 )}{ \i\f36\fs25\insrsid5341110\charrsid13902295, }{\i\f36\fs25\insrsid5341110 \lquote }{\i\f36\fs25\insrsid5341110\charrsid13902295 siempre en conjunto, porque la intenci\'f3n del actor est\'e1 muchas veces contenida no s\'f3 lo en la parte petitoria, sino tambi\'e9n en los fundamentos de hecho y de derecho}{\i\f36\fs25\insrsid5341110 \rquote }{\i\f36\fs25\insrsid5341110\charrsid13902295, }{\f36\fs25\insrsid5341110\charrsid13902295 bastando}{ \i\f36\fs25\insrsid5341110\charrsid13902295 }{\i\f36\fs25\insrsid5341110 \lquote }{\i\f36\fs25\insrsid5341110\charrsid13902295 que ella aparezca claramente en el libelo, ya de una manera directa o expresa, }{ \i\f36\fs25\ul\insrsid5341110\charrsid13902295 ya por una interpretaci\'f3n l\'f3gica basada en todo el conjunto de la demanda}{\i\f36\fs25\ul\insrsid5341110 \rquote }{\f36\fs25\insrsid5341110\charrsid13902295 (XLIV, p. 527;
XIV, 488 y 833; LXI, 460; CXXXII, 241; CLXXVI, 182 y CCXXV, 2\'aa parte, 185).}{\f36\fs25\insrsid5341110 \'94}{\cs21\f36\fs25\super\insrsid5341110 \chftn {\footnote \pard\plain \s19\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs20\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\cs21\f36\super\insrsid5341110\charrsid13115702 \chftn }{\f36\insrsid5341110\charrsid13115702 Sent. del 6 de mayo del 2009. }{\f36\lang1033\langfe3082\langnp1033\insrsid5341110\charrsid13115702 M.P. William Namen Vargas Exp. 11001-3103-032-2002-00083-01.}}}{\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid3213605 Siendo ello as\'ed, al examinar}{\f36\fs25\insrsid5341110 el libelo introductorio se observa que los fundamentos f\'e1 cticos sobre los cuales reposan las pretensiones no guardan relaci\'f3n con la presencia de una causa il\'edcita en los negocios jur\'eddicos impugnados, sino que estriban en que }{\i\f36\fs25\insrsid5341110 \'93El pagar\'e9 y la hipoteca otorgados a favor de la corporaci\'f3n tuvieron su causa de origen en la amenaza de la corporaci\'f3n de proceder al embargo y remate de los inmuebles en caso de no entrar a participar con las deudas de la vendedora\'94 }{ \f36\fs25\insrsid5341110 y que \'93}{\i\f36\fs25\insrsid5341110 Como consecuencia del error de hecho en que incurrieron los demandante (sic) y de la fuerza moral ejercida por la corporaci\'f3 n, los demandantes han pagado a tal entidad indebidamente algo m\'e1s de }{\b\i\f36\fs25\insrsid5341110\charrsid7084630 SESENTA MILLONES DE PESOS MONEDA CORRIENTE\'94}{\f36\fs25\insrsid5341110, aseveraci\'f3 n que se ve corroborada por lo consignado en el escrito de alzada, a cuyo tenor \'93}{\i\f36\fs25\insrsid5341110 Los demandantes han alegado como soporte de las pretensiones de la demanda, la existencia de dos graves vicios del consentimiento (\'85)}{ \b\i\f36\fs25\insrsid5341110 }{\b\i\f36\fs25\ul\insrsid5341110\charrsid15749154 ERROR Y FUERZA}{\i\f36\fs25\insrsid5341110 \'94. }{\f36\fs25\insrsid5341110 Por dem\'e1s en los fundamentos de derecho se se\'f1alan los art\'edculos 1511 y 1513 del C\'f3 digo Civil \'93}{\i\f36\fs25\insrsid5341110 y en general todas las normas concordantes }{\i\f36\fs25\ul\insrsid5341110 relativas a los vicios del consentimiento y sus efectos}{\i\f36\fs25\insrsid5341110\charrsid9056668 \'94}{ \f36\fs25\insrsid5341110\charrsid9056668.}{\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 En consecuencia, para la Sala, no cabe duda que lo que se pretende es la declaratoria de nulidad relativa del contrato de mutuo celebrado entre los demandantes y la Corporaci\'f3n de Ahorro y Vivienda Colpatria-Upac Colpatria (Hoy Banco Colpatria-Red Multibanca Colpatria S.A.}{\f36\fs25\insrsid11495849 )}{\f36\fs25\insrsid5341110 e incorporado en el pagar\'e9 No 2000-00379467, as\'ed como de la hipoteca constituida mediante la escritura p\'fablica No 1241 del 6 de abril de 1998 extendida en la Notar\'eda Novena de Bogot\'e1, lo que impone memorar la naturaleza de dicha instituci\'f3n jur\'ed dica, las causas que la configuran y los requisitos que trat\'e1ndose del error y la fuerza se han establecido como indispensables para que se estructure la invalidez del negocio jur\'eddico. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 3.
