{"id":60817,"date":"2012-08-24T18:02:54","date_gmt":"2012-08-24T15:02:54","guid":{"rendered":"http:\/\/epochtimestr.com\/?p=60817"},"modified":"2018-03-28T21:12:00","modified_gmt":"2018-03-28T18:12:00","slug":"kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun","status":"publish","type":"post","link":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun","title":{"rendered":"Kredi \u00c7eken 11 Milyon T\u00fcketici ‘Dosya Masraf\u0131’ \u0130\u00e7in Ba\u015fvursun"},"content":{"rendered":"

Kredi \u00c7ekerken Al\u0131nan Masraf ve Komisyonlar, T\u00fcketiciye \u00d6denecek<\/h1>\n
\"\"<\/a>
T\u00fcketiciler, Dosya masraflar\u0131 i\u00e7in bankalara ba\u015fvursun.<\/figcaption><\/figure>\n

Bankalar\u0131n, t\u00fcketicilerden dosya masraf\u0131 ve komisyon olarak kestikleri \u2018Deli Dumrul\u2019 \u00fccretlerine hakem heyetleri <\/a>kar\u015f\u0131 \u00e7\u0131kt\u0131. Uzmanlar son 10 y\u0131lda kredi \u00e7eken 11 milyon t\u00fcketiciye \u00f6demi\u015f olduklar\u0131 dosya masraflar\u0131n\u0131 geri almalar\u0131 i\u00e7in bankalara ba\u015fvurmalar\u0131n\u0131 \u00f6nerdi.<\/p>\n

G\u00fcmr\u00fck ve Ticaret Bakan\u0131 Hayati Yaz\u0131c\u0131\u2019n\u0131n \u00a0\u2018\u2018Deli Dumrul \u00dccretleri\u2019\u2019 olarak adland\u0131rd\u0131\u011f\u0131 ve kald\u0131r\u0131lmas\u0131 i\u00e7in \u00e7al\u0131\u015fma ba\u015flatt\u0131\u011f\u0131 banka komisyonlar\u0131na emsal olu\u015fturacak \u00a0karar Konya\u2019dan geldi.<\/p>\n

\u00a0Konya\u2019da Bir \u00d6\u011fretmenin Ba\u015fvurusu Emsal Olu\u015fturdu<\/h2>\n

\u00a0Konya Sel\u00e7uklu Kaymakaml\u0131\u011f\u0131 T\u00fcketici Sorunlar\u0131 Hakem Heyeti 2009 y\u0131l\u0131nda bir bankadan 10 bin liral\u0131k t\u00fcketici kredisi \u00e7eken \u00f6\u011fretmen \u015eamil \u00d6zkan\u2019a \u00e7\u0131kar\u0131lan 400 liral\u0131k masraf\u0131n geri verilmesine h\u00fckmetti. Karar\u0131n \u00e7\u0131kmas\u0131n\u0131n ard\u0131ndan \u00d6zkan, bankadan 400 liras\u0131n\u0131 geri ald\u0131.\u00d6\u011fretmen \u015eamil \u00d6zkan\u2019\u0131n hareketi kredi kullanan t\u00fcketicilere umut \u0131\u015f\u0131\u011f\u0131 oldu.<\/p>\n

\u00a0T\u00fcketiciler Birli\u011fi Onursal Ba\u015fkan\u0131 Av. B\u00fclent Deniz\u2019in A\u00e7\u0131klamalar\u0131<\/h3>\n

\u00a0T\u00fcketiciler Birli\u011fi Onursal Ba\u015fkan\u0131 Avukat B\u00fclent Deniz, Yarg\u0131tay\u2019\u0131n ald\u0131\u011f\u0131 kararlar uyar\u0131nca t\u00fcketicilerin geriye d\u00f6n\u00fck 10 y\u0131ll\u0131k s\u00fcreyle bankalar\u0131n kesti\u011fi masraf ve komisyonlar\u0131 alabilece\u011fini s\u00f6yledi. Deniz, kredi kullanan milyonlarca insan i\u015flem masraflar\u0131n\u0131 geri almak i\u00e7in bankalara ko\u015fun, \u00e7a\u011fr\u0131s\u0131nda bulundu.<\/p>\n

