{"id":49305,"date":"2012-03-09T11:58:21","date_gmt":"2012-03-09T09:58:21","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=49305"},"modified":"2012-03-09T13:31:31","modified_gmt":"2012-03-09T11:31:31","slug":"kredi-karti-aidatini-geri-almanin-6-yolu","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=49305","title":{"rendered":"Kredi kart\u0131 aidat\u0131n\u0131 geri alman\u0131n 6 yolu"},"content":{"rendered":"

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Bankalar kredi kart\u0131 aidatlar\u0131n\u0131 \u00f6dememekte direnirken, hukuk tam tersini s\u00f6yl\u00fcyor. T\u00dcDEF Ba\u015fkan\u0131 Ali \u00c7etin, “Kart aidatlar\u0131 yasal de\u011fil. Mahkeme kararlar\u0131 t\u00fcketici lehine. Hakk\u0131n\u0131z\u0131 mutlaka aray\u0131n” diyor.<\/p>\n

\u0130stanbul- T\u00fcketici Dernekleri Federasyonu (T\u00dcDEF) Ba\u015fkan\u0131 Ali \u00c7etin de, bankalar\u0131n ald\u0131klar\u0131 kart aidat paralar\u0131n\u0131 geri \u00f6demesi gerekti\u011fini a\u00e7\u0131klad\u0131.\u00a0<\/p>\n

“S\u00f6zle\u015fme haks\u0131z”\u00a0<\/strong><\/p>\n

Takvim’e konu\u015fan \u00c7etin, bankalar\u0131n son 1 y\u0131lda t\u00fcketiciden 3.2 milyar lira kart aidat\u0131 tahsil etti\u011fini belirterek, “Aidatlar\u0131n geri al\u0131namayaca\u011f\u0131 iddia eden bankalar yalan s\u00f6yl\u00fcyor. Yarg\u0131tay 13. Hukuk Dairesi’nin son karar\u0131yla, 10 y\u0131l geriye do\u011fru aidatlar\u0131 alma imkan\u0131 do\u011fmu\u015ftur. Kanunda zaman a\u015f\u0131m\u0131 10 y\u0131ld\u0131r” dedi.<\/p>\n

Karar\u0131n eski kartlar i\u00e7in de ge\u00e7erli oldu\u011funu ifade eden \u00c7etin, “Kart\u0131n\u0131 daha \u00f6nce iptal ettirmi\u015f vatanda\u015f, ge\u00e7mi\u015fe d\u00f6n\u00fck ekstrelerini isteyebilir. E\u011fer banka direnirse banka memuru hakk\u0131nda yasal i\u015flem yap\u0131l\u0131r. \u00c7\u00fcnk\u00fc bu su\u00e7tur. T\u00fcketici eksterisiyle hakem heyetlerine giderek dilek\u00e7e vermeli” diye konu\u015ftu.<\/p>\n

Hakem heyetlerindeki davalar\u0131n 1-3 ay aras\u0131nda sonu\u00e7land\u0131\u011f\u0131n\u0131 s\u00f6yleyen \u00c7etin, \u00e7o\u011funlukla da t\u00fcketici lehine karar \u00e7\u0131kt\u0131\u011f\u0131n\u0131 belirtti. Bankalar\u0131n s\u00f6zle\u015fmeleri gerek\u00e7e g\u00f6sterdi\u011fini hat\u0131rlatt\u0131\u011f\u0131m\u0131z \u00c7etin, \u015f\u00f6yle konu\u015ftu:<\/p>\n

“Y\u00fcksek yarg\u0131 kararlar\u0131nda, kanunda haks\u0131z \u015fart olmas\u0131ndan dolay\u0131 s\u00f6zle\u015fmenin alt\u0131na at\u0131lan hi\u00e7bir imza t\u00fcketiciyi zorlayamayaca\u011f\u0131 belirtiliyor. \u00c7\u00fcnk\u00fc kart\u0131 alabilmeniz i\u00e7in size o imzay\u0131 att\u0131r\u0131yor. Yani \u015fartl\u0131 imzal\u0131yorsunuz.”<\/p>\n

