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

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   , 

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

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

.

3.      

.  2006 - 2007 . 

.

 ,    ,      

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

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

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

    . ,   

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

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

.

, , 

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

:  - .

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

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

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

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

.

4. "" , 

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

 .   ,    

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

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

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

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

   . 1    

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

 ",       .   

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

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

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

  , ,   

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

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

    . , 

      

  ,    ,   

.

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

   ,  ,  , ,

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

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

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

  ,     

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

.

      

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

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

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

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

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

  .     

.

      .

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

, ", 

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

 , " ",  

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

  , .   ""  

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

".

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

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

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

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

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

      .    

     ,   

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

.

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

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

. ,  - 

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

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

 .     (,

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

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

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

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

) , 

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

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

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

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

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

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

.

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

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

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

) . , 

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

      10 . . , 

   

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

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

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

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

, .

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

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

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

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

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

, , . 

.

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

,  (    "welfare state")

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

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

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

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

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

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

,  welfare state  : 

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

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

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

.

3. .



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

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

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

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

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

".    ,   , 

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

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

 ,    ,  .   .

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

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

, . 

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

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

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

, .

       

.        .

1134: "...[]   ",  

 § 157: "

   ",  § 242: "  

 ",      

 . 2: "      

    ",     - .

1337: " 

 ", . 1366: "     

",  . 1375: "   ", 

    - . 1-203: "  

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

".

   lex mercatoria   

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

    . 1.7 : " 

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

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

" <1>. 

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

. . 1.106 

  : "     ,



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

" <2>.

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

<1> . ., 2003. . 18.

<2> Lando O., Beale H. Principles of European Contract Law, Part I and II. The

Hague, 1999.

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

 laissez fair  laissez passer (), , 

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

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

, , , ,  <1>.

,   . ,     

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

" <2>. 

. .  <3>.

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

<1> . Anson's Law of Contract XXVII ed. / Ed. by J. Beatson. Oxford, 1998;

: Posner R.A. Law and Legal Theory in the UK and USA "Lecture Three:

Functional, Systemic Comparison of Legal Systems" // Clarendon Law Lectures.

Oxford, 1996.

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

<2>  .    

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

 //    : , ,

 / . . . ., 2006.

<3> .:  .,  .     

:  2 . . . ., 2000. . 2. . 29 - 31.

      .   

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

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

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<1> .:  .     

 // Forging a Common Legal Destiny: Liber Amicorum in Honor

of William E. Buttler / Eds. by N. Erpyleva, M. Gashi-Battler, J. Henderson. L.,

2005.     : http:// new.hse.ru/ sites/

secondlevel/ rf/ DocLib1/ indgrantotchetpravoFogelson- 05-01-0038-HSE.zip.

   .    

 

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

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

  . ,     . 3,  

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

  .   13  

       <1> -    

          

.

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

<1>   ,     

.

   .  

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

<1>.        

.

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<1> .: . . .. 56 - 57.

     

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

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

  <1>.     

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

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<1> .

      

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

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

".

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

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

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

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

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

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

     . 

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

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

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

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

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

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

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

:   ,  

. 

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

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

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

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

       

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

 ()" , 

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

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

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

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

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

<1>.

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<1> .: Eisenberg M.A. The Limits of Cognition and Limits of Contract //

Stanford Law Review. Vol. 47. No. 2 (Jan., 1995).

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

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

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

   .    

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

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

.

 ,    . .

       

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

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

     " <1>.

     .  

      . :

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

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

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

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

 (     ,  "surplus

cooperativo")     "

<2>.        

  <3>.  ,  ,  ,  

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

, , 

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

.

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<1>  .     

 // . 2002. N 11.

<2> Monti A. Buona fede e assicurazione. Milano, 2002. P. 14.

<3> .: Good Faith in Contract: Concept and Context / Eds. by R.

Brownsword, N.J. Hird, G. Howells. Ashgate; Dartmouth, 1999; Good Faith and

Fault in Contract Law / Eds. by J. Beatson, D. Friedman. Oxford, 1995.

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

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

     ,    ,

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

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

   ,     

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

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

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

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

.

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<1> . . .. 65.

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

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

    .    -  

 .  "culpa in contrahendo",  

         

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

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

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

    .   , 

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

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

      ,  "

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

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

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

  " " (fairness of exchange), 

. 

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

 (inadequacy of consideration), 

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

 "" (fair price)  "" (fair salary)

<1>,        

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

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

    . 21  

.

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<1> , ., : Aliyah P.S. The Rise and

Fall of Freedom of Contract. Oxford, 1979.

       - 

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

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

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

.

,      <1>. 

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

  ,        

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

   .   

 (welfare state), .

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

. .

      

    ,  .

.         

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

      

 <1>.

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

<1> .: .  / . . . . ,

1912. . 9 - 12.

, , 

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

       . 

<1>.     ;   : 

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

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

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

? , . , , 

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

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

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

: -

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

, . , 

 welfare state,     ,   -

.

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

<1> .: . . , 1995.

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

. 

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

.

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

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

    , . -

:

- ;

- ;

- ;

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

;

- ;

-  <1>.

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

<1> .: Monti A. Op. cit. P. 10.

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

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

 <1>.      



        

.

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<1> .: Eisenberg M.A. The Limits of Cognition and the Limits of Contract //

Stanford Law Review. 1995. Vol. 47. P. 211.

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

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

  XX .         

, . 

 . 4,  "".     

  XXI .     ,  

 . 5. . 

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

. : "...

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

(Vertragsgerechtigkeit, justice contractuelle);     

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

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

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

" <1>.

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

<1> Kotz. H., Flessner A. European Contract Law / Transl. by T. Weir. Oxford,

1997. P. 12.

§ 2. 

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

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

 ,   2006 .   ,

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

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

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

  , ,   ).   , 

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

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

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

.

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

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

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

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

.

, 

      -   ,

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

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

     

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

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

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

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

.

 (uneven bargaining position), 

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

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

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

. 

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



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

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

 <1>   ,  

      ,

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



 .  , ,   

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

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