En punto a ello, es preciso indicar que conforme al art\'edculo 1502 del C\'f3 digo Civil uno de los presupuestos para que una persona contraiga obligaci\'f3n respecto de otra es que \'93}{\i\f36\fs25\insrsid5341110 (\'85) consienta en dicho acto o declaraci\'f3n y su consentimiento no adolezca de vicio\'94}{ \f36\fs25\insrsid5341110, entendi\'e9ndose que existe tal cuando la voluntad se ha formado en virtud de error, fuerza o dolo (Art. 1508 ib\'eddem), circunstancias que de presentarse permiten al afectado impetrar ante la jurisdicci\'f3n la declaraci\'f3 n de nulidad relativa del negocio jur\'eddico a trav\'e9s de la acci\'f3n prevista en el art\'edculo 1750 de la codificaci\'f3n citada, siempre y cuando no haya sido saneada por ratificaci\'f3n expresa o t\'e1 cita, o por el paso del tiempo, con el fin de ser restituido al mismo estado patrimonial en que se hallaba en \'e9poca previa a la celebraci\'f3n del contrato declarado inv\'e1lido. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Trat\'e1 ndose del error y la fuerza, que son los vicios del consentimiento que los demandantes invocaron para pregonar la invalidez de los negocios jur\'eddicos ya referidos, tienen su regulaci\'f3n normativa en los art\'edculos 1509 a 1515 del C\'f3 digo Civil, sin perjuicio de la existencia de otras puntuales disposiciones.}{\f36\fs25\insrsid5341110\charrsid12388275 \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 El error, que no es definido por nuestro ordenamiento jur\'eddico, es la falsa percepci\'f3 n de la realidad, o lo que es lo mismo, la falta de correspondencia entre las situaciones de hecho y de derecho existentes y las representaciones que el sujeto tiene de ellas.
Para que el error vicie la voluntad se requiere que no recaiga sobre un punto de derecho}{\cs21\f36\fs25\super\insrsid5341110 \chftn {\footnote \pard\plain \s19\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs20\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 { \cs21\f36\super\insrsid5341110\charrsid1322643 \chftn }{\f36\insrsid5341110\charrsid1322643 Cfr. Sent C-993/06}{\f36\insrsid5341110.}}}{\f36\fs25\insrsid5341110 (Art. 1509 C\'f3 digo Civil), que sea esencial y determinante, esto es que, de haberlo descubierto el contratante se habr\'eda abstenido de celebrarlo o lo hubiese llevado a cabo en condiciones por entero diversas. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Por su parte, la violencia o fuerza es la coacci\'f3n, intimidaci\'f3 n o amenaza que se ejerce respecto de un sujeto con el fin de que celebre un determinado negocio jur\'eddico (unilateral, bilateral o plurilateral), se abstenga de perfeccionarlo, o lo realice bajo ciertas condiciones. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 La fuerza, puede ser f\'edsica o moral.
