{"id":6360,"date":"2016-10-04T13:01:03","date_gmt":"2016-10-04T10:01:03","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=6360"},"modified":"2018-07-05T14:56:11","modified_gmt":"2018-07-05T11:56:11","slug":"kredi-cekenlere-kritik-uyari-odediginiz-faizleri-geri-alabilirsiniz","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=6360","title":{"rendered":"Kredi \u00e7ekenlere kritik uyar\u0131! \u00d6dedi\u011finiz faizleri geri alabilirsiniz!"},"content":{"rendered":"<h1 class=\"news-detail-title selectionShareable\">Kredi ve kredi kart\u0131 faizlerini kartel olu\u015fturarak 21 A\u011fustos 2007 ile 22 Eyl\u00fcl 2011 tarihleri aras\u0131nda t\u00fcketiciden fazla faiz tahsil eden 12 banka i\u00e7in hukuki s\u00fcre\u00e7 tamamland\u0131. Banka m\u00fc\u015fterileri, 4 y\u0131lda \u00f6dedikleri fazla paray\u0131 almak i\u00e7in bankaya ba\u015fvurabilecek.<\/h1>\n<div class=\"clear-01\"><\/div>\n<div>\n<p>Kredi ve kredi kart\u0131 faizlerini kartel olu\u015fturarak 21 A\u011fustos 2007 ile 22 Eyl\u00fcl 2011 tarihleri aras\u0131nda t\u00fcketiciden fazla faiz tahsil eden 12 banka i\u00e7in hukuki s\u00fcre\u00e7 tamamland\u0131. Banka m\u00fc\u015fterileri, 4 y\u0131lda \u00f6dedikleri fazla paray\u0131 almak i\u00e7in bankaya ba\u015fvurabilecek ya da tazminat davas\u0131 a\u00e7abilecek.<\/p>\n<p>Rekabet Kurulu\u2019nun, kredi ve kredi kart\u0131 konular\u0131nda birlikte fiyat tespit etmek amac\u0131yla kartel olu\u015fturdu\u011fu gerek\u00e7esiyle 12 bankaya 8 Mart 2013\u2019te kesti\u011fi toplam 1.1 milyar TL idari para ceza ile ilgili hukuki s\u00fcre\u00e7 tamamland\u0131. B\u00f6ylece t\u00fcketicilere uygulanan fazla faizi de geri alma imkan\u0131 do\u011fdu. Kredi puanlar\u0131n\u0131n y\u00fcksek olmas\u0131 ve t\u00fcketicilerden fazla faiz al\u0131nmas\u0131yla ilgili hukuki s\u00fcre\u00e7 \u00a0Ankara 2. \u0130dare Mahkemesi\u2019nin 2015 y\u0131l\u0131n\u0131n ba\u015flar\u0131nda Rekabet Kurulu karar\u0131n\u0131 hukuka uygun bularak, bankalarca a\u00e7\u0131lan iptal davalar\u0131n\u0131 reddetmesiyle banka m\u00fc\u015fterileri lehine geli\u015fti. Ard\u0131ndan da Dan\u0131\u015ftay 13. Dairesi, \u0130dare Mahkemesinin karar\u0131n\u0131n bozulmas\u0131 ve Rekabet Kurul karar\u0131n\u0131n hukuka ayk\u0131r\u0131 oldu\u011funa karar verilmesi i\u00e7in yap\u0131lan temyiz ba\u015fvurusu yap\u0131l\u0131rken, Dan\u0131\u015ftay\u2019\u0131n \u00a0t\u00fcketicinin lehine olan karar\u0131 onayarak karar\u0131 Rekabet Kuruluna tebli\u011f \u00a0etti. Kararla birlikte banka m\u00fc\u015fterisi, 21 A\u011fustos 2007 ve 22 Eyl\u00fcl 2011 aras\u0131nda 12 bankan\u0131n birisinden ald\u0131\u011f\u0131 kredi ve kredi kart\u0131 hizmeti i\u00e7in suni \u015fekilde olu\u015fturulan kartel faizi oran\u0131nda zarar\u0131 hakk\u0131nda 3 kat tazminat davas\u0131 a\u00e7ma hakk\u0131 elde etti.