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Nomukurumbira pa chikwereti bhizimisi

Maererano h. 1 tbsp. 435 CC RF kupa yakanyorerwa imwe kana kupfuura yakananga vanhu mumwe bhidha iri zvakakwana zvakajeka uye inoratidza chinangwa munhu achiita dzaita kuti vakapinda chibvumirano pamwe addressee, ndiani kubvuma.

The chipo vanofanira ane zvose zvinokosha mashoko chesungano.

Rinopa Links kurudyi chake kubva nguva yawo chionekeso pedyo addressee.

Maererano h. 1 tbsp. 438 of Civil Code anoziva kugamuchirwa munhu mhinduro kuti uzodzoka rinotaurwa pamusoro kugamuchirwa wayo. Maererano h. 3 tbsp. 438 of Civil Code munhu akagamuchira mukana mukati nguva hwakagadzwa kugamuchirwa kwayo, chiito ezvidzidzo izvi mamiriro ake chibvumirano (mabasa, anoshanda uye kuripwa runoenzanirana mari, etc.) runoonekwa kuva kugamuchirwa, kana zvimwe inopiwa mutemo, mamwe mabasa zvemitemo, kana zvinoratidzwa chikumbiro.

Saka, murayiro anopa itsanangudzo nzira nokuda kwemamiriro zvibvumirano - ne kugamuchira zvinowanika.

nzira Izvi zvinoshandawo pane musango rwezvemabhengi mabasa.

Sezvo tsika inoratidza Banks dzinowanzotaura chimiro ichi pakupera chikwereti zvibvumirano. Uye chimiro ichi kakawanda akashandiswa achivaratidza uye SERVICING makadhi.

Pane nyaya zvibvumirano kubudikidza kugamuchirwa tenders mu anomukweretesa? Ndezvipi zvinhu zvakafanira kuteverwa kuti kuziva chibvumirano akapedzisa?

Chii Bank anotyora dzevanhu uye kodzero dzevanhu? Chii muhondo kodzero kukurukura nyaya iyi?

Nokuti makadhi kubhangi mutengi (anokwereta) Zvinotora kubhangi mashoko kuti amupe akaundi kadhi. Ichi chikumbiro chimiro, kushanda chimiro (mu mabhanga siyana, gwaro iri ane zita yakasiyana) vanoonekwa kupa.

Zvechokwadi, mashoko aya anogona sechinhu chipo.

Maererano h. 1 tbsp. 435 CC RF kupa anofanira ane zvose zvinokosha mashoko chesungano. Essential Pakuurayiwa chikwereti chibvumirano zviri Art. 30 Federal Mutemo "On Banks uye Banking Basa".

Kana tikatarisa gwaro iri (chirevo anokwereta), tinogona kuona kuti gwaro rine, uye uwandu chikwereti chacho, uye chikwereti izwi uye chimbadzo pamusoro zvikwereti, uye hunhu ukama, uye kunyange zvinosanganisira mashoko zvose anomukweretesa uye anokwereta. Huri kupa ndiyewo basa vemapato ari huye default.

Nokudaro, zviri pamutemo uye vakaratidza kuti chikumbiro Profile kana zvimwe gwaro zvokudya nokuda anokwereta kupa kubhangi chikwereti anogona sechinhu chipo tichitarisa maawa. 1 tbsp. 435 of Civil Code.

Chii huri kupa anokwereta infringes ake Kodzero dzevanhu? Nei mabhanga kurishandisa chimiro ichi panguva kwemamiriro chikwereti chibvumirano kuti kadhi rechikwereti basa.

Kukurira nyaya iyi zvinokosha kutaura uye kuongorora pfupiro mukwereti.

Funga chipo anokwereta CJSC Bank "Russian Standard".

The chipo waiti anokwereta anobvuma mashoko ake sezvo chikumbiro uye anobvunza Bank kugumisa nayo zvakavhenganiswa chibvumirano, zvinhu zvacho:

1. Vhura ake akaundi kuitika;

2. Release rake zita pamahombekombe kadhi;

3. Uye haana zvakawanda dzinofunga Tera kuti rakavhurika akaundi iri zvarayirwa Art. 850 of Civil Code.

We funga vaitaura izvi zvizere.

1. Nyaya Bank ano nyaya.

Maererano Art. 845 kubva Civil Code of akaundi chibvumirano kubhangi anobvuma kugamuchira uye mbiri nhoroondo rakazaruka parutivi yeGmail.END_STRONG (nhoroondo pedhi), mari kutevedza mirairo yeGmail.END_STRONG kutapurirana uye issuance pakati dzazvinogara mari kubva munhoroondo uye kuitisa zvimwe kwema pamusoro nhoroondo.

