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

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

. .

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

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

 .  <1>.  ,  ,  

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

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

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

. , , .

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<1> .:  .  :   

 // : .  / .

. . . ., 2006. . 68 - 137.

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

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

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

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

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

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<1> .:  .      

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

: .  / . . . . . 566.

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

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

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

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

.

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

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

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

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

  .      , 

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

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

 "" .

      ,

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

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

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

unequal bargaining power ().

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

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

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

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

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

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

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



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

  2007 .   962,   - 869, 

  - 1114,    

 6. , , 

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

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

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

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

.

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

       . 

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

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

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

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

      

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

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

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

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

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

 - 

.

§ 3. 

1. 

       

:

- ;

- ;

- .

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

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

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

.). 

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

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

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

    ,     

  ", .      

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

<1>.

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<1> 

 :       (

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

)  (

).

 "  "   

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

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

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

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

.

       

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

 , ,   6 ",

  "      . 

<1>  24  1994 .,   . "" . 5   

, .

 15  1994 . <2> ( - ).   

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

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<1>     , 

, , 

,  // . 1998. N

16. . 1802.

<2>        

"International Investment Instruments" (Vol. I. N.Y.; Geneva, 1996. P. 285 - 323). 

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

      "

"  "".

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

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

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

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

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

<1>      

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

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

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<1>         II.

.: . 

. ., 2007;  II: 

: . / . . . . ., 2007.

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

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

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

      , .

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

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

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

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

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

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

;

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

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

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

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

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

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

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

.

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

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

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

       " ". 

, 

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

, .

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

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

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

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

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

 <1>.

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

<1> .: . 3 22  1996 . N 39- "

 "        

.

       

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

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

 (. 368).

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

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

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

.

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

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

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

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

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

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

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

.

2. 

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

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

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

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

.

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

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

.    ,   

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

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

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

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

,     .    

      ,   30

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

 30 

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

, .

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

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

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

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

" .

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

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

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

.

     <1>     

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

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

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

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

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

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

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

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

<1> .:  14  2005 . N -

40/3780-05.

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

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

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

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

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

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

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

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

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

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

.

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

  . 6,      

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

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

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

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

.

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

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

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

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

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

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

 

    .    ,

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

 - . 

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

      

.

 ,  2004 .      

. . 

 ""  "

. "

<1>. , , 

 ,         

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

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<1> . 2004. 7 .

: 

, -24,

.

     ,  

 <1>. 

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

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

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

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

.

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<1> .: .  20, 27  2004 .

 N 40-40374/04-89-467 .

        

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

 300 . .,  10 

,  . 2 . 1101.

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

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

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

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

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

  ,      2008 - 2009 .

 100 . 

700 . . <1>,         

.

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<1> .: . 1    13  2008 . N 174- "

 11  "

     "   

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

 .    

, , , 

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

56    10  2002 . N 86- "  

  ( )" ( -    )

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

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

      ".    

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

.

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

  .        (26

 2004 . N 254-) <1>. , . 

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

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

.

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<1> . 2004. N 28.

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

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

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

           

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

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

         

         

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

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

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

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

<1>.

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<1> .:  17, 19  2007 .

N 40/13650-06.

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

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

,   ,   ,  

 .     

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

 <1>.

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<1>      

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

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

.

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

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

.

3. 

. , 

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

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

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

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

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

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

,   ,   10 - 15 . 

   15 ,    ,   ,  

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

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

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

, ,  . 3 . 958, 

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

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

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

,     ""  

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

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

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

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

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

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

.        

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

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

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

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

    .     1912 . .

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

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

 : ",   ,     

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

".      

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

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

" <1>.

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<1>  .      

    ,   :  

. ., 1912. . 41.

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

,    ,  

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

 <1>. 

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

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

.

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<1> .:  2 

      2008 ., . 

 28  2008 . // . 2008. N 8.

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

   .    : 

   . <1>     

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

    " <2>,

   ,   , 

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

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

.

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<1> .:  26  2002 .

N 17- // . 2003. N 1.

<2> .:  31  2005 . N 6-

 // . 2005. N 4.

        

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

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

     .  ,

        

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

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

       

,  <1>.

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<1> .:      2  1995 . N

91-,  2  2006 . N 487- //

. 2007. N 2.

 . 4, 

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

 "".

      

.     ,     

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

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

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

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

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

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

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

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

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

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

     2  2001 . N 90.

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

<1>.

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<1> ., :      9

 2009 .  N 56-23644/2008.

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

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

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

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

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

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

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

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

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

,      , 

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

.

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

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

)  ,   .  

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

.  - 

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

   22  1999 . N 16.   

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

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

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

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