En la primera \'93}{\i\f36\fs25\insrsid5341110 el negocio es nulo (\'85 ) porque no puede ser legalmente vinculante una manifestaci\'f3n que s\'f3lo es materialmente atribuible\'94}{\cs21\i\f36\fs25\super\insrsid5341110 \chftn {\footnote \pard\plain \s19\qj \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs20\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\cs21\super\insrsid5341110 \chftn }{\insrsid5341110 }{ \f36\lang2058\langfe3082\langnp2058\insrsid5341110\charrsid6762367 Cfr. Bigliazzi Geri, Lina y otros.
Derecho Civil Hechos y Actos Jur\'eddicos}{\f36\lang2058\langfe3082\langnp2058\insrsid5341110, Tomo I Volumen II.}{ \f36\lang2058\langfe3082\langnp2058\insrsid5341110\charrsid6762367 Editorial Universidad Externado de Colombia}{\f36\lang2058\langfe3082\langnp2058\insrsid5341110, Bogot\'e1, 1995, P\'e1gs 812 y ss.}{\insrsid5341110 \par }}}{\f36\fs25\insrsid5341110 en tanto }{\i\f36\fs25\insrsid5341110 \'93el sujeto es constre\'f1ido materialmente a emitir una manifestaci\'f3n de voluntad que, desde un punto de vista sicol\'f3gico no es imputable a \'e9 l (y tampoco remitible al autor de la coacci\'f3n)\'94}{\f36\fs25\insrsid5341110 en tanto que en la segunda \'93}{\i\f36\fs25\insrsid5341110 el sujeto obra con su voluntad \endash y de ah\'ed por qu\'e9 la manifestaci\'f3n sea atribuible a \'e9l, a m \'e1s de material, tambi\'e9n sicol\'f3gicamente- pero encontr\'e1ndose en una situaci\'f3n de grave perturbaci\'f3n s\'edquica por efecto de la amenaza de un mal grave.
El \lquote escoge\rquote estipular el negocio (o estipularlo en determinadas condiciones), pero obra de ese modo para evitar una posible desventura. Entre dos decisiones, ninguna de las cuales corresponde a una formaci\'f3n libre de su querer, opta por aqu\'e9 lla que le parece menos perjudicial.\'94}{\cs21\i\f36\fs25\super\insrsid5341110 \chftn {\footnote \pard\plain \s19\qj \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs20\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\cs21\f36\super\insrsid5341110\charrsid6762367 \chftn }{\f36\insrsid5341110\charrsid6762367 }{\f36\lang2058\langfe3082\langnp2058\insrsid5341110\charrsid6762367 Cfr. Bigliazzi Geri, Lina y otros. } {\f36\lang2058\langfe3082\langnp2058\insrsid5341110 Ob.
Cit., P\'e1g. 847 y ss.}}}{\i\f36\fs25\insrsid5341110 \par }\pard\plain \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs24\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\i\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Ahora bien, no toda intimidaci\'f3 n da lugar a la nulidad relativa del negocio por vicio del consentimiento, pues para que ello ocurra, se requiere que \'e9sta sea grave, injusta, determinante y dirigida a la persona o a los bienes propios del contratante, de su c\'f3 nyuge o alguno de sus ascendientes o descendientes.
