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

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<1>       

. , 

. . .: . 

 ().

., 2007. . 94 - 130.  , .:  .,  .

. ., 2009. . 518 - 525; . 

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

 //   . 2006. N 5. . 143 - 144;  .

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

   // . 2008. N 4. . 40 - 41;  .

 () // . 2008. N 2.

. 16; .  // . 2003. N 6. . 113; 

. . ., 2006. . 14.

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

  .      

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

    .   

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

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

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

.

 , ,  . 6 . 2   

,       

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

 .  

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

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

,      ).   ,

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

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

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

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

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

.

       () 

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

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

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

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

) <1>  (

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

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

.

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<1> , 

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

 .        //

. 2007. N 8. . 19 - 26.

  ,     

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

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

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

    (. 837), 

   .    

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

.

       

 . 3 . 2), 

 , .

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

      . 

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

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

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

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

 - .

     ""   

.     . ,  ""  

: 1) , .; 2) 

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

   .   . , "

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

  ,   " <2>.

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

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

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

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

, .

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<1> .:  .    :  4 .

., 1982. . 4. . 96.

<2>  .      

 // . 2007. N 8. . 56.

      ,

.    

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

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

<1>.      ,  , ,

  :  -  "  

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

      (

  )" <2>.  

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

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

.

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

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<1>  .    //

. 1994. N 3. . 50.

<2>  .  ""  ""  

 // . 2003. N 6. . 26 - 28.

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

  .   . , "  

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

.   , ,   ,   

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

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

" <1>.

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<1> ., . :  5 .  5:

 2 . ., 2006. . 2. . 567.

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

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

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

.

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

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

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

  22  2002 . N 14-

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

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

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

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

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

    : "   

 (      

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

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

  " <2>.  , 

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

, .    . 

  . , "    

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

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

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

" <3>.

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

<1> . 2002. N 6.

<2>  24  2004 . N 3-

 // . 2004. N 9. . 830.

<3> . : , ,  // 

. 2005. N 10. . 7 - 8.

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

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

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

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

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

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

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

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

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

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

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

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

   , .   

.

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

.      ,  

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

.

, : 

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

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

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

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

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

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

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

.

§ 3. 

1. 

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

 . 1,    (

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

:

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

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

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

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

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

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

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

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

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

.        

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

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

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

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

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

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

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

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

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

).

       

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

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

       

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

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

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

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

 ,      

      (

) <1>. . , 

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

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

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

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

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

.

 ,  " "  

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

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

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

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

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

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

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

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

  ,  . ,  

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

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

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

 .   ,      ,

, , "" 

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

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

.

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

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

.  ,       -

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

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

   

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

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

.

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

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

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

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

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

.

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

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

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

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

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

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

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

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

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

.

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

<1>  "" .  1. 54.

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

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

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

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

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

.

2. 

  ,     ,

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

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

     .   

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

  . 2     ),    

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

.

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

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

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

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

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

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

   .   ,       

.

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

       

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

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

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

?

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

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

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

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

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

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

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

;

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

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

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

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

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

.

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

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

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

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

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

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

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

    ,   . ,

  ,       . 

. . 

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

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

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

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

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

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

.

 3. 



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

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

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

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

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

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

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

.

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

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

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

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

.        

.

§ 1. 

1. 

 .   ,   

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

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

.

 ,   . ,   

  ",  " <1>, .

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

.

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<1>  .   :  . 3- . .,

2005. . 9.

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

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

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

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

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

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<1> .: :  / . .

. ., 2006.  ,   .  

  "  " (. II: .  ) :

"...".

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

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

 . :    ,

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

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<1> .: . . . . 7.

 . 1

  : "... -  ,  

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

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

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

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

     ".   

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

    20 ,       

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

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

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

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

   ()    

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

.

 5       

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

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

:

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

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

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

;

- ;

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

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

-   , ,   

;

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

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

-  <1>;

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<1> ,  (. 368

).

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

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

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

    ("  ")

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

 . 1, 

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

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

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

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

.

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

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

  ,  .     . 5  , 

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

-     , 

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

- 

;

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

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

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

;

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

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

;

- ;

- .  . 5

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

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

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

, .

,  . 6

:

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

;

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

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

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

;

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

;

-          

 () , .

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

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

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

",   ,     

.  "

"  ( § 3 

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

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

, ,  ""  -

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

.

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

 ( - ) -

. 172 "". 

     ,    .

171 " ".    ,

   . 172  ,  ,   . 171

  -  .  ,   

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

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

.

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

 .      <1>.

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

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

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