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

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    ,  
   ",     
 <1>.
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<1> .:  11  2009 .
 N 79-8113/2008.
 . 3, 
       ,

. , ,
, 
, , - .
        
    ,      
.     ,   
  ,   -    
 .    , 
  .    
 . 30.

,      

 <1>. .
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<1> .:     11 
2008 . N 04-5595/2008(11481-03-8).
, 
     ,  
 ,     
     ,
   .   ,  
, ,    ,  
   ,   
 <1>.
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<1> .:      20  2009 . N
11153/08.  20  2008 . N 11153/08, 
    ,   ,  
      ,
    ,    
.
       
, . 
    -    ,
    .     
, , 
 <1>.
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<1> .:  14  2009
. N 04-4037/2009(10168-45-23);    
 16  2009 .  N 12-904/2009; 
 3  2007 .  N 64-5521/06-16.
. 6      ,
    . 
:
- ,  . 1 2 .
6, ,      ,   
     . ( . 1 . 6 
);
-  ,  . 4 . 6, , 
        
,      . ( . 4 . 6
);  , . 5 , 
     
.
     
.
. 1 . 5       
  : "...  
    , 
, -
     , 
    ".  
       , 
. 
          ,
          
 - 
.
  . 1 . 5    
.
        
    ,  
   , 
    ,   
      
 . 2 . 5).
,      
.
§ 2. 
1. 
 : PRESSI ( HERSON )
  . . 4.1   27  1992 . N
4015-1 "      " ( -
    )   
:
- ;
- ;
- ;
- ;
- ;
- ;
- .
 - , ,
     -   
 ,        
. :
-    ,  ,
;
-        
, ;
-  - 
 "", "" . 
.
 "".    ,  
      "",   
   ,  . 4.1  
.
, 
 . . 938     ""
 "   .  - 
     ,    
,  - , 
, 
, .
        ""
    .  "" - 
 :  
 . 6).
 - 
    29  2007 . N
286- "" ( - ) 
        
.
, 
. 
, .
 . 4.1
, , ,
     ,  
        
 "" .
. 
: . 
    -   , 
      . . 4
       
.
, , :
- , ,
 ();
-    ,  ,  
  (     ,
).
, ,
:
-  ,     (
);
-       
);
-     (
).
      
,   " ",   
 ,   ,    
.  . 929
, 
.
, , , 
    ,    
          
, 
.
2. 
  .   - 
 ,      
.  . 3 . 25, 
      , 
      ,  
 - .
    , 
      . 
,      . 2 . 52    
.
 : PRESSI ( HERSON )
 . 2 . 6, 
:
- ;
-  ();
- ;
- ;
- ;
- ;
-    
.
       
:  ""   " ". 
       .
,  "", 
       ,  
   .  ,
   ,    
 (
).   -  ,   
   ( ,  )
.
  ,    "" 
  "  "
, 
"  "
". , "  "   
  , .  ,  
   ,    
  .  "  " 
.
     .  32.9
      , 
 23  .    
   ,     
    (  ).  
    
".
     
    ,     -
     .  
:  23 
, , , 
?
       ,
     . ,   
,   - 
      ,   
  . ,    
   ,     ,
      . 
   , 
         ,  
.
  ,  
 ,   , ,   ,   ,
        ,   
 ,   . , ,   
    ,    , 
    ,      . 
    
,     
       . 
   ,    
.
    . 
 ,        ,
.     ;  
,      
.       
 ,     .
, 
, .      
, -
 -  (. 171).
       
, .
       
.
,      
      - 30 . .;
 ,   " 
",      ,  
,  "", - 
 60 . . <1>.
--------------------------------
<1>          
  ,    
.
,     
       
:
- ;
-    ,    
;
-     
;
 : PRESSI ( HERSON )
-    ,    
.
 ,     .
     , 
, .
       
 .  
       
 (),  -
.
        
      
    .  
, .
       
 ,      
.
3. 
  -     .
.
        
 ,    2007 .    
.    ,     
    ,   
,     .   
      
 ,   ,  ", 
   ,   
" <1>.
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<1> . 2009. N 2.
   -  . 
         

 <1>, .
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<1> .:  1  2008
.  N 26-1620/2008. 
 , 
.
       
:
-       
       
 . 3 . 7);
-          
       
    ,   
 . 8 . 8).
, .
     
.
      
    .    
     <1>,    
.
--------------------------------
<1> .:      10 
2009 . N 19-9959/08-12-02-608/09.

,         
.
      ,
   ,    
.
       
, , 
.
4. 
. : 
   .     :  
       
,       .
      , 
      ,
 - .
 . 2 . 8      
 - 

    ,  

, , 
  .  ,   
, .
:
-   ,    , 
;
- 
,   ,   
  , , ;  , 
 : PRESSI ( HERSON )
, 
;
-      ,  
;
- , 
     
      
.
    
.
       . 

    .      
      . 
      
.
    ,   
,    
   .   , ,  
,    . 
.
     .  
      ,      
, , 
.   ,  ,  
.
 .     
       , .  -
    .   
     .  
. 
.
       
 (   ),    
 ) ,       
  . ,       
    . ,  
       . 
    ,   
    .   
, .
     ,     
,       
     
.
5. 
  -   ,   
,    ,  ,
 (. 8.1
).
 -      
    ,   
,   .  
         ,
    . , ,  
,    ,   
.
 ,      
,  ,    : 
.
       
       
  ( ).   
    ,   
 .     , 
.
 :
        ,
.
6. 
, .  . 1 . 14
  ,      
 ,       
  ,    . 

 , 
 ,    ,  
. 
       
 <1>. . 
     ,  2009 . 
  .   
   .      
.
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<1> .:    :
http://www.ins-union.ru.
        -
   , 
.     () <1>. 
     . 24   "
    
 : PRESSI ( HERSON )
  • 2008 — 2025 «СтудМед»