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

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      ".  

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

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

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

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

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<1> .:      25  2006 . N

2718/06.

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

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

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

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

   .       

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

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

 ()

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

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

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

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

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

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

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

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

.

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

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

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

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

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

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

.

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

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

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

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

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

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

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

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

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

.

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

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

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

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

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

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

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

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

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

.

,    . 7 . 29

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

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

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

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

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

.

  (. 1212  )   

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

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

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

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

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

:

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

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

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

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

;

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

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

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

.

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

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

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

 . 1212

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

  . 1 . 1212      

 . , 

  . 4,        

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

    "".    

 . 1212.

      ,

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

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

       

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

       1988 . 

  . 14      

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

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

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

: 

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

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

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

.

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

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

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

 1968 .,  - .

     593/2008   

  " ,     

(" I")".    . 6  , 

  () <1>  ,  

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

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

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

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

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

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

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

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

.

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

<1>    "",   

, . . 5.

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

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

.

4. 

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

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

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

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

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

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

 ,    . 46    

 <1>.

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

<1> .:  .      -

 //  "".

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

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

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

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

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

)     

.

        ,  

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

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

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

 <1>.

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

<1> .:       28

 2008 .

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

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

 ();

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

,  <1>.

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

<1>     ,  

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

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

 (., ,     10

 2008 .  N 44-297).

    

?

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

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

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

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<1> .:  .   (class action)  

 // . 2003. N 3.

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

 ():

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

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

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

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

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

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

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

;

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

 ();

-   ()     

 ().

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

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

 <1>.

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

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<1> .

 ,     

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

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

.

, , ,  . 46

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

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

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

 - ,

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

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<1>  .:  .   

  ()     

 // . . . : .  

. . 2. ., 2008. . 7 - 84.

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

   19  2009 . N 205- "   

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

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

 <1>.

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<1>  28.2 21  2009 .

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

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

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

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

  ",     . 225.11  , 

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

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

       

.

. 

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

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

.

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

  .  225.10   , 

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

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

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

    .   

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

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

.

 3 , 

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

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

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

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

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

 (. 2 . 225.10).

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

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

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

.

.  225.11

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

. :

- ;

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

;

-  ,   ,  . 225.10

.

,  . 1 . 225.10

,  "

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

".

  ,  . 46     

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

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

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

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

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

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

46.

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

<1> .:  .      -

.

      . 28.2  

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

.

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

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

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

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

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

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

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

 <1>.

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

<1> .:  16  2009 . N -8193/09 

N 53-5573/2008-2-32;      4

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

 2008 .   N 56-39375/2006,   

 5  2008 . N 40/7844-08  N 40-55192/07-55-480.

, 

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

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

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

     .   

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

   ""  

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

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

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

.

    ,    " 

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

     " <1>.   

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

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

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

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<1>      8  2009 . N 09-

1870/09-4  N 60-12414/2008-3.

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

   ,     "

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

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

   ,   ", . 

 <1>.

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<1> .:  22  2009 .

 N 56-5036/2008.

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

 <1>.

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<1> .:  31  2008 .

 N 79-9187/2007.

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

 .    . 225.12  , 

:

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

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

;

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

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

;

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

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

;

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

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

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

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

.

       .

    . 2 . 72  ,  

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

 ).  

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

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

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

 <1>.  ,     

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

.

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

<1> .:      10  2004 . N

40/1144-04,     

 20  2005 .  N 09-7446/05-.

 , . 225.12      

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

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

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

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

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

.

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

     .  1 . 225.13

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

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

    .  ,   , 

:

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

;

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

;

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

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

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

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

.

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

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

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

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

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

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

 . 225.14

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

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

, .), :

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

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

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

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

. 28.2;

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

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

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

;

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

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

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

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

;

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

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

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

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

  . 4      

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

. :

- ;

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

;

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

;

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

;

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

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

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

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

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

- , .

 5    ,

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

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

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

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

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

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

.  . 1 . 225.15    ,   

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

.

, 

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

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

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

.

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

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

.

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

  . 5  ,      ,  

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

.

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

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

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

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

.

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

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

.

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

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

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

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

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

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

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

  . 225.16  .    

:

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

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

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

;

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

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

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

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

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

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

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

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

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

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

 . ,

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

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

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