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

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

   . , , 

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

 (. . 7) .

, , .

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<1> .:    :

http://www.autoins.ru/index.wbp.

   ,     

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

,     . , 

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

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

 <1>.

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

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

2009 , .       3 

2009 .

.  - 

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

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

,   , .  . 

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

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

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

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

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

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

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

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

7. 

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

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

   . 4 . 30     ,

:

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

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

;

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

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

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

;

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

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

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

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

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

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

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

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

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

    -   

 (), .

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

,        ,   

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

.

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

, 

  ,   ,  ,

 - .

   . 1 . 30     ,

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

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

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

;

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

;

- .

        . 

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

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

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

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

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

. , 

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

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

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

 <1>.

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

<1> .:  9  2007 . N -

40/5013-07 -     ,   

       

" .

, 

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

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

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

   ,   ,  , 

   ,       , 

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

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

, . "". 

.

      

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

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

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

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

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

.

     ,    :

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

 (, 

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

.

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

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

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

    ,    

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

,  <1>.

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

<1> .:      23  2007 . N

40/6842-07-.

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

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

. 

     .   

.

8. 

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

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

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

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

 ( . "surveyor")   , 

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

,      . 10 . 2 . 293 

  ( -  ).       

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

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

.

  ( . "commisair d'avaries") 

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

        (. 10 . 2

. 293).

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

      . 

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

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

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

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

 (, ).

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

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

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

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

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

§ 3. 



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

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

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

, .

1. 

  .   ,    

,  "", "

  ", "  ", "". 

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

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

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

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

.

      . 2   

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

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

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

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

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

- ;

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

.

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

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

, .

 -  ,     . 

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

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

 . 22

.

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

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

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

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

 ." (. 149 ). 

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

  , . ,   

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

  (. 2     ).   

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

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

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

   , .  , 

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

.

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

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

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

,   . 51.2    

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

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

 . 51.2. 

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

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

:

-  () ,

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

 <1> (

 3 . .);

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<1> .:      

, .     18  2008 . N 08-12/ //

. 2008. N 19.

-       

<1>      ()  , 

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

 ( -  <2>);

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<1> .

<2> . . 2.1.

-        

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

   10      ()  

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

        300 . ., 

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

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

 3 . .

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

, .  .   

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

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

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

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

.

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

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

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

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

 <1>.

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<1> .:  .    

 // . 2008. N 7.

 .        

 "      

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

    , -  

  5  1998 . N 44 <1>.     

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

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<1> . 1998. N 9.

  3  42 22  1996

 N 39- "" 

:

1. ,      

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

     

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

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

 ( - ),

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

)  () 

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

.

2. ,       

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

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

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

3. ,       

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

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

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

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

.

4. 

 1  1999 

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

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

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

     

".

2. 





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

, .

  24 

2007 . N 07-50/ <1> :

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

<1> . 2007. N 23.

-  - 5 . ., 

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

, - 35 . .;

-   - 10 . .,    

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

, - 35 . .;

-  - 10 . .;

-   - 40 . .,    

 - 200 . .,

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

, - 200 . .;

-  - 60 . .,  1  2009 . - 100 . .;

-  - 60 . .;

-  - 100 . .,  1  2009 . - 120 . .;

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

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

      - 30 .

.,  1  2009 . - 40 . .

 1  2010 .   30  2009

. N 09-29/ <1> :

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

<1> . 2009. N 40.

-  ()  ()  -

35 . .,  1  2011 . - 50 . .;

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

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

, - 60

. .,  1  2011 . - 80 . . 

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

, - 200 . .,  1  2011 . -  250 .

.;

-  - 250 . .,  1  2011 . - 300 .

.;

-  - 100 . .,  1  2011 . - 150 . .;

-  - 150 . .,  1  2011 . - 200 . .;

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

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

, - 60 . .,  1  2011 .

- 80 . .  ,     

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

.

3. 

.  . 3,

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



.

 . 2 . 3 -      -

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

.  1996 ., 

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

       (. )

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

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

.

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

       11

 1999 . N 9 <1>.

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

<1> . 2000. N 4.

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

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

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

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

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

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

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

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

. 3 . 3, 

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

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

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

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

 () .

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

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

;

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

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

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

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

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

 . 3

. 3).

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

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

),      (),  

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

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

.

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

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

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

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

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

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

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

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

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

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

    .     

.

      

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

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

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

 <1>.

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

<1> ., :      10

 2002 . N 40/6531-02.

       

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

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

,   . 6 . 3      

:

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

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

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

;

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

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

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

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

 , . 15.29    

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

.        ,   

 ,     ,      . 4

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

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

    ()     

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

.

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

.

, 

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

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

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

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

    ,    . 

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

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

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

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

       11

 1999 . N 9.

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

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

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

, .

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

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

    ,   . 2  2.1 . 51

    ,       :

 - .

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

-        

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

;

-       . 15.30

 ,         

 3 .  5 . . 

,       1 . .,

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

.

 . ,    

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

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

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

.

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

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

.

 " "   . 4    22

 1991 . N 948-1 "    

" <1>. 

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

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