{"id":43870,"date":"2011-12-08T12:11:14","date_gmt":"2011-12-08T10:11:14","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=43870"},"modified":"2011-12-08T21:58:52","modified_gmt":"2011-12-08T19:58:52","slug":"tuketiciye-kkdf-mujdesi","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=43870","title":{"rendered":"T\u00fcketiciye KKDF m\u00fcjdesi"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Konya T\u00fcketici Mahkemesi, Karatay Kaymakaml\u0131\u011f\u0131 T\u00fcketici Sorunlar\u0131 Hakem Heyeti Ba\u015fkanl\u0131\u011f\u0131’n\u0131n, t\u00fcketici kredilerinde KKDF (Kaynak Kullan\u0131m\u0131 Destekleme Fonu) oran\u0131ndaki art\u0131\u015f\u0131, art\u0131\u015ftan \u00f6nce t\u00fcketici kredisi \u00e7eken m\u00fc\u015fterisine yans\u0131tan bankay\u0131, “fazla \u00f6deme olan 649,52 TL’nin iade edilmesine” mahkum eden karar\u0131n\u0131 onad\u0131.\u00a0<\/p>\n

Konya T\u00fcketici Mahkemesi, Karatay Kaymakaml\u0131\u011f\u0131 T\u00fcketici Sorunlar\u0131 Hakem Heyeti Ba\u015fkanl\u0131\u011f\u0131’n\u0131n, t\u00fcketici kredilerinde KKDF (Kaynak Kullan\u0131m\u0131 Destekleme Fonu) oran\u0131ndaki art\u0131\u015f\u0131, art\u0131\u015ftan \u00f6nce t\u00fcketici kredisi \u00e7eken m\u00fc\u015fterisine yans\u0131tan bankay\u0131, “fazla \u00f6deme olan 649,52 TL’nin iade edilmesine” mahkum eden karar\u0131n\u0131 onad\u0131.<\/p>\n

Davac\u0131 avukat\u0131 \u00d6mer Ar\u0131c\u0131, Aa muhabirine yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, m\u00fcvekkili Veysi B’nin, t\u00fcketici kredilerindeki KKDF kesinti oran\u0131 y\u00fczde 10 iken bir bankan\u0131n Konya \u015eubesi’nden 16 Eyl\u00fcl 2010’da 60 ay vadeli 38 bin lira kredi \u00e7ekti\u011fini, kredi \u00e7ekildikten yakla\u015f\u0131k 1,5 ay sonra ise 28 Ekim 2010’da Bakanlar Kurulu karar\u0131yla KKDF kesinti oran\u0131n\u0131n y\u00fczde 15’e \u00e7\u0131kar\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

M\u00fcvekkilinin krediyi kesinti y\u00fczde 15’e \u00e7\u0131kmadan \u00f6nce \u00e7ekmesine ra\u011fmen, bankan\u0131n aradaki y\u00fczde 5’lik fark\u0131 649,52 TL olarak krediye yans\u0131tt\u0131\u011f\u0131n\u0131 ifade eden Ar\u0131c\u0131, m\u00fcvekkilinin bu fark\u0131n iade edilmesi talebiyle hukuk m\u00fccadelesi ba\u015flatt\u0131\u011f\u0131n\u0131 ve 8 Kas\u0131m 2010’da Karatay Kaymakaml\u0131\u011f\u0131 T\u00fcketici Sorunlar\u0131 Hakem Heyeti Ba\u015fkanl\u0131\u011f\u0131’na ba\u015fvurdu\u011funu an\u0131msatt\u0131.<\/p>\n

Ar\u0131c\u0131, Hakem Heyeti’nin 10 Aral\u0131k 2010’daki karar\u0131nda m\u00fcvekkilini hakl\u0131 buldu\u011funu, “Resmi Gazete ile y\u00fcr\u00fcrl\u00fc\u011fe giren KKDF kesintisinin y\u00fczde 10’dan y\u00fczde 15’e \u00e7\u0131kar\u0131lmas\u0131n\u0131n banka ile akdedilen s\u00f6zle\u015fmeye ayk\u0131r\u0131 oldu\u011fu, s\u00f6zle\u015fmeye t\u00fcketicinin iradesi d\u0131\u015f\u0131nda, kendisi ile m\u00fczakere edilmeden ve tek tarafl\u0131 olarak m\u00fcdahale edildi\u011fi, kredi akdedilmesi tarihi ile kazan\u0131lm\u0131\u015f hakk\u0131n do\u011fdu\u011fu ve yap\u0131lan i\u015flemin 4077 Say\u0131l\u0131 T\u00fcketici Kanununa ayk\u0131r\u0131 oldu\u011fu” gerek\u00e7eleriyle Veysi B’nin yapm\u0131\u015f oldu\u011fu fazla \u00f6demenin kendisine iade edilmesine karar verdi\u011fini belirtti.<\/p>\n

