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mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi; mso-fareast-language:EN-US;} </style> <![endif]--> <p class="MsoNormal"><strong><em>TÜDEF Başkanı Ali Çetin, 'Kart aidatları yasal değil. Mahkeme kararları tüketici lehine. Hakkınızı mutlaka arayın' diyor</em></strong></p> <p class="MsoNormal"> </p> <p class="MsoNormal">Tüketici Dernekleri Federasyonu (TÜDEF) Başkanı Ali Çetin de, bankaların aldıkları kart aidat paralarını geri ödemesi gerektiğini açıkladı.</p> <p class="MsoNormal"><b style="mso-bidi-font-weight:normal"> </b></p> <p class="MsoNormal"><b style="mso-bidi-font-weight:normal">'SÖZLEŞME HAKSIZ'</b></p> <p class="MsoNormal">Takvim'e konuşan Çetin, bankaların son 1 yılda tüketiciden 3.2 milyar lira kart aidatı tahsil ettiğini belirterek, "Aidatların geri alınamayacağı iddia eden bankalar yalan söylüyor. Yargıtay 13. Hukuk Dairesi'nin son kararıyla, 10 yıl geriye doğru aidatları alma imkanı doğmuştur. Kanunda zaman aşımı 10 yıldır" dedi.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Kararın eski kartlar için de geçerli olduğunu ifade eden Çetin, "Kartını daha önce iptal ettirmiş vatandaş, geçmişe dönük ekstrelerini isteyebilir. Eğer banka direnirse banka memuru hakkında yasal işlem yapılır. Hakem heyetlerindeki davaların 1-3 ay arasında sonuçlandığını söyleyen Çetin, çoğunlukla da tüketici lehine karar çıktığını belirtti.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Bankaların sözleşmeleri gerekçe gösterdiğini hatırlattığımız Çetin, şöyle konuştu:</p> <p class="MsoNormal"> </p> <p class="MsoNormal">"Yüksek yargı kararlarında, kanunda haksız şart olmasından dolayı sözleşmenin altına atılan hiçbir imza tüketiciyi zorlayamayacağı belirtiliyor. Çünkü kartı alabilmeniz için size o imzayı attırıyor. Yani şartlı imzalıyorsunuz."</p> <p class="MsoNormal"> </p> <p class="MsoNormal"><b style="mso-bidi-font-weight:normal">İZLENECEK YOL BELLİ</b></p> <p class="MsoNormal">1- Bankanızın müşteri hizmetlerini arayarak, kesilen kart aidatını ödemek istemediğinizi ve bunun geri verilmesini talep edin.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">2- Bu kez bankanın hem genel müdürlüğüne, hem de şubenize dilekçe gönderin. Dilekçeyi iadeli taahhütlü gönderirseniz alan kişinin imzası da elinize gelecektir.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">3- Dilekçeye rağmen hâlâ aidatınız ödenmemişse hukuk yolunu ya da bankayla görüşme yolunu seçeceksiniz.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Bankanızı yeniden arayarak ,'aidatı ödemezlerse kartı iptal edeceğinizi' söyleyebilirsiniz. Bu, genellikle sorunu çözüyor. Bankalar ya aidatı veriyor ya da sizinle pazarlığa başlıyor.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">4- Bütün bunlara rağmen aidatınızı hâlâ alamadınız ve sizden kesilmeye devam ediyorsa, bu kez bulunduğunuz ilçedeki kaymakamlığın hakem heyetlerine gidebilirsiniz.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">5- Hakem heyetlerindeki aidat davalarının çoğunu tüketiciler kazanıyor. Banka, itirazını tüketici mahkemelerine yapıyor. Buradan da genellikle tüketiciler lehine karar çıkıyor</p> <p class="MsoNormal"> </p> <p class="MsoNormal">6- Eğer kredi kartınız eski ve 10 yıllık kadarsa, Yargıtay 13. Hukuk Dairesi'nin son kararı gereğince geriye dönük tüm aidatlarınızı isteme hakkınız da var.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Birden çok kredi kartınız için aynı işlemleri yapabilir ve hepsinin aidatını geri alabilirsiniz...<br /> <br /> <img width="580" height="821" src="/images/upload/File_ashx(1).jpg" alt="" /></p>