T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan\u0131 Mahmut \u015eahin, m\u00fc\u015fterinin onay\u0131 d\u0131\u015f\u0131nda ger\u00e7ekle\u015fen i\u015flemler nedeniyle olu\u015fabilecek t\u00fcm zarardan bankan\u0131n sorumlu oldu\u011funu bildirdi.<\/p>\n
Kayseri\u2019de emekli memur Tuncay Tarhan, kendisini telefonla arayan ki\u015finin doland\u0131r\u0131c\u0131 oldu\u011funu anlayarak konu\u015fmay\u0131 sonland\u0131rd\u0131.<\/p>\n
Onay vermedi\u011fi halde hesab\u0131ndan para \u00e7ekildi\u011fini fark eden Tarhan, durumu bankan\u0131n m\u00fc\u015fteri hizmetlerine bildirerek gerekli tedbirlerin al\u0131nmas\u0131n\u0131 talep etti.<\/p>\n
Banka yetkilileriyle g\u00f6r\u00fc\u015fmesinden yakla\u015f\u0131k 5 saat sonra doland\u0131r\u0131c\u0131lar taraf\u0131ndan ba\u015fka bir hesaba transfer edilen 30 bin liras\u0131n\u0131n \u00e7ekildi\u011fini \u00f6\u011frenen Tarhan, hukuki m\u00fccadele ba\u015flatt\u0131.<\/p>\n
Bilirki\u015fi raporunda Tarhan\u2019\u0131n herhangi bir onay vermemesine ve paran\u0131n \u00e7ekildi\u011finin belirtilmesine ra\u011fmen t\u00fcketici mahkemesi, zarar\u0131n yar\u0131 yar\u0131ya kar\u015f\u0131lanmas\u0131na karar verdi.<\/p>\n
Tarhan, bu karar sonras\u0131 davay\u0131 B\u00f6lge Adliye Mahkemesine ta\u015f\u0131d\u0131.<\/p>\n
\u2018G\u00dcVENL\u0130\u011e\u0130 BANKA TAHS\u0130S ETMEL\u0130\u2019<\/b><\/p>\n
T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan\u0131 \u015eahin, Tarhan\u2019\u0131n herhangi bir onay vermedi\u011fi halde 30 bin lira doland\u0131r\u0131ld\u0131\u011f\u0131n\u0131 anlatarak, bu tip olaylarda g\u00fcven tahsis etmesi gereken taraf\u0131n banka oldu\u011funu s\u00f6yledi.<\/p>\n
Bankalar\u0131n doland\u0131r\u0131c\u0131l\u0131k olaylar\u0131na kar\u015f\u0131 t\u00fcm tedbirleri almas\u0131 gerekti\u011fini vurgulayan \u015eahin, \u201cM\u00fc\u015fteri ya da t\u00fcketicinin g\u00fcven tesis etme gibi bir zorunlulu\u011fu yoktur. Korunmaya ihtiyac\u0131 olan t\u00fcketici, korumas\u0131 gereken sistemin sahipleridir. Bankac\u0131l\u0131k Kanunu\u2019nun 76. maddesi \u2018T\u00fcketicinin her t\u00fcrl\u00fc sorunu, m\u00fc\u015fterinin b\u00fct\u00fcn sorun ve sorular\u0131yla alakal\u0131 \u00e7\u00f6z\u00fcm mercii ve bunlara cevap vermesi gereken bankad\u0131r\u2019 der. Bankaya sorumluluk ba\u015fta verilmi\u015ftir\u201d dedi.<\/p>\n
\u015eahin, bir vatanda\u015f\u0131n herhangi bir i\u015flem yapmamas\u0131na ra\u011fmen 30 bin lira zarara u\u011frad\u0131\u011f\u0131n\u0131 anlatarak, \u015funlar\u0131 kaydetti:<\/p>\n
\u201cBir t\u00fcketicinin bir kamu bankas\u0131ndaki \u00fcstelik ek hesap dedi\u011fimiz hesab\u0131ndan kendisinin haberi olmadan limiti art\u0131r\u0131larak para \u00e7ekiliyor. \u00dcstelik kendisine bir \u015fifre, bir onay kodu g\u00f6nderilmemesine ra\u011fmen \u00e7ekiliyor. Daha sonra banka uyar\u0131l\u0131yor, \u2018iptal edin bunu\u2019 deniyor. Bankan\u0131n iptal etme yetkisi var. Bankalar aras\u0131 i\u015flemde bu tarz uygunsuz i\u015flemlerde hemen m\u00fcdahale etme \u015fans\u0131 var. \u0130ki tarafa da bloke koyabiliyorlar. Bunu koymad\u0131\u011f\u0131 i\u00e7in banka zaten sorumlu.\u201d<\/p>\n
\u2018ZARARI Y\u00dcZDE 100 BANKANIN KAR\u015eILAMASI GEREK\u0130R\u2019<\/b><\/p>\n
Bu zarardan tamamen bankan\u0131n sorumlu oldu\u011funu savunan \u015eahin, \u015f\u00f6yle devam etti:<\/p>\n