Bu karar\u0131n ard\u0131ndan bankan\u0131n Konya T\u00fcketici Mahkemesi’ne itiraz ba\u015fvurusu yapt\u0131\u011f\u0131n\u0131 dile getiren Avukat Ar\u0131c\u0131, mahkemenin bankan\u0131n ba\u015fvurusunu reddederek,\u00a0“kesilen miktar\u0131n iadesi, hen\u00fcz kesilmeyen miktar\u0131n iptali” y\u00f6n\u00fcnde karar verdi\u011fini bildirdi.<\/p>\n

Karar\u0131 de\u011ferlendiren Ar\u0131c\u0131, \u015funlar\u0131 kaydetti:<\/p>\n

“T\u00fcketici Mahkemesi’nin karar\u0131 kesin ve Yarg\u0131tay yolu kapal\u0131. T\u00fcketici kredisi \u00e7eken herkesi yak\u0131ndan ilgilendiren karar, emsal te\u015fkil edecektir. T\u00fcrkiye’nin her yerinden bizi ar\u0131yorlar. Hala devam eden binlerce dava var. \u00c7ekilen kredi tutar\u0131na g\u00f6re kredilere yans\u0131t\u0131lan KKDF oranlar\u0131 farkl\u0131l\u0131k g\u00f6steriyor. Benzer durumdaki t\u00fcketiciler sonuna kadar haklar\u0131n\u0131 aramal\u0131.”<\/p>\n

-“\u0130lk karar”-\u00a0<\/strong><\/p>\n

T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 Mustafa Din\u00e7 de karar\u0131n temyiz yolunun kapal\u0131 oldu\u011funu vurgulayarak, “Banka bug\u00fcne kadar tahsil etti\u011fi miktar\u0131 t\u00fcketiciye \u00f6deyecek, hen\u00fcz tahsil edilmeyen ancak kredi taksitlerine yans\u0131t\u0131lan k\u0131s\u0131m ise iptal edilecek” dedi.<\/p>\n

Benzer durumdaki t\u00fcketicilerin bu karar\u0131 emsal g\u00f6stererek hakem heyetlerine ba\u015fvurabilece\u011fini vurgulayan Din\u00e7, t\u00fcketicilerin 4-5 ay i\u00e7erisinde paralar\u0131n\u0131 geri alabileceklerini s\u00f6yledi.<\/p>\n

Din\u00e7, karar\u0131n t\u00fcketiciler ad\u0131na kazan\u0131lm\u0131\u015f yeni bir zafer oldu\u011funa dikkati \u00e7ekerek, \u015f\u00f6yle konu\u015ftu:<\/p>\n

“KKDF kesintileriyle ilgili Hakem Heyeti baz\u0131nda benzer birka\u00e7 karar vard\u0131. Bu karar, T\u00fcketici Mahkemesi baz\u0131nda ilk olma \u00f6zelli\u011fini ta\u015f\u0131yor. Bir \u00e7ok konuda t\u00fcketicilerin hukuki m\u00fccadelelerini devam ettirmeleri gerekiyor. Elektrik faturalar\u0131ndaki kay\u0131p-ka\u00e7ak oranlar\u0131 ve kredi kart\u0131 aidatlar\u0131 gibi konularda t\u00fcketiciler haklar\u0131n\u0131 aramal\u0131. T\u00fcketicilere dernek olarak elimizden gelen yard\u0131m\u0131 yapmaya her zaman haz\u0131r\u0131z.”<\/p>\n

Kaynak : Haberler.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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Konya T\u00fcketici Mahkemesi, Karatay Kaymakaml\u0131\u011f\u0131 T\u00fcketici Sorunlar\u0131 Hakem Heyeti Ba\u015fkanl\u0131\u011f\u0131’n\u0131n, t\u00fcketici kredilerinde KKDF (Kaynak Kullan\u0131m\u0131 Destekleme Fonu) oran\u0131ndaki art\u0131\u015f\u0131, art\u0131\u015ftan \u00f6nce t\u00fcketici kredisi \u00e7eken m\u00fc\u015fterisine yans\u0131tan bankay\u0131, “fazla \u00f6deme olan 649,52 TL’nin iade edilmesine” mahkum eden karar\u0131n\u0131 onad\u0131. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-43870","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/43870","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=43870"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/43870\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=43870"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=43870"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=43870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}