Bankalar\u0131n 31 kalem i\u00e7in ald\u0131\u011f\u0131 masraflara y\u00f6nelik hakem heyetine ba\u015fvuran insanlar\u0131n davalar\u0131 kazanmaya ba\u015flad\u0131\u011f\u0131n\u0131 aktaran Deniz, “Bankalar e\u011fer istedi\u011fi masraflar\u0131n nedenini ispatlayamazsa \u00fccretleri geri \u00f6demek zorunda kal\u0131yorlar. Bankalar art\u0131k keyfe keder para talep edemeyecekler. \u0130nsanlar 50-800 lira aras\u0131nda de\u011fi\u015fen bu paralar\u0131 ufakt\u0131r deyip almamazl\u0131k etmesin. Ortalama 5 bin lira kredi \u00e7eken milyonlarca insan\u0131 d\u00fc\u015f\u00fcn\u00fcnce ortaya ak\u0131l almaz rakamlar \u00e7\u0131k\u0131yor” dedi.<\/p>\n

\u00a0T\u00fcketici Yasas\u0131’n\u0131n 10\/a bendine dikkat \u00e7eken Deniz \u015f\u00f6yle devam etti:<\/p>\n

“Burada t\u00fcketicinin \u00f6n\u00fcne konmu\u015f s\u00f6zle\u015fmelerin \u00f6nceden g\u00f6r\u00fc\u015f\u00fclmeden haz\u0131rland\u0131\u011f\u0131 kabul ediliyor. Yasaya g\u00f6re bu tip s\u00f6zle\u015fmelerde t\u00fcketici<\/a> aleyhine olan h\u00fck\u00fcmler yok say\u0131l\u0131yor. Bankalar bunu a\u015fmak i\u00e7in t\u00fcketiciden ayr\u0131 bir ka\u011f\u0131da s\u00f6zle\u015fmeyi okudum anlad\u0131m diye imza al\u0131yorlar. Bu da bankay\u0131 kurtar\u0131yor. Bu al\u0131nan t\u00fcm krediler i\u00e7in ge\u00e7erli.”dedi.<\/p>\n

T\u00fcketiciler Derne\u011fi Onursal Ba\u015fkan\u0131 Engin Ba\u015faran, bankalar\u0131n t\u00fcketiciyi do\u011fru bilgilendirmedi\u011fini belirtti. Ba\u015faran \u015fu noktalara dikkat \u00e7ekti:<\/p>\n

“T\u00fcketicinin bu hakk\u0131 zaten yasalarda vard\u0131. Ancak kamu kurulu\u015flar\u0131 bankalar\u0131n bu masraflar\u0131 y\u0131llard\u0131r almalar\u0131na g\u00f6z yumdu. Yasalar t\u00fcketici lehine hi\u00e7bir zaman uygulanmad\u0131. Masraflar\u0131n geri al\u0131nmas\u0131na ve kredi kart\u0131 aidatlar\u0131n\u0131n geri al\u0131nmas\u0131 gerekti\u011fine dair iki tane yarg\u0131 karar\u0131 var. Masal anlatmas\u0131nlar. 31 kalemde \u00e7\u0131kar\u0131lan masraflar\u0131n geri al\u0131nmas\u0131na kar\u015f\u0131 biraz tepki oldu diye bankalar hemen bir araya geldi ve b\u00fcy\u00fck tepki g\u00f6sterdiler. Ayn\u0131 g\u00fc\u00e7te tepkiyi t\u00fcketiciler de vermeli.”<\/p>\n

Son 10 Y\u0131lda 11 Milyon T\u00fcketici Kredi Kullan\u0131ld\u0131<\/h4>\n

Bankalar Birli\u011fi verilerine g\u00f6re, son 10 y\u0131lda 11 milyon 455 bin ki\u015fi kredi \u00e7ekti. Bunun 273 bin 674’\u00fc ta\u015f\u0131t, 1 milyon 275 bin 920’si konut, 6 milyon 997 bini t\u00fcketici kredilerinden olu\u015fuyor. 2 milyon 503 bin 863 ki\u015fi de di\u011fer kredileri kulland\u0131.<\/p>\n

Nas\u0131l ba\u015fvurulur?<\/h4>\n

\u0130\u015flem masraf\u0131 ad\u0131 alt\u0131nda toplanan ‘Deli Dumrul \u00fccretleri’nin geri al\u0131nmas\u0131 i\u00e7in \u015fu iki yolun izlenmesi gerekiyor:<\/h5>\n

1- Bankaya masraf\u0131n istendi\u011fine dair iadeli taahh\u00fctl\u00fc mektup g\u00f6nderin.<\/p>\n

2- Banka paray\u0131 iade etmezse kaymakaml\u0131kta hakem heyetine gidin. Buraya verilecek dilek\u00e7e sonras\u0131 karar en ge\u00e7 \u00fc\u00e7 ay i\u00e7inde size bildiriliyor.<\/p>\n

Kaynak: Bug\u00fcn Gazetesi<\/p>\n","protected":false},"excerpt":{"rendered":"

