Kahramanmara\u015f\u2019ta 36 ay vadeyle bir bankadan kredi \u00e7eken t\u00fcketici, 3. ayda borcunu kapat\u0131nca T\u00fcketici Hakem Heyetine ba\u015fvurarak sigorta poli\u00e7e bedelinin iadesini ald\u0131.<\/p>\n
Bankadan \u00e7ekti\u011fi 36 ay vadeli krediyi 3 ay sonra \u00f6deyen t\u00fcketici, kendisinden tahsil edilen 680 TL 96 kuru\u015fluk hayat sigortas\u0131 poli\u00e7e bedelinin de iadesini istedi. Banka paran\u0131n tamam\u0131n\u0131 \u00f6demeyince vatanda\u015f T\u00fcketici Hakem Heyetine ba\u015fvurdu. Oniki\u015fubat Hakem Heyeti, konuyu bilirki\u015fiye inceleterek de\u011ferlendirdi. Yap\u0131lan de\u011ferlendirme sonras\u0131nda eksik olan di\u011fer k\u0131sm\u0131n t\u00fcketiciye \u00f6denmesine karar verildi.<\/p>\n
T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 Nesih Tanr\u0131verdi, \u2019\u2019\u00d6ncelikle bir hususun alt\u0131n\u0131 \u00e7izmekte fayda var, kredi t\u00fcr\u00fc ne olursa olsun t\u00fcketicilere zorla sigorta yapt\u0131r\u0131lmas\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun\u2019a ayk\u0131r\u0131d\u0131r. Yasaya g\u00f6re sigorta yapt\u0131r\u0131labilmesi ancak t\u00fcketicinin a\u00e7\u0131k bir talebi ile m\u00fcmk\u00fcn olmaktad\u0131r. Bankalar \u00e7ok profesyonel bir \u015fekilde davranabiliyorlar ve yasa maddelerinin arkas\u0131ndan dolan\u0131p, hakem heyetlerini, hatta yarg\u0131 organlar\u0131n\u0131 aldatabiliyorlar\u2019\u2019 dedi.<\/p>\n
\u2019\u2019Heyet t\u00fcketicinin talebini kabul etti\u2019\u2019<\/p>\n
Bankalar\u0131n s\u00f6zde yasaya uyduklar\u0131n\u0131 belirten Tanr\u0131nverdi, \u2019\u2019Hi\u00e7bir talebi yokken t\u00fcketicinin \u00f6n\u00fcne bir ka\u011f\u0131t uzat\u0131p a\u00e7\u0131k bir talep varm\u0131\u015f gibi kendisinden bir yaz\u0131 al\u0131yorlar ve g\u00fcya b\u00f6ylelikle yasaya uygun hareket etmi\u015f oluyorlar. Olay\u0131m\u0131zda t\u00fcketicimiz de b\u00f6yle bir i\u015flem sonucu hayat sigortas\u0131 yapt\u0131rm\u0131\u015f olmal\u0131 ki, krediyi kapat\u0131r kapatmaz hayat sigortas\u0131n\u0131 da sonland\u0131rmak istiyor. Krediyi kapatt\u0131\u011f\u0131 tarihten sonraki d\u00f6neme ait prim tutar\u0131n\u0131n iadesini istiyor. Banka bir miktar \u00f6deme yap\u0131yor ancak \u00fccretin tamam\u0131n\u0131 iade etmesi gerekiyor. Hayat sigortas\u0131n\u0131n yapt\u0131r\u0131lmas\u0131, t\u00fcketiciye dayat\u0131lmas\u0131 yasaya ayk\u0131r\u0131d\u0131r. T\u00fcketici asl\u0131nda hayat sigortas\u0131 ad\u0131 alt\u0131nda kesilen b\u00fct\u00fcn \u00fccretin iadesini talep etmeliydi. T\u00fcketici kesintinin yasal oldu\u011funu d\u00fc\u015f\u00fcnm\u00fc\u015f olacak ki bir k\u0131sm\u0131n\u0131 talep etmi\u015f ve heyette bu talebi yerinde bulmu\u015f\u2019\u2019 ifadelerini kulland\u0131.<\/p>\n
\u2019\u2019Bankalar\u0131 yasal \u00e7izgiye getirmeye davet ediyoruz\u2019\u2019<\/p>\n
Vatanda\u015flara uyar\u0131larda bulunan Nesih Tanr\u0131verdi, \u2019\u2019Ne t\u00fcr bir kredi kullan\u0131rsan\u0131z kullan\u0131n size zorla sigorta yapt\u0131r\u0131lmak istendi\u011finde bu talebi kabul etmeyin. Sigorta yapt\u0131rmad\u0131\u011f\u0131n\u0131zda bankalar kredi vermek istemezse bu kez hem ticaret il m\u00fcd\u00fcrl\u00fcklerine hem de Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumuna \u015fikayet edin. 6502 Say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun\u2019un 29. ve 38. maddelerine g\u00f6re t\u00fcketicinin talebinin a\u00e7\u0131k talebi olmaks\u0131z\u0131n sigorta yapt\u0131rmas\u0131 yasakt\u0131r ve yasan\u0131n ceza h\u00fck\u00fcmleri ba\u015fl\u0131kl\u0131 maddesine g\u00f6re 29. ve 38. maddeleri ayk\u0131r\u0131 davrananlara her bir s\u00f6zle\u015fme i\u00e7in 2014 y\u0131l\u0131 fiyatlar\u0131na g\u00f6re 1000 TL idari para cezas\u0131 uygulanmas\u0131 gerekir. Ticaret il m\u00fcd\u00fcrl\u00fc\u011f\u00fcne m\u00fcracaat edildi\u011finde il m\u00fcd\u00fcrl\u00fc\u011f\u00fc denet\u00e7ileri konuyu yerinde tespit edip cezai m\u00fceyyide uygulayacaklard\u0131r. Son d\u00f6nemlerde bankac\u0131l\u0131k sekt\u00f6r\u00fc ile ilgili \u015fikayetlerde bir art\u0131\u015f oldu\u011funu g\u00f6zlemliyoruz. Yasaya ayk\u0131r\u0131 davran\u0131\u015flarla t\u00fcketicilerin tek tek m\u00fccadele etmesi m\u00fcmk\u00fcn de\u011fildir. Bu nedenle \u00fclke genelinde Ticaret Bakanl\u0131\u011f\u0131n\u0131, yerelde de Ticaret \u0130l M\u00fcd\u00fcrl\u00fc\u011f\u00fcn\u00fc re\u2019sen denetim yapmaya, bankalar\u0131 yasal \u00e7izgiye getirmeye davet ediyoruz\u2019\u2019 diye konu\u015ftu.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00dcKET\u0130C\u0130LER B\u0130RL\u0130\u011e\u0130 GENEL BA\u015eKAN YARDIMCISI NES\u0130H TANRIVERD\u0130, VATANDA\u015eLARA UYARILARDA BULUNDU.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[1075,14893,24330,4955,592,42481,4335,37670],"class_list":["post-174631","post","type-post","status-publish","format-standard","hentry","category-genel","tag-aldi","tag-bedelini","tag-borcunu","tag-erken","tag-geri","tag-kapatip","tag-kredi","tag-police"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-JqD","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/174631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=174631"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/174631\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=174631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=174631"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=174631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}