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

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

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

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

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

  . 2 . 1 . 11      

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

  ,    , 

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

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

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

 <1>.

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<1> ., :      28

 2004 . N 56-1596/04.

      

.

 . 1 . 11     , 

     

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

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

.

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

 (), 

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

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

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

. 434  .      

 ()  -  <1>.

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<1> ., :   

 6  2009 . N 09-6216/2009-,  22  2007

. N 09-15289/2007-.

     

   .   

 ,    <1>.  

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

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

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<1>      

 27  2002 . N 633 (. 2002. N 35. . 3385), 

 -  18  2002 . N 684 (. 2002. N 39. . 3788), 

 -  25  2002 . N 564 (. 2002. N 31. . 3113).

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

 15 .

      

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

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

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

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

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

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

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

.

 , ,   :

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

?

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

       ?   

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

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

?

 <1>, 

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

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

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

<1>  -

   29  2009 . N 56-45466/2008,    - 

 24  2008 . N 40/13363-

07.

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

;

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

;

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

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

     ( 

).

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

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

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

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

.

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

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

    ,      

 -  . 2 . 11

.

        - 

         

.

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

: "..., 

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

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

 " -    . 2 . 11 .   ,

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

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

 . 14       

:

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

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

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

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

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

;

- ;

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

;

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

;

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

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

.

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

 ,       

.

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

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

  -     

.

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

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

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

, , ,

.

       

, 

. , 

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

      , 

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

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

.

  .  

 (),  ,     

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

, , ,

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

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

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

 ,  ,   

.           

.

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

   .    

  - "

".

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

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

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

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

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

   " "   .  

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

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

  ,  ,  

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

        

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

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

.

     ,    

:     . 

      

    ,     

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

 <1>.

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

<1>      

 4  2003 . N 669 // . 2003. N 45. . 4388.

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

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

, 

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

. .



    

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

:

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

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

;

-      

.

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

 ",      - "

", . ,

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

      , 

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



 - .

       .

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

        

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

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

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

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

, . , 

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

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

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

  ,        . 9

    .  

  2004 . 

,  - .

       

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

       <1>,    

.

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

<1> .   :      30

 2009 . N 09-5368/09-5,  30  2007 . N 09-5900/07-5.

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

     ,  

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

 .  

     ,     ,

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

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

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

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

.  

  6  2004 . N 60 <1>.     

,    ,     ,

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

 13  2004 . N 77 

    <2>.  . X.1  

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

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

.

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

<1> . 2004. N 7. . 530.

<2> . 2004. N 8. . 664.

,  ,        

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

.

     

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



.

      

.      :  

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

       

 ),      

.

       

,        

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

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

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

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

     24  2002 . N 111- "

      

" ( - 

).

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

 ,      30 . .

,     ,     ,

  ,    ,  

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

,   ,   .   ,  

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

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

, .

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

 ,     (. 36.25  

).

   <1>   

.

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<1> .  § 2 .

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

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

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

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

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

.

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

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

      .  . 1  

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

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

 <1>.

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<1> .:      30  2008 . N

40/5538-08.

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

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

     (. ). 

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

,       

.

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

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

, .

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

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

.

     ,     

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

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

 ""  "" 

     , 

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

 <1>.

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<1> .:  16  2009 . N

40/8954-09.

5. 

       " 

" , 

  .    

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

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

  :    , 

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

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

    , -   . 13

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

   , -   .

36.26 . ,  

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

, .

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

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

-     ,    

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

;

-       ,   

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

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

.

    -   

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

      

,  . 7.

        

  , .   

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

      

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

  .    

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

.

       

, , 

,   .     

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

     (. V 

 "    

").

6. 

      - 

 () - ,

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

,     ,      

     ,  

,  ,    ,    

  ,    

      .    

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

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

, 

.   .      

,   

.

        

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

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

, .

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

     , 

. 

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

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

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

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

      .   ,

    ,    

     .   

 ,        

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

 <1>.

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<1> .:      20  2007 . N

41/1661-07.

        

     .    

      30 .     

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

    .    

 <1>,  

.

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<1> ., :  30 

2009 . N 40/3755-09,  3  2009 . N 40/777-09.

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

   .     

. 

, . 

     ,  ,    

,  <1>,        

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

   <2>.   ,   , 

 .      

.

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

<1> .:  7  2009 . N -

40/5899-09.

<2> .:  3  2008 . N -

40/3280-08.

, 

   .     ,

 . .

  -   . 

.

       

, ,

   .   , 

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

 ".    , , , 

  " "  , 

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

 , 

.        , 

.

 II. 

 4.  "" 



§ 1. 



1. 



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

  ,    . 

   " -  - ", .

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

      <1>.  

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

,        , 

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

 (), ,

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

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

<1> .: . . . . 80.

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

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

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

.  ,   . 

       

, . 

,      ,  

.

 "" 

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

  . : "     

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

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

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

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