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

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

,  <1>.

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

 3, 5  2007 . N 09-252/07-.

  ,   

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

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

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

 . ,    

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

     ,

. 

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

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

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

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

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

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

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

        ,   

 <1>.

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<1> ., :   31 

2009 . N 40/2266-09-.

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

     .  - 

 ,       

        

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

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

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

.

4. 

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

  .  . 2    "

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

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

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

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

     

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

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

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

.

        

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

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

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

 -   5  1999

. N 46- "

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

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

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

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

 ,       

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

  ()      

   ,    . 

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

 <1>.

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

41/5852-09.

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

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

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

<1>.

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<1> .:  4  2009 . N -

40/4765-09.

        

. 

 <1>.

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

40/13255-07.

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

. ,    . 3 . 52   

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

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

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

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

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

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

20  2009 . N 09-7066/2009-.

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

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

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

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

<1> , 

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

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

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

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

    .   

 - ,  . 7.9

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

 2  1997 . N 27, 

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

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

   ""    

,   18

 1991 . N 1026-1 " ",   

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

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

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

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

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

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

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

12, 19  2007 . N 09-10228/07-.

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

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

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

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

 ,     

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

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

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

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

.  . 2 . 3

22  1996 . N 39- "   " ( -   

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

.

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

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

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

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

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

, .

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

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

.

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

     (. 428  ), 

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

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

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

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

,     ,  

 <1>.

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

<1> .:  11  2008 . N

40/7514-08.

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

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

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

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

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

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

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

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

 . 3.

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

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

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



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

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

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

50 (. 3.7.2

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

N 07-21/). 

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

 <1>.

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

<1> .:  .  3  2008 . 

 N 40-34249/08-130-366.

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

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

    24  2007 . N 07-50/.  

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

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

.

      

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

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

,  20  2008 . N 08-19/.

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

.

  ,    . , 

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

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

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

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

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

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

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

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

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

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

<1> .:      30  2008 . N

40/5538-08.

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

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

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

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

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

, 

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

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

.

 2.  ""

§ 1. 



   ,      . 1, -

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

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

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

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

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

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

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

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

1. 

 . 4    26  2006 . N 135- " 

" ( -    )   :

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

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

       () 

".

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

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

       

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

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

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

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

 "".

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

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

.  ""  

.

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

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

 , . :

-  (.

);

-   ,  

  <1>.

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

<1>  . 3.

        . ,

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

 6       ,

. 

.

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

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

:

A. .

1.  ():

i) ;

ii) .

2. .

3.  , ,    

.

4. ,  , ,  ,

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

B.  ().

1. .

2.   ,   , 

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

3. .

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

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

5. .

6. , , , 

:

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

, , .);

b) ;

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

;

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

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

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

e) ;

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

.

7.       ,  

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

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

.

8. .

9.    , ,    

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

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

.

10.        

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

.

11.     , 

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

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

12.     

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

 1 - 11,     ,

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

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

".

,       , 

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

.

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

       

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

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

, .

  A4 B12. 

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

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

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

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

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

, .

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

,    ,  .  ,  

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

: , 

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

.

        

 .  

         

,         .

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

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

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

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

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

, , .

,       

<1>,      ,    -

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

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

<1>  § 3 

.

. "" . 5 :

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

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

). .

:

i)  ():

) ;

) ;

ii) ;

iii) , , ;

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

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

 ():

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

;

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

, ;

vii) ;

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

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

;

ix) ;

x)        ,     

:

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

);

b) ;

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

;

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

, ;

e) ;

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

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

;

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

 ,    (  ), 

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

xii) ;

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

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

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

xiv)        

;

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

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

;

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

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

"v" - "xv",       

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

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

".

 ,        

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

.

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

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

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

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

.

2. 



  .     .

     <1>.   

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

: "    ...

 ...     " <2>,  

  : "  ( 

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

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

, , " <3>.

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

<1> .:  .    

: . ... . . ., 2005.

<2> . . 14. . 

, .

<3> . . 15. , 

.

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

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

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

),    <1>,  

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

 <2>.

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<1>  ""         

.  § 2 . 4 

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

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

).  - , 

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

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

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

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

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

<2>   .  "   

)" (., 2005) ,  

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

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

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

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

    ,   ,

  . ,       ,  

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

     <1>,   

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

. .

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

   .   

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

.

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

 :      

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

 - .

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

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

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

".  () 

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

.

§ 2. : 

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