\u0130zlenecek yol belli\u00a0<\/strong><\/p>\n

1<\/strong>– Bankan\u0131z\u0131n m\u00fc\u015fteri hizmetlerini arayarak, kesilen kart aidat\u0131n\u0131 \u00f6demek istemedi\u011finizi ve bunun geri verilmesini talep edin. E\u011fer kabul ederlerse sorun yok. Etmezlerse ikinci maddeye ge\u00e7in.<\/p>\n

2-<\/strong> Bu kez bankan\u0131n hem genel m\u00fcd\u00fcrl\u00fc\u011f\u00fcne, hem de \u015fubenize a\u015fa\u011f\u0131daki linkte g\u00f6rd\u00fc\u011f\u00fcn\u00fcz dilek\u00e7eyi g\u00f6nderin. Dilek\u00e7eyi iadeli taahh\u00fctl\u00fc g\u00f6nderirseniz alan ki\u015finin imzas\u0131 da elinize gelecektir.<\/p>\n

3<\/strong>– Dilek\u00e7eye ra\u011fmen h\u00e2l\u00e2 aidat\u0131n\u0131z \u00f6denmemi\u015fse hukuk yolunu ya da bankayla g\u00f6r\u00fc\u015fme yolunu se\u00e7eceksiniz. Bankan\u0131z\u0131 yeniden arayarak, “aidat\u0131 \u00f6demezlerse kart\u0131 iptal edece\u011finizi” s\u00f6yleyebilirsiniz. Bu, genellikle sorunu \u00e7\u00f6z\u00fcyor. Bankalar ya aidat\u0131 veriyor ya da sizinle pazarl\u0131\u011fa ba\u015fl\u0131yor.<\/p>\n

4-<\/strong> B\u00fct\u00fcn bunlara ra\u011fmen aidat\u0131n\u0131z\u0131 h\u00e2l\u00e2 alamad\u0131n\u0131z ve sizden kesilmeye devam ediyorsa, bu kez bulundu\u011funuz il\u00e7edeki kaymakaml\u0131\u011f\u0131n i\u00e7indeki hakem heyetlerine gidebilirsiniz. Burada, haz\u0131r dilek\u00e7elere ekstrenizi de ekleyerek \u00fccretsiz \u015fikayet\u00e7i olun.<\/p>\n

5-<\/strong> Hakem heyetlerindeki aidat davalar\u0131n\u0131n \u00e7o\u011funu t\u00fcketiciler kazan\u0131yor. Banka, itiraz\u0131n\u0131 t\u00fcketici mahkemelerine yap\u0131yor. Buradan da genellikle t\u00fcketiciler lehine karar \u00e7\u0131k\u0131yor.<\/p>\n

6-<\/strong> E\u011fer kredi kart\u0131n\u0131z eski ve 10 y\u0131ll\u0131k kadarsa, Yarg\u0131tay 13. Hukuk Dairesi’nin son karar\u0131 gere\u011fince geriye d\u00f6n\u00fck t\u00fcm aidatlar\u0131n\u0131z\u0131 isteme hakk\u0131n\u0131z da var. Birden \u00e7ok kredi kart\u0131n\u0131z i\u00e7in ayn\u0131 i\u015flemleri yapabilir ve hepsinin aidat\u0131n\u0131 geri alabilirsiniz.<\/p>\n

Kaynak : Cumhuriyet Haber Portal\u0131<\/a><\/p>\n

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

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Bankalar kredi kart\u0131 aidatlar\u0131n\u0131 \u00f6dememekte direnirken, hukuk tam tersini s\u00f6yl\u00fcyor. T\u00dcDEF Ba\u015fkan\u0131 Ali \u00c7etin, “Kart aidatlar\u0131 yasal de\u011fil. Mahkeme kararlar\u0131 t\u00fcketici lehine. Hakk\u0131n\u0131z\u0131 mutlaka aray\u0131n” diyor.<\/p>\n

\u0130stanbul- T\u00fcketici Dernekleri Federasyonu (T\u00dcDEF) Ba\u015fkan\u0131 Ali \u00c7etin de, bankalar\u0131n ald\u0131klar\u0131 kart aidat paralar\u0131n\u0131 geri \u00f6demesi gerekti\u011fini a\u00e7\u0131klad\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-49305","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\/49305","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=49305"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/49305\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49305"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}