As\'ed lo prev\'e9 el art\'edculo 1513 del C\'f3digo Civil patrio cuando se\'f1ala que \'93}{\i\f36\fs25\insrsid5341110 La fuerza no vicia el consentimiento sino cuando es capaz de producir una impresi \'f3n fuerte en una persona de sano juicio, tomando en cuenta su edad, sexo y condici\'f3n. Se mira como una fuerza de \'e9ste g\'e9 nero todo acto que infunde a una persona, un justo temor de verse expuesta a ella, su consorte o alguno de sus ascendientes o descendientes a un mal irreparable y grave\'94}{\f36\fs25\insrsid5341110, tras lo cual el art\'edculo 1514 ib\'eddem pre cisa que \'93}{\i\f36\fs25\insrsid5341110 Para que la fuerza vicie el consentimiento no es necesario que la ejerza aquel que es beneficiado por ella; basta que se haya empleado la fuerza por cualquier persona con el objeto de obtener el consentimiento\'94.}{\i\f36\fs25\insrsid5341110\charrsid12323755 \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid4413398 En}{\f36\fs25\insrsid3360354 }{\f36\fs25\insrsid5341110 relaci\'f3n }{\f36\fs25\insrsid4413398 }{ \f36\fs25\insrsid5341110 con }{\f36\fs25\insrsid5341110\charrsid16727088 la injusticia}{\f36\fs25\insrsid7282477 }{\f36\fs25\insrsid4413398 }{\f36\fs25\insrsid7282477 de}{\f36\fs25\insrsid4413398 }{\f36\fs25\insrsid7282477 la }{ \f36\fs25\insrsid3360354 }{\f36\fs25\insrsid7282477 amenaza}{\f36\fs25\insrsid5341110\charrsid16727088, }{\f36\fs25\insrsid3360354 }{\f36\fs25\insrsid5341110 decantado }{\f36\fs25\insrsid4413398 est\'e1 }{\f36\fs25\insrsid7282477 por la jurisprudencia }{\f36\fs25\insrsid4413398 }{\f36\fs25\insrsid7282477 y la doctrina}{\f36\fs25\insrsid5341110, que}{\f36\fs25\insrsid4413398 }{\f36\fs25\insrsid7282477 la}{\f36\fs25\insrsid5341110 }{\f36\fs25\insrsid4413398 }{ \f36\fs25\insrsid5341110 consistente en hacer}{\f36\fs25\insrsid4413398 }{\f36\fs25\insrsid5341110 valer a trav\'e9s de las v\'edas legales un derecho, que se tiene a la luz del ordenamiento jur\'ed dico, no vicia el consentimiento, porque la consecuencia perjudicial que se le avizora al destinatario de la misma, est\'e1 prevista en la ley, y por ende no resulta arbitraria o desbordada. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Desde luego, para que resulte pr\'f3spera la pretensi\'f3n invalidativa p or vicios del consentimiento, -o cualquier otra- es preciso que se acredite a trav\'e9s de los medios de convicci\'f3 n los elementos que la estructuran, pues el simple dicho de quien la alega no basta para tenerla por demostrada, tal y como se desprende de lo consignado en los art\'edculos 174 y 177 del C\'f3digo de Procedimiento Civil, a cuyo }{ \f36\fs25\insrsid5341110\charrsid1015601 tenor, respectivamente se indica que }{\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 \'93}{\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 Toda decisi\'f3 n judicial debe fundarse en la pruebas regular y oportunamente allegadas al proceso\'94}{\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601; que }{\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 \'93 Incumbe a las partes probar el supuesto de hecho de las normas que consagran el efecto jur\'eddico que ellas persiguen\'94}{\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 {\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110 \par }\pard\plain \s22\qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs24\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\f36\fs25\expnd-1\expndtw-6\insrsid5341110 En este sentido ha recalcado la Corte Suprema de Justicia en su Sala de Casaci\'f3n Civil y Agraria que }{\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 \'93las pruebas son un elemento cardinal del proceso, en general, y del civi l, en particular, como quiera que es a partir de ellas que el juez, de un lado, forma su convencimiento sobre los hechos investigados o materia del respectivo litigio y, del otro, puede resolver, con la fuerza que la Constituci\'f3 n y la ley reconoce a sus sentencias, espec\'edficamente a su dictum, los asuntos sometidos a su conocimiento y consecuente escrutinio, ya sea declarando el derecho, reconoci\'e9ndolo o adoptando medidas para su efectiva protecci\'f3n, entre otras tipolog \'edas y formas decisorias.
