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

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

.

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<1>      

.

    ,   

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

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

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

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

.

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

 (    <1>)   

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

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

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

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

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

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

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

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

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

        

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

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

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

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

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<1>  "vulnerable consumer" .  . 5.

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

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

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

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

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

 - 

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

 .    

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

.

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

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

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

, .

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

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

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

:

1)    .  

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

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

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

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

   .  

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

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

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

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

;

2)    . 

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

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

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

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

3)  .    

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

  .     

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

4)       . ,

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

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

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

;

5) . , , 

 ,        

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

;

6)    .    ,

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

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

.

:

-    .  

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

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

;

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

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

. 

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

;

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

.    ,  ,

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

;

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

-      . 

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

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

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

, ;

- . , 

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

;

- ;

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

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

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

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

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

;

-   ,   . 

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

;

- . ;

- .

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

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

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

 

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

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

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

 .  , ,   

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

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

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

       . 

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

(economic transactions)    (economic

operators)  (, 

  ).    business-to-

consumer ( B2C) .    

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

.

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

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

, .

   ,    

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

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

.

§ 3. 



1.  ()



       

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

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

)".  "" , 

     ,    

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

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

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

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

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

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

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

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

.

 ()    .   

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

  N 93/13/EEC    

 5  1993 .

   . 1 . 3    

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

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

- 

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

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

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

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

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

   <1>.    

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

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

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<1> .: Collins B. Unfair Terms in Consumer Contracts Regulations 1994 //

http://webjcli.ncl.ac.uk/articles3/collins3.html.

        

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

1) ;

2) ;

3)       

;

4) , 

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

 "" ,

     .  ,  

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

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

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

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

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

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

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

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

   . 5 ,   

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

.

, 

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

     ""   

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

).    , 

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

 <2>.

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

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

 .  . 2 . 4  N 93/13/EEC  

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

, .

<2> .: Howells G., Weatherill S. Consumer Protection Law. Hampshire,

2005. P. 279.

    , 

   1   , 

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

, :

-       ,

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

, );

-        

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

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

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

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

:

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

;

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

.

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

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

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

      ,   

   (     

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

   ,  

.

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

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

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

 "      

 N 93/13/EEC , -

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

 "    , 

 <1>.

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

<1> On the Implementation of Council Directive 93/13/EEC of 5 April 1993 on

Unfair Terms in Consumer Contracts Report of the Commission of the European

Communities: of 27.04.2000 COM(2000) 248 final // http:// ec.europa.eu/ consumers/

cons_int/ safe_shop/ unf_cont_terms/ uct03_en.pdf.

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

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

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

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

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

, .

, , 

N 93/13/EEC,   ,   

.

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

  ",   . 16   

    . 2 . 14.8  .   

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

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

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

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

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

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

, .

 . 4      

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

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

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

 . 5 . 1 . 11

     

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

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

 (     , 

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

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

   ,   )". , ,

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

       

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

 ,   ,     

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

, .

 . 2 . 428  ,   , 

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

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

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

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

, :

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

;

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

;

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

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

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

.

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

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

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

  ,      . 16  

    . 2 . 14.8, 

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

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

.

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

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

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

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

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

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

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

.       

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

 <1>.

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

<1> .:      28 

2006 . N 08-4760/2006.

   ()  ,

,  ,

    N 93/13/EEC,     

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

.

,   . 2 . 428    

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

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

.

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

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

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

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

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

,  (. 452).

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

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

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

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

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

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

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

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

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

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

. 

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

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

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

.

2. 

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

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

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

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

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

.

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

,  

  2020 . <1>.   ,  " 

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

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

".

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

<1> .  29  2008 . N 2043-.

         

 13  2006 . N 38- "" ( - 

).    . 1 . 5   , 

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

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

. 7 . 5, 

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

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

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

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

       . 28, 

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

 . 1 . 28

     ,   . 

 . 2 . 28:

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

 )  ,      

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

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

;

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

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

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

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

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

   . 3 . 28   ,  

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

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

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

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

.

       

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

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

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

 <1>.

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

<1> .:      31  2009 . N

15340/08, N 15275/08.

 . 28: 

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

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

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

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

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

        

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

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

<1>.

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

<1> .:      31  2009 . N

15340/08.

 . 3 . 28   ,   

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

, , 

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

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

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

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

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

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

    .      

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

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

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

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

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

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

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

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

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

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

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

:   - 

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

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

<1>.

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

<1> .:  3  2009 .

N 03-2386/2009.

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

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

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

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

       

 .      

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

 <1>.

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

<1> .:  10  2008 . N

40/11352-08  N 40-38983/08-149-347.

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

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

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

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

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

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

 . 4 - 12 . 28,

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

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

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

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

;

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