\u201cT\u00fcketici Mahkemesi, \u2018t\u00fcketici, kendisine ait ve ba\u015fkas\u0131n\u0131n bilmesi m\u00fcmk\u00fcn olmayan \u015fifre, parola bilgilerinin saklanmas\u0131 ve korunmas\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn yerine getirmemesi sebebiyle yar\u0131 yar\u0131ya\u2019 diyor. Yani \u2018bankan\u0131n da sorumlulu\u011fu var\u2019 diyor. \u2018Hem banka sorumlu\u2019 diyor \u2018hem de t\u00fcketici sorumlu\u2019 diyor. \u015eimdi bilirki\u015fi raporu da \u2018burada t\u00fcketicinin bir zafiyeti yok, sistemin zafiyeti var\u2019 diyor. Kanuna g\u00f6re de Yarg\u0131tay i\u00e7tihad\u0131na g\u00f6re de y\u00fczde 100 bankan\u0131n \u00f6demesi gerekirken yar\u0131 yar\u0131ya bir adalet payla\u015f\u0131m\u0131 yap\u0131yorlar. Su\u00e7 bankadaysa, korumas\u0131 gereken bankaysa ve olaydan bir dakika sonra banka uyar\u0131l\u0131p \u2018aman ha bak\u0131n ben bu i\u015flemi yapm\u0131yorum, haberim de yok\u2019 denilmesine ra\u011fmen banka \u00e7\u00f6z\u00fcm bulmam\u0131\u015fsa ve bunu iptal etmemi\u015fse sorumluluk bankan\u0131nd\u0131r. Zarar\u0131 y\u00fczde 100 bankan\u0131n kar\u015f\u0131lamas\u0131 gerekir.\u201d<\/p>\n
BANKAYI UYARMASINA RA\u011eMEN MA\u011eDUR OLDU<\/b><\/p>\n
M\u00fc\u015fteri Tuncay Tarhan da kendisinin telefonla arand\u0131\u011f\u0131nda doland\u0131r\u0131c\u0131 olduklar\u0131n\u0131 kar\u015f\u0131 tarafa s\u00f6ylemesiyle konu\u015fmay\u0131 sonland\u0131rd\u0131klar\u0131n\u0131 s\u00f6yledi.<\/p>\n
Bankay\u0131 bilgilendirmesine ra\u011fmen ma\u011fdur oldu\u011funun alt\u0131n\u0131 \u00e7izen Tarhan, \u015funlar\u0131 kaydetti:<\/p>\n
\u201cBize hi\u00e7 tan\u0131mad\u0131\u011f\u0131m\u0131z birinden bir telefon geldi ve hesab\u0131mdan 3 adet 100 kont\u00f6r \u00e7ekildi\u011fi s\u00f6ylendi. Ben doland\u0131r\u0131c\u0131 olduklar\u0131n\u0131 s\u00f6yleyince telefon kapand\u0131. Bu s\u0131rada ekranda 3 mesaj g\u00f6rd\u00fck, \u2018Hesab\u0131n\u0131zdan 10 bin TL \u00e7ekilmi\u015ftir\u2019, \u2018Hesab\u0131n\u0131z 20 bin TL\u2019ye y\u00fckseltilmi\u015ftir\u2019 ve \u201920 bin TL \u00e7ekilmi\u015ftir.\u2019 3 dakika gibi k\u0131sa bir s\u00fcrede bu i\u015flem yap\u0131ld\u0131.<\/p>\n
Ben m\u00fc\u015fteri hizmetlerini arad\u0131m. Durumu anlatarak, benim d\u0131\u015f\u0131mda ger\u00e7ekle\u015fti\u011fini ve i\u015flemi iptal etmelerini istedim. M\u00fc\u015fteri hizmetleri de bana ertesi g\u00fcn banka \u015fubesine gidip ilgili yere m\u00fcracaat etmemi ve savc\u0131l\u0131\u011fa gidebilece\u011fimi s\u00f6yledi. Ben de \u2018\u00f6ncelikle i\u015flemi durdur ki zarar g\u00f6rmeyelim\u2019 dedim. Kartlar\u0131 ve hesab\u0131 bloke ettirdik. M\u00fc\u015fteri hizmetlerine sordu\u011fumda i\u015flemin ger\u00e7ekle\u015fmeyece\u011fini beyan etti. Daha sonra \u00f6\u011frendim ki para hesab\u0131mdan \u00e7ekilmi\u015f.\u201d<\/p>\n
Tarhan, zanl\u0131n\u0131n yakalan\u0131p ceza almas\u0131na ve su\u00e7u kabul etmesine ra\u011fmen kendisinin ma\u011fdur oldu\u011funu anlatt\u0131.<\/p>\n
Bankan\u0131n y\u00fczde 100 sorumlu oldu\u011funu ve zarar\u0131n tamam\u0131n\u0131 kar\u015f\u0131lamas\u0131 gerekti\u011fini savunan Tarhan, hukuki m\u00fccadeleyi s\u00fcrd\u00fcrd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi. (AA)<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan\u0131 Mahmut \u015eahin, herhangi bir onay vermedi\u011fi halde ger\u00e7ekle\u015fen doland\u0131r\u0131lma olaylar\u0131nda g\u00fcvenli\u011fin banka taraf\u0131ndan tahsis edilmesi gerekti\u011fini ve zarar\u0131n tamam\u0131n\u0131n banka taraf\u0131ndan kar\u015f\u0131lanmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n","protected":false},"author":1,"featured_media":104780,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[936,12853,641,3113,2790],"class_list":["post-104779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-bankanin","tag-islem","tag-sorumlu","tag-tuketici"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=104779"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104779\/revisions"}],"predecessor-version":[{"id":104781,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104779\/revisions\/104781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/104780"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=104779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=104779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=104779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}