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

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  ,  . 2 . 225.17

.

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

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

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

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

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

.

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

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

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

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

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

 ,      

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

-  " " <1>,    

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

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

;

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

<1> ., :      23

 2007 . N 1-,    21  2008 . N 8959/08 

 N 79-10769/2006.

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

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

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

 (. 1 . 98, . 1 . 110

).        

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

.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

.

§ 5. 

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

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

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

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

. 

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

 .      

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

.

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

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

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

.

    

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

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

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

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

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

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

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

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

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

1. . .



   .  . 3   

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

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

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

.

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

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

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

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

:

-  -  . 11, 11.2, 24, 25     

, . 62   

 <1>;

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<1>     14  2004 . N 109- //  

. 2004. N 15;  16  2004 . N 110- // 

 . 2004. N 11;     14  2007 . N 313- //

. 2007. N 68 .

-       -  . III

           

 <1>;

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

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<1>  8  2005 . N 100 // . 2005. N

36;  16  2005 . N 149 // . 2006. N 6 

 2  2001 . N 90 // . 2002. N 1.

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

 <1>,  . 3 . 44

;

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<1>  24  2007 . N 07-50/ // . 2007. N

23.

-   (  )  -  . 3, . VI



      <1>   

 <2>;

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<1>     31  2002 . N 28/ // 

. 2002. N 8.

<2>  24  2007 . N 07-50/ // . 2007. N

23;  20  2008 . N 08-19/ // . 2007. N 16.

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

   -        24

 2007 . N 07-50/,      

;

-     -  . 2 . 7, . V  VI

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

 1  2007 . N 63    24

 2007 . N 07-50/.

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

 180 . . (. 11      ),

, 

.

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

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

  30 . .,     

,  60 . .,   (. 25   

 ).       

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

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

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

. 44        

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

,  100 . .,   ,

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

, ,  60 . .

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

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

 50 . .

      

.

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

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

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

.       16  2003 . N

242-        

. 

,  . 62.

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

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

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

,  20  2006 . N 283-.

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

,      .   

  23  2009 . N 2219-.

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

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

.  ,   . 1,   

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

. , ,  <1>.

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

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

31 , 2  2006 . N 09-11350/2006- ( . 1   

 17, 19  2007 . N -

40/13650-06 ).

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

     

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

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

 . 4 . 25

    .    

,      2  2001 . N

90.

      

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

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

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

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

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

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

.

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

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

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

 24  2007 . N 07-50/, , 

, .

 . VI

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

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

         

 14  (.  . 3).

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

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

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

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

   (. 15 - 17 . 38  

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

 ,     . 38   

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

      

.         "

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

 <1>.

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<1> ,    "" .

.: . . .

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

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

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

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

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

   1  2007 . N 63.    

 

.

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

.  -

,   . 

    ,    

      . 21

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

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

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

<1> .:  12

 2001 . N 15 // . 2001. N 3.

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

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

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

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

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

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

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

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

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

  .    

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

:

-     . 13     

;

-  -  . 4.1

;

-  -  . 39

;

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

 -  . 2, 38, 44    

;

-     -  . 7

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

 - ,

  . 1 . 34  ,   

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

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

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

 8  2001 . N

128- "    " . 2 . 1).

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

:

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

 . 5);

-  . 13).

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

  ,    

, :

-  - . 14 - 16       

 <1>;

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

<1> .:  14  2004 . N 109- // 

. 2004. N 15.

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

 - . 32, 32.1, 32.3;

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

   <1>   

<2>;

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

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

, .  6  2007 . N 07-

21/ // . 2007. N 23.

<2> .:     

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

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

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

 21  2007 . N 07-90/ // . 2007. N 47.

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

 - . 60.1;

-     - . 7.1  

.

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

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

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

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

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

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

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

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

       : 

, .

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

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

,     () .  ,

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

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

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

.

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

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

.

    . 3,     

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

      .  

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

.

 ()    . 

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

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

.

 () :

-  - . 20      , . 74

;

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

 - . 32.8;

-       - . 42  44

  6  2007 . N

07-21/ <1>;

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

<1> . 2007. N 23.

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

 - . 61.2;

-     - . 7.2  

.

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

 .          

,   ""      

 (. 26).

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

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

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

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

.

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

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

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

 .        

       . 

,     . 8    

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

- ;

-       

.

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

.

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

, , .

     "  

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

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

". , 

  ,    .  

.  . 5

:

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

;

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

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

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

, .

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

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

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

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

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

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

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

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

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

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

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

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

, .

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

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

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

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

       . 

  . 5 . 32.8     ,  

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

:

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

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

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

;

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

 ),  ()   , 

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

        

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

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

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

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

   ,   . 

      . 42  44   

, . 6.9 6  2007 . N 07-21/. 

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

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

.

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

.

   . 6.12, 6.13    , 

:

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

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

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

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

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

;

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

:

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

;

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

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

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

).

        

.

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

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

     ,    . 61.2

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

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

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

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

.

      

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

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

.

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

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

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

;

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

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

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

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

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

:

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

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

;

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

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

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

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

      

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

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

   . 61.4    . 

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

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

.

   

  ,    . 7.2   

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

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

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

.

 . 13 - 20 . 7.2

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

.     .   , 

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

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

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

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