No sin raz\'f3n, de ordinario, se estima que son el alma y nervio del processus. \par }\pard \s22\ql \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 {\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 \par }\pard \s22\qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 Propio es notar, entonces, que sin pruebas, las pretensiones o defensas que aduzcan las partes en una determinada controversia, es la regla, perder\'edan toda opci\'f3n de acogimiento, pues sin la acreditaci\'f3 n de los hechos que les sirvan de sustento o apoyatura, lo que s\'f3lo se logra a trav\'e9s de ellas, ning\'fan m\'e9rito tendr\'edan esas alegaciones, en funci\'f3n de la determinaci\'f3n con que deba definirse el respectivo caso.\'94}{ \cs21\i\f36\fs25\expnd-1\expndtw-6\super\insrsid5341110 \chftn {\footnote \pard\plain \s19\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs20\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 { \cs21\f36\super\insrsid5341110\charrsid10498858 \chftn }{\f36\insrsid5341110\charrsid10498858 }{\f36\lang2058\langfe3082\langnp2058\insrsid5341110\charrsid10498858 Sent. del 29 de junio del 2007 M.P. Carlos Ignacio Jaramillo Jaramillo.}}}{ \i\f36\fs25\expnd-1\expndtw-6\insrsid5341110\charrsid1015601 \par }\pard\plain \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 \fs24\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\f36\fs25\insrsid5341110\charrsid1015601 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 4.
Descendiendo al caso concreto, se tiene que es aceptado por las partes y por ende no es objeto de controversia, que los demandantes suscribieron a favor de la Corporaci\'f3n de ahorro y vivienda Colpatria el pagar\'e9 No 2000-00379467 por valor de 8.523.2653 UPACS, equivalentes al 1\'ba de julio de 1998 a la suma de $108\rquote 000.000.oo, los cuales se comprometieron a sufragar a trav\'e9s de 120 cuotas mensuales consecutivas, pagadera la primera de ellas el 1\'ba de agosto del citado a\'f1o (fl 3 C.1.) y que, para garantizar su soluci\'f3n por escritura p\'fablica No 1241 del 6 de abril de 1998 de la Notar\'eda Novena de Bogot\'e1 constituyeron hipoteca abierta y sin l\'edmite de cuant\'ed a sobre los aparta suites 619 y 620 del Edificio Apartasuite Calle 95 de Bogot\'e1 (fls 18 a 24). \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 El debate surge en primer t\'e9rmino, porque los accionantes indican que el banco demandado no les entreg\'f3 suma alguna de dinero y que la suscripci\'f3n del instrumento cartular y del correspondiente gravamen hipotecario fue producto del error en que fueron inducidos por el ahora acreedor y de la fuerza moral ejercida por \'e9ste. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard\plain \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 \f1\fs22\expndtw-3\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\f36\fs25\insrsid5341110\charrsid15684094 En cuanto a lo primero, }{ \f36\fs25\insrsid5341110 ha de recordarse que }{\f36\fs25\insrsid5341110\charrsid15684094 la tradici\'f3n de las cosas fungibles sobre las cu}{\f36\fs25\insrsid5341110 ales versa el mutuo }{\f36\fs25\insrsid5341110\charrsid15684094 puede ser real o simb \'f3lica, tal y como lo indic\'f3 la H. Corte Suprema de Justicia en sentencia del 22 de marzo de 2000 al se\'f1alar que \'93( ) }{\i\f36\fs25\insrsid5341110\charrsid15684094 No es acertado exigir la entrega real de la cosa en el mutuo, como \'fa nica o exclusiva manera de verificar la tradici\'f3n, pues tan v\'e1lida como aqu\'e9lla es la simb\'f3 lica, de gran usanza en la esfera financiera, en donde el acto material de la misma se hecha de menos, y no por ello, en modo alguno, puede pretextarse la ausencia y eficacia de dicho contrato.
La tradici\'f3 n ficta, en consecuencia, como lo reafirma la doctrina especializada, \lquote sustituye la efectiva ocupaci\'f3n o aprehensi\'f3n de la cosa por el accipiente por un juego de actos que la simbolizan o que la sustituyen\rquote (Luis D\'edez-Pica zo. Fundamentos del Derecho Civil Patrimonial V. II. Ma}{\i\f36\fs25\insrsid5341110 drid.
Tecnos. 1978. P\'e1g. 527).\'94, }{\f36\fs25\insrsid5341110 de donde, emerge que, si el dinero mutuado fue utilizado para extinguir una obligaci\'f3 n preexistente, como en este caso as\'ed acaeci\'f3, ello en manera alguna comporta la falta de conmutatividad del contrato, o el no perfeccionamiento del mismo. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid15749154 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 En lo que hace relaci\'f3 n con lo segundo, esto es, con los vicios del consentimiento, no milita dentro del expediente prueba alguna que corrobore su presencia respecto de los negocios jur\'ed dicos a que se alude en el libelo introductorio, lo que permite afirmar sin ambages que la parte demandante incumpli\'f3 la carga que le incumb\'eda de acreditar los supuestos de hecho de las normas que consagran el efecto jur\'eddico cuya aplicaci\'f3 n persegu\'eda. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid3034244 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 En efecto, n\'f3tese que el extremo actor no obstante haber solicitado el decreto de tal prueba, no acudi\'f3 a formular interrogatorio de parte al representante legal del banco demandado en la fecha y hora prevista para ello, sin que hubiere justificado su ausencia (fl 98 C.1.), a la vez que, tambi\'e9 n de forma injustificada, los demandantes no se hicieron presentes a absolver el decretado a instancias de la entidad financiera demandada (fl 99 C.1.), situaci\'f3n \'e9sta \'faltima, que al tenor de lo normado por el art\'edculo 210 del C\'f3 digo de Procedimiento Civil permite presumir como cierta la tradici\'f3n simb\'f3lica de los dinero}{\f36\fs25\insrsid1907030 s}{\f36\fs25\insrsid5341110 incorporados en el pagar\'e9 cuya nulidad se depreca y la inexistencia de vicios del consentimiento en la formaci\'f3n de los negocios jur\'eddicos impugnados. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 A tal inactividad probatoria debe sumarse la ausencia de los accionantes en la pr\'e1ctica de la inspecci\'f3 n judicial con intervenci\'f3n de peritos cuyo decreto solicit\'f3 (fls 100 y 101 C.1.), omisiones todas que deben ser valoradas como indicios en contra de los intereses de los demandantes, en aplicaci\'f3n del art\'ed culo 249 del estatuto procesal civil que se\'f1ala que \'93}{\i\f36\fs25\insrsid5341110 El juez podr\'e1 deducir indicios de la conducta procesal de las partes\'94. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid3034244 {\i\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Aunase que, seg\'fan ya qued\'f3 dicho en p\'e1rrafos precedentes, no puede considerarse que los contratos cuestionados est\'e9 n viciados de nulidad por violencia moral, por el hecho de haber dirigido la Corporaci\'f3n de ahorro y Vivienda Colpatria (Hoy Banco Colpatria) comunicaci\'f3n a los demandantes en la que manifest\'f3 que \'93}{\i\f36\fs25\insrsid5341110 La socie dad constructora se encuentra totalmente il\'edquida, raz\'f3 n por la cual se hace absolutamente necesario y conveniente aportar nuevos recursos que permitan, de una parte, terminar el proyecto y de otra, cancelar obligaciones a cargo de la sociedad, y evitar de esta manera perjuicios que naturalmente involucran a todos los participantes, pero muy especialmente a los compradores de las suites\'94 (\'85) }{\f36\fs25\insrsid5341110 y que \'93}{\i\f36\fs25\insrsid5341110 De no lograrse un acuerdo que permita la terminaci\'f3n del proyecto y su explotaci\'f3n econ\'f3mica, la Corporaci\'f3n se ver\'e1 obligada a iniciar los procesos ejecutivos para mediante el remate o la adjudicaci\'f3 n de los bienes hipotecados, recuperar los dineros que se prestaron para la construcci\'f3n de \'e9stos edificios\'94.