Kredi \u00c7ekerken Al\u0131nan Masraf ve Komisyonlar, T\u00fcketiciye \u00d6denecek Bankalar\u0131n, t\u00fcketicilerden dosya masraf\u0131 ve komisyon olarak kestikleri \u2018Deli Dumrul\u2019 \u00fccretlerine hakem heyetleri kar\u015f\u0131 \u00e7\u0131kt\u0131. Uzmanlar son 10 y\u0131lda kredi \u00e7eken 11 milyon t\u00fcketiciye \u00f6demi\u015f olduklar\u0131 dosya masraflar\u0131n\u0131 geri almalar\u0131 i\u00e7in bankalara ba\u015fvurmalar\u0131n\u0131 \u00f6nerdi. G\u00fcmr\u00fck ve Ticaret Bakan\u0131 Hayati Yaz\u0131c\u0131\u2019n\u0131n \u00a0\u2018\u2018Deli Dumrul \u00dccretleri\u2019\u2019 olarak adland\u0131rd\u0131\u011f\u0131 ve kald\u0131r\u0131lmas\u0131 […]<\/p>\n","protected":false},"author":7,"featured_media":55350,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":"","_yoast_wpseo_focuskw_text_input":""},"categories":[519,37],"tags":[],"yoast_head":"\nKredi \u00c7eken 11 Milyon T\u00fcketici 'Dosya Masraf\u0131' \u0130\u00e7in Ba\u015fvursun - The Epoch Times TR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredi \u00c7eken 11 Milyon T\u00fcketici 'Dosya Masraf\u0131' \u0130\u00e7in Ba\u015fvursun - The Epoch Times TR\" \/>\n<meta property=\"og:description\" content=\"Kredi \u00c7ekerken Al\u0131nan Masraf ve Komisyonlar, T\u00fcketiciye \u00d6denecek Bankalar\u0131n, t\u00fcketicilerden dosya masraf\u0131 ve komisyon olarak kestikleri \u2018Deli Dumrul\u2019 \u00fccretlerine hakem heyetleri kar\u015f\u0131 \u00e7\u0131kt\u0131. 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Uzmanlar son 10 y\u0131lda kredi \u00e7eken 11 milyon t\u00fcketiciye \u00f6demi\u015f olduklar\u0131 dosya masraflar\u0131n\u0131 geri almalar\u0131 i\u00e7in bankalara ba\u015fvurmalar\u0131n\u0131 \u00f6nerdi. G\u00fcmr\u00fck ve Ticaret Bakan\u0131 Hayati Yaz\u0131c\u0131\u2019n\u0131n \u00a0\u2018\u2018Deli Dumrul \u00dccretleri\u2019\u2019 olarak adland\u0131rd\u0131\u011f\u0131 ve kald\u0131r\u0131lmas\u0131 […]","og_url":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun","og_site_name":"The Epoch Times TR","article_publisher":"https:\/\/www.facebook.com\/theepochtimestr","article_published_time":"2012-08-24T15:02:54+00:00","article_modified_time":"2018-03-28T18:12:00+00:00","og_image":[{"width":259,"height":195,"url":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/banka-hesab\u0131.jpg","type":"image\/jpeg"}],"author":"D.Alk\u0131n","twitter_card":"summary_large_image","twitter_creator":"@TheEpochTimesTR","twitter_site":"@TheEpochTimesTR","twitter_misc":{"Yazan:":"D.Alk\u0131n","Tahmini okuma s\u00fcresi":"3 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun#article","isPartOf":{"@id":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun"},"author":{"name":"D.Alk\u0131n","@id":"https:\/\/epochtimestr.com\/#\/schema\/person\/68d6c22d0fb4650d2f0b9f7d8f486b58"},"headline":"Kredi \u00c7eken 11 Milyon T\u00fcketici ‘Dosya Masraf\u0131’ \u0130\u00e7in Ba\u015fvursun","datePublished":"2012-08-24T15:02:54+00:00","dateModified":"2018-03-28T18:12:00+00:00","mainEntityOfPage":{"@id":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun"},"wordCount":651,"commentCount":0,"publisher":{"@id":"https:\/\/epochtimestr.com\/#organization"},"image":{"@id":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun#primaryimage"},"thumbnailUrl":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/banka-hesab\u0131.jpg","articleSection":["ED\u0130T\u00d6R\u00dcN SE\u00c7\u0130M\u0130","T\u00dcRK\u0130YE"],"inLanguage":"tr","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun#respond"]}]},{"@type":"WebPage","@id":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun","url":"https:\/\/epochtimestr.com\/index.php\/kredi-ceken-11-milyon-tuketici-dosya-masrafi-icin-basvursun","name":"Kredi \u00c7eken 11 Milyon T\u00fcketici 'Dosya Masraf\u0131' \u0130\u00e7in Ba\u015fvursun - 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