<\/p>\n<p>&nbsp;<\/p>\n<h2>3 KATINA KADAR TAZM\u0130NAT<\/h2>\n<p>Celal Bayar \u00dcniversitesi Ticaret Hukuku Ana Bilim Dal\u0131 \u00d6\u011fretim \u00dcyesi Yrd. Do\u00e7. Dr. Murat \u015eahin \u201cRekabeti ortadan kald\u0131ran bankalar, t\u00fcketiciyi b\u00fcy\u00fck bir zarara u\u011fratm\u0131\u015flar. \u00d6rne\u011fin zarar\u0131n\u0131z 500 TL ise bin 500 TL tazminat alabilirsiniz. 3 kat oran\u0131 de\u011fil ama 3 kat\u0131na kadar tazminat talep edilebilir\u201d dedi.<\/p>\n<p>&nbsp;<\/p>\n<h2>1 M\u0130LYON DAVA A\u00c7ILAB\u0130L\u0130R<\/h2>\n<p>T\u00fcketici Hukuku Enstit\u00fcs\u00fc Ba\u015fkan\u0131 Avukat Hakan Tokba\u015f ise, kendilerine bir ayl\u0131k s\u00fcre\u00e7te kendilerine binin \u00fczerinde dava ba\u015fvurusu geldi\u011fini s\u00f6yleyerek, \u201cAnadolu\u2019da avukatl\u0131k b\u00fcrolar\u0131 bu davalara baks\u0131n diye avukat istihdam etmeye ba\u015flad\u0131. Tahminimiz bankalara 1 milyon dava a\u00e7\u0131laca\u011f\u0131 y\u00f6n\u00fcnde. \u00c7\u00fcnk\u00fc sadece o d\u00f6nemde konut kredisi kullananlar\u0131n say\u0131s\u0131 1 milyon 680 bin ki\u015fi. O d\u00f6nemde toplam kredi alan ki\u015fi say\u0131s\u0131 da 30 milyonu ge\u00e7iyor\u201d dedi.<\/p>\n<p>&nbsp;<\/p>\n<p>Fazla faizin al\u0131nd\u0131\u011f\u0131 d\u00f6neme ili\u015fkin T\u00fcrkiye Bankalar Birli\u011fi verilerine g\u00f6re, 2007-2011 y\u0131llar\u0131nda, 1 milyon 681 bin 795 ki\u015finin konut, 934 bin 538 vatanda\u015f\u0131n ta\u015f\u0131t, 30 milyon 400 bin 254 ki\u015finin ihtiya\u00e7 kredisi kulland\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>Star<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kredi ve kredi kart\u0131 faizlerini kartel olu\u015fturarak 21 A\u011fustos 2007 ile 22 Eyl\u00fcl 2011 tarihleri aras\u0131nda t\u00fcketiciden fazla faiz tahsil eden 12 banka i\u00e7in hukuki s\u00fcre\u00e7 tamamland\u0131. Banka m\u00fc\u015fterileri, 4 y\u0131lda \u00f6dedikleri fazla paray\u0131 almak i\u00e7in bankaya ba\u015fvurabilecek. Kredi ve kredi kart\u0131 faizlerini kartel olu\u015fturarak 21 A\u011fustos 2007 ile 22 Eyl\u00fcl 2011 tarihleri aras\u0131nda t\u00fcketiciden [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[26,97],"tags":[2434,588,80,11091,951,277,3925,953,3926,11230],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6360"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6360"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6360\/revisions"}],"predecessor-version":[{"id":6361,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6360\/revisions\/6361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3300"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}