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

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

 .

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<1>  " "  "  " 

.       

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

, .

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

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

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

:

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

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

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

      180 . . 

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

 . 11), . 

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

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

.  180 . .

. 11.2);

-     . 25) <1>.     

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

:

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<1> .: . 63, 65 - 71.

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

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

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

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

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

,  . 2 . 15.26;

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

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

.

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

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

. .

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

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

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

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

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

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

      . 7  . 

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

    (),  

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

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

 23  2003 . N 177- "     

" ( - ).

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

 700 . .   

       

       . 26

   25  1999 . N 40- " 

) " ( - 

).  ,      

       700 . .   ,  

  - ,     

.

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

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

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

.  . 44      ,

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

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

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



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

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

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

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

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

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

          

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

.

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

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

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

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

 ( - ) 

19  2007 . N 1583/07      

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

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

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

2.  ()

    -   

  -  .    

   ,  ,  

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

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

.

 . 15

:

-  () ;

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

;

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

;

-   ()    

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

;

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

;

-     () 

.

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

 () ,  ():

- , 

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

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

- ,    ,    () 

;

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

   ()   

;

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

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

, 

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

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

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

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

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

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



 . 2 . 11      .  

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

 2003 .  100 . .,  2006

.   100%    100 . .,    100

.  190 . - 90% .    2007 .  190 . .

 400 .  90%   100 .  400

.  ,   2008 .      100%

 700 . .

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

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

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

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

,  (. 2 .

9    ).   ,  

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

, .

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

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

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

.

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

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

,  2 . . 

    400 . .    

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

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

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

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

<1>.

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

21  2009 . N 09-10168/2009-.

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

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

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

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

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

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

        

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

3. 

        :

 "  " " . 4).   

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

,    ()   

   (  )    ,

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

).

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

  (

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

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

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

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

 ().

   <1>   

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

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

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

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

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

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

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

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

 () .

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

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

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

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

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

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

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

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

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

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

.

         

 ,   ,  ,    

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

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

: , -24 .



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

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

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

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

.

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

 - -24, 

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

  (. 846  ).      ,

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

 .  846   : "  

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

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

     .    

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

      -24,    

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

4.  ()

    ( ,  )

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

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

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

 <1>.    

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

 .   ,   

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

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<1>         ,  

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

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

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

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

 . 75 .

      

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

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

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

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

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

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

.

          

 .       

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

      

  .    ,

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

  <1>, 

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

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

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<1>        

 . 6.

  . 56     " 

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

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

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

.

  . 75       

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

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

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

        

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

   . 74   . 

:

-      1%   

,    1%     (,

 . 15.26

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

 ( - ), 

 50 . .,  <1>);

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<1> .:  28  2005 . N

40/315-05.

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

;

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

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

;

- ;

- .

 ,       

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

.

      ,    

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

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

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

  " ""      

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

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

     <1>.   ,     . 75

         

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

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

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

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

  . ,    

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

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

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

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

 - .

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<1> .:  18  2007 . N

40/2688-07.

  ,      

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

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

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

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

 29  2004 . N 96- "

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

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

".

        ,

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

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

  , .    ,   

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

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

5. 

.  2004 .   30

 2004 . N 218- "  ".    

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

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

 (. 3, 4 . 5).

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

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

 . 4.

   -    ,

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

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

,    .      

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

  .    

 <1>.

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<1> .: http://www.fcsm.ru/catalog.asp?ob_no=24284.

      .

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

  . 5.53  .      

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

 . 183.

,      (  ),

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

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

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

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

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

 - .

       , 

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

. 

 <1>.

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<1> .: http://ckki.www.cbr.ru.

,     ,    

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

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

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

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

   . 14.29  ,    

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

 .   -  ,

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

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

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

     "  " <1>:

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

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

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

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

.

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<1>  .  :     

    //  .

2007. N 3.

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

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

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

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

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

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

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

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

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

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

 <1>.

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

<1> .:  .    

 // . 2009.

N 4.

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

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

 2008 . 

 .        30

 2007 . N 120 "    

 24    "  . 2  3

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

:

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

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

 <1>;

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

<1> .:      24  2009 . N

40/3837-09   N 40-59188/08-10-412;  -

   16  2008 . N 08-1920/2008   N 53-

10530/2007-3-16;      3  2003

. N 09-2415/03-;    

  13  2008 . N 09-8039/2008-   N 40-66272/07-97-

613.

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

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

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

<1>.

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

<1> .:  14  2009 . N

40/8845-09   N 40-257/09-47;  

 14  2009 . N 09-13415/2009-

 N 40-50308/09-8-404;  12  2009 . N 09-13873/2009-

 N 40-74771/08-62-664.

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

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

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

. , 

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

6. 

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

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

.    ,    

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

. .

  2001 .   2009 .   

    7  2001 . N 117- "

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

 .  2009 .  

  18  2009 . N 190- "

" ( -    ).  

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

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

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

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

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

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

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

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

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

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

  (. 116  , . 2 . 3 . 1   

).  ""  ,    

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

.   ,  ()

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