Maererano h. 2 tbsp. 846 of Civil Code kubhangi vanosungirwa kugumisa chibvumirano ine yeGmail.END_STRONG kubhengi, akaita zvakataurwa kuvhura account kubhengi akazivisa kuti kuzarurwa nenhoroondo iyi mhando ezvinhu kuti zvinodiwa zvaitaurwa mutemo uye yakasimbiswa maererano rwezvemabhengi mitemo.

Nokudaro, muparamende kunotipa pfungwa yokuti kana anokwereta anopiwa chipo kuna Bank kuti kugumisa naye chibvumirano kuti kubhengi, ipapo Bank vanosungirwa kugumisa chibvumirano ine yeGmail.END_STRONG kubhengi, umutendeusire yakadaro kuroorwa. Saka, zviri pachena kuti iyi kana mubvunzo haasi pamusoro mukuru ezvinhu kusaina chibvumirano mukati zvinoreva Articles 435, h. 3438 of Civil Code, uye nyaya fanira kwemamiriro chibvumirano

Fanira kuti kusaina chibvumirano nokuzviisa pasi mukana inodzora Art. 445 of Civil Code.

Maererano h. 1 tbsp. 445 of Civil Code, mune zviitiko apo, sezvakatenderanwa Civil Code kana zvimwe mitemo bato, iyo anoshandira kugoverwa (gwaro chibvumirano), chibvumirano mhedziso, hazvo, kuti bato ravo achapa mumwe bato chiziviso kwokubvuma kana kuramba kwokubvuma kana kubvuma chikumbiro pane dzimwe ezvinhu (dzakati nokusawirirana kuti gwaro kondirakiti) mukati memazuva makumi matatu kubva musi okutambirwa kudzidza.

Uyu ndiwo mumwe anokosha nyaya mutemo. A nyaya inokosha iyi nyaya hunodzorwa kwemitemo (Art. 445 of Civil Code), saka mukuru nemitemo mutemo (Art. 3 of Art. 438 of Civil Code) anofanira kushandisa insofar sezvo havasi nezvinodiwa hwevatambi nemitemo.

Saka, zvinoitika kuti mukati 30 mukarenda mumazuva Bank vanosungirwa kutumira mutengi chiziviso kwokubvuma mutsamba zvichiratidza uwandu pamahombekombe Nhoroondo yeGmail.END_STRONG (panyaya apo Bank akabvuma iri nemhosva-anokwereta).

Zvisinei, mabhengi pasinei nomurau uyu mutemo wehurumende hakuiti kuudza mutengi pamusoro nhoroondo nhamba, pamusoro kugamuchirwa kwavo, uye kugamuchirwa zvinofanira kufungwa kuita mabasa avo, izvo raanotaura kugoverwa, kureva zvinoitwa kuvhura rokubhengi. Mukuwedzera, makadhi pachavo vanouya vatengi tsamba chete tsamba uye pashure 3-6 mwedzi, zvinenge.

2. Kuti musunungure zita anokwereta yarwo kadhi.

chinhu ichi chiri zvavo - chinhu chakanaka kwazvo nyore nokuda kwezvikonzero zvinotevera.

Achitaura zvakare - vachiri kuna JSC Bank "Russian Standard". Rine Bank Terms uye bhangi kadhi mabasa. Pano, vasina ziso kuona kuti kunyange wenyaya gwaro, uyewo kutaura nezvazvo uye tichipa anokwereta, ndiro zita kubhengi kadhi.

Uye worudzii kadhi iri? Pashure pezvose, makadhi kuuya munzira dzakawanda - receivables, zvikwereti, Payroll, dhisikaundi, etc. Uyezve, kutevera zviri chikumbiro mu CJSC Bank "Russian Standard" Bank of anokwereta anokumbira kugumisa nayo zvakavhenganiswa chibvumirano pamepu. Chibvumirano pamepu - pasina tsananguro kworudzii kadhi iri. Nechekare muna Treaty musoro, musoro General Conditions of webhanga kadhi iri kutyora mutemo, nokuti zviri magwaro hazvibviri kuona hunhu pamutemo ukama Bank.

The chipo waiti kuti anokwereta zvachose vakabvumirana verenga uye anobvuma zvinoenderana Terms uye Conditions, kuti mutero urongwa. Zvisinei, zvichipesana zvinoreva Data slovochetaniya h. 1 tbsp. 435 kubva Civil Code, sezvo kugoverwa anofanira zvine zvinokosha Pakuurayiwa chibvumirano, pane zvinokosha Pakuurayiwa chibvumirano inofanira vasiyana kupfupiro. Mukuwedzera, muna chipo kusingajekeswi - chii chaizvo Terms of makadhi bhangi vakaverenga mukwereti, nezvakataurwa musi, chii vakaisa chiito uye nguva kururama kwemashoko General Terms izvi uye Conditions. Kuongororwa tsika chinoratidza kuti apo Bank istrebuesh zvinyorwa izvi (the General Conditions, mutero chirongwa) ndiro, kazhinji, kuti mukuru mamiriro aya, mutero urongwa haasi kukodzera mutengi siginicha.