}{\f36\fs25\insrsid5341110 (fls 33 y 34), porque la amenaza de ejercer las acciones legales para hacer efectivo un derecho, siempre que \'e9ste se tenga, o de forma razonable se crea tener, no son injustas y por ende son incapaces de viciar el consentimiento. \par }\pard \s17\qj \li0\ri0\sl480\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid3034244 {\f36\fs25\insrsid5341110 \par }\pard \s17\qj \li0\ri0\sl360\slmult1\widctlpar\nooverflow\faauto\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 Por dem\'e1s, la circunstancia de no haber honrado la vendedora su obligaci\'f3n de liberar los inmuebles adquiridos por los aqu \'ed demandantes de la hipoteca de mayor extensi\'f3n, no afecta de nulidad el mutuo tomado por los demandantes ni la garant\'eda hipotecaria por ellos constituida para lograr tal cometido.}{\f36\fs25\insrsid5341110\charrsid9796137 \par }\pard\plain \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 \fs24\lang3082\langfe3082\cgrid\langnp3082\langfenp3082 {\f36\fs25\insrsid5341110 As\'ed las cosas, habr\'e1 de confirmar se el fallo apelado.}{\f36\fs25\insrsid5341110\charrsid12716768 \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1713265 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid15749154 V. }{\b\f36\fs25\insrsid5341110 DECISI\'d3N \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 En m\'e9rito de lo expuesto, el Tribunal Superior del Distrito Judicial de Bogot\'e1 D.C., administrando justicia en nombre de la Rep\'fablica y por autoridad de la ley, \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid15749154 VI. }{\b\f36\fs25\insrsid5341110 RESUELVE \par }\pard \qc \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 PRIMERO: CONFIRMAR }{\f36\fs25\insrsid5341110 la sentencia apelada. \par }\pard \qj \li0\ri0\sl480\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\f36\fs25\insrsid5341110 \par }\pard \qj \li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid1450184 SEGUNDO: CONDENAR }{\f36\fs25\insrsid5341110\charrsid1450184 en costas de esta instancia a la parte demandante.
Liqu\'eddense. \par }{\b\f36\fs25\insrsid5341110 \par }{\b\f36\fs25\insrsid5341110\charrsid16079858 \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\tx2325\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110\charrsid15366270 NOTIF\'cdQUESE}{\b\f36\fs25\insrsid5341110 Y C\'daMPLASE}{ \b\f36\fs25\insrsid5341110\charrsid15366270,}{\b\f36\fs25\insrsid5341110 \par }\pard \ql \li0\ri0\sl360\slmult1\widctlpar\tx2325\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 \par \par \par \par }\pard \qc \li0\ri0\sl360\slmult1\widctlpar\tx2325\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5341110 {\b\f36\fs25\insrsid5341110 MARIA PATRICIA CRUZ MIRANDA \par }{\f36\fs25\insrsid5341110 Magistrada \par 0366 \par \par \par \par \par }{\b\f36\fs25\insrsid5341110\charrsid15366270 JORGE EDUARDO FERREIRA}{\b\f36\fs25\insrsid5341110 VARGAS}{\b\f36\fs25\insrsid5341110\charrsid15366270 \par }{\f36\fs25\insrsid5341110 Magistrado \par 0366 \par \par \par \par \par }{\f36\fs25\insrsid10302166 \par \par }{\b\f36\fs25\insrsid5341110\charrsid15366270 RUTH ELENA GALVIS VERGARA \par }{\f36\fs25\insrsid5341110\charrsid15366270 Magistrada \par }{\f36\fs25\insrsid5341110 0366}{\f36\fs25\insrsid5341110\charrsid9916275 \par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\insrsid5341110 \par }}