Фогельсон Ю.Б., Ефремова М.Д. Защита прав потребителей финансовых услуг

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 () , .

       

       ,

.

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<1>      . 

  ,     , -  

.

    :   

     "" 

.

.    , 

   ,    

 ,        

.

. 

. 44   26  1995 . N 208- " 

" ( -    )   

      50.   

       

 -  ( ).    - 

,       

, .  . 2 . 8

.

   ,    

  .   

: 

         . 

       ,



, , .

      

, 

   .   

   <1>   ,  

, 

    <2>  . ,

      , 

, .

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<1> .: ,

.  2  1997 . N 27 // 

. 1997. N 7.

<2> .: 

   ,

       

:  22  2002 . N 13/ // . 2002.

N 26.



      . 

    ,    

,     ,     

, 

    , -       

 <1>.

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<1> .:   14  2004 . N

40/10780-03.

      ,

, 

, 

.



   .    

, 

.

  ,     ,

, 

    .  

 . 15.22  ,   

       

,  -  1 . .

     -

, .  . 44

      

  ,      

   ,  ,   

      

.

     ,  ,

    ,   

, . 

  ,  ,    ,

       

, 

   <1>.       

     

",  "" . <2>.

--------------------------------

<1> ., :  28  2008

. N 1150/07.

<2> .:  28  2010 . N

2-.

 : PRESSI ( HERSON )

,   , . 4 . 44 

   ( )  ,

.

.  - ,  , .  

 ,   -     

,    ,   

.

 7        ,

       

   ()       .  

.

      () 

 () 

     

  .    . 7  ,

      

, .       

,  <1>.

--------------------------------

<1> .:  21  2006 . N

40/12220-06.

, 

     , 

.

   ,     

  ,      

     ,   

, .

      

          ,

.

     

    , 

    16  1997 . N 36 <1>.  ,

    ,  

 <2>.

--------------------------------

<1> . 1997. N 8.

<2> ., :      

        

  30     ,

.    11  2006 . N 06-74/ // . 2006. N

48.

        

, . ,



. ,

   .      

.

     ,   

 ,      . 

    ,  

.   ""   ,

, 

    .   

     ,  

   .       

    ,   -

.

   

  ,    .    , 

 "" , 

, ,  . 4 .

44    .     

    ,    

,    ,    . 

, ,  - 

 .        

,  <1>.

--------------------------------

<1> .:      17  2008 . N

3131/08.



       

  ).      

.

        ,

  ,         

   .      

.



 . 27.5-3. ,

    ,  ,

  ,    

.

     

. ,     , 

,       

. ,    ,

.

  :    

 ,     

   (, 

).

 : PRESSI ( HERSON )

  .  . 5     

, 

         

      

         

:

- ;

- , 

;

-     ,   

.

  "     

      ,  

        

".

 ,     

      

    ,    

       

,      

, . , 

., .

,  . 53

 ,   ,   

 <1>.

--------------------------------

<1> .:      

, .  3  2007 . N 07-37/ // .

2007. N 26.



  ,   

:   

 ,   

,   ,    

.

:

- 

;

-    ,   

;

- , 

 . 395. 

, ,

, .

        

  -       

.

, . 

. 9 ,  

  ,  , 

     

.

     ,  

.

    ,  

 "        

      ; 

       

". 

: 

? , ,

, , "



,   ,  

" <1>.

--------------------------------

<1>      10  2006 . N -

40/13035-05.

     ,       

       (. 115

   26  2002 . N 127- " 

)").       

    . 6 . 110   

, .

       

  ,      .

     .   ,

, 

         

  ,    ,

     ,

       

" <1>.

--------------------------------

<1>      8  2008 . 

 N 43-29892/2007-16-113.

 ,       

, ,

   .     

     ,     

.

      

 ,       .

:

 : PRESSI ( HERSON )

- ;

- ;

- ;

- ;

- ;

- , ;

-       

;

-       

;

- , .

      . 

,  

 ,    

  (    

):

- ;

- , ;

-     (

)  ,   ,       

 () 

  , -   

 () ;

- ;

- .

       

    ,  ,

  . 3 . 9     ,   

, , .

 ,       

 () 

) , , 

.

    9  2007 . N 07-102/ 

        <1>, 

.

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<1> . 2008. N 8.

,        

      

 .    ,  

       . 

, .

, 

. 

, , .

   -   ,

       .  

.

,       

, - , 

 .  -      

 ,   -    . 

         

 .     

  ,      .

          , 

  .    ,  

, .

4. 

  .     

     -  

 ,    

        ,

 ,     

 ""  "".

   ,   , 

  ,  

,    , -   

.

      : 

  ,     .

    ,  

  . VI    .  

      

 .     

.

     

    ,

 .

   ,    , - 

 ,      

.

   . 35    , 

:

- ;

- ;

-  ,      

;

- .

 , ,  ,  

.

 : PRESSI ( HERSON )

     

   ,        

,        , 

      (. 5  

).

   ,  ,  

, .

 76       

.

 45 

   .  ,

        

   <1>, ,     

:

--------------------------------

<1> .: . 2.3.1       

        

, .

 5  2007 . N 07-39/ // . 2007. N 24.

- , , ;

- ;

- ,  ()    

, ;

- ;

-      ,

      (

 . 76);

-   (     

).

  ,

 <1>.

--------------------------------

<1> .  - 

 2  2009 . N 41/4453-09.

      

, .

     

  .     

.

  .    () -

  ,    ,  

:

-      

 ()    



;

- .

        

,      ,  

.

  ,   . 10   

.   ,     

, , .

      : ,

  .    - ,  

         

:

-  - 

        

   

;

-     -    ,

    , 

       

;

-  - 

     

     ,  , 

.

     ,    

 .       

      ,  

 - . 

, .

, , 

 ().

,

, , 

   ,   

, .

      ,  

       , 

  ,  :

       ,

    21  1997  N 122- "

",

      



".

      ,  

    (),  , 

,  .      

   () ,

, .

 : PRESSI ( HERSON )