Ongorora mamiriro ano, mubvunzo unomuka mudare - asi vamwe ezvinhu uye mutero chirongwa yakanga briefed pamusoro anokwereta? The chipo haritauri musi chaiwo ezvinhu anokwereta hausi siginicha. Asi matare nekutya kunge Kudzimwa zvavo zvisarudzo kumatare yakakwirira hanya nezvaidiwa iyi yomurayiro, uye kupa mutengi chikumbiro (mukwereti) ukoshi.

Zvisinei, sezvo kuonekwa kubva kumusoro, kunyange General Conditions kana mutero urongwa haisi yakasainwa maererano nemhosva, zvinyorwa izvi haana kutakura musi wavo wokugamuchirwa, uyo vakagamuchira. Uye maererano nemitemo jurisprudence gwaro rakadaro haagoni kunzi uchapupu, sezvo harina dzinokosha zvinodiwa izvo zvavakatemerwa nemurairo kuti uchapupu hwakadaro.

3. akabatsira kuvhura rokubhengi iri zvarayirwa Art. 851 of Civil Code

Maererano Art. 850 of Civil Code muzviitiko apo, sezvakarehwa chibvumirano pakati akaundi, kubhangi anoita mari munhoroondo, pasinei kushaya mari (chikwereti nhoroondo), kubhangi anoonekwa kupa mutengi ane mbiri yakakodzera mari kubva musi muripo kwakadaro.

Heinoi mhinduro yemibvunzo yose iyi. Akadzika makadhi uye kuita pamwe anokwereta Treaty pamusoro Card, kuti Bank anoshandisa yakasiyana zvachose mamiriro ezvinhu pane mamiriro ezvinhu chikwereti chibvumirano.

Kutaura zvazviri, chikwereti chibvumirano kwete. Pane chibvumirano kuti kubhengi uye achirumbidza nhoroondo.

Akashama ziso pakarepo pachena kuti huru che ichi yakavhenganiswa pamusoro kadhi kondirakiti chibvumirano kuti rokubhengi.

Saka, mukati zvinoreva mutemo kuva kujeka uye zviri pachena kuti mukwereti hazvina basa, kuti Bank akapiwa chipo uye kugamuchirwa akaita, kureva, zviito raanotaura chikumbiro. Anokwereta hazvina basa kana nhoroondo kuzarurwa, kana nokuiswa mari kuchikwama ake. Main anokwereta munhu rakanyorwa chiziviso maererano Article 445 kubva Civil Code.

Zvisinei, Bank haaendese munhu ziviso. Saka, zvinofanira kuitwa?

Zvinosuruvarisa panyaya iyi pane zvakawanda, pane zvakasiyana pfungwa maonero. Murayiro asingagoveri chero basa nokuti chokwadi chokuti Bank anenge akarasikirwa kupedza imwe rakanyorwa ziviso kuti anokwereta yezvinotaurwa nhamba. kureva Banks, pasina kuzivisa mashoko yeGmail.END_STRONG wakakodzera mumatare wava, haangavi nemhosva, uye napavazhe kumira parutivi nemabhengi, asi sezvo kuonekwa kubva Kuongororwa mitemo iyi - chibvumirano chakadaro asingadi dzinoenderana sezvakarayirwa kwemamiriro zvibvumirano hazvigoni kuonekwa ari musungwa kunyora.

Izvi runoratidzwa chete ane ruzivo tsamba yacho RF kubva 05.05.1997, № 14 "Review of chisarudzo munyaya chokuita mhedziso, nadzurudzo uye kugumiswa zvibvumirano." Maererano netsamba iyi ruzivo, Federal Antimonopoly Service of Russian Federation akati kuti, kana munhu chiziviso kugamuchirwa (nhoroondo nhamba kwatiri) haana kugamuchira panguva - mugumisiro chikumbiro haichashandi uye vakadaro chibvumirano hakunganzi kupera.

Pfungwa iyi maonero zvinoreva mirayiro yevagari mutemo uye netsika zvebhizimisi.

Zvisinei mugwaronhau Sac hazvigoni kunzi kwemitemo haisi murairo, uye kwemitemo, kureva, mutemo - kwete chengetedza nyaya iyi.

Ndiro huru kurwisana mutemo panyaya.

Zvisinei, zvaitaura mubvunzo zvakataurwa chikwereti chibvumirano, asi pane achirumbidza Maakaundi Okubhengi.

Banks anobata zvinotevera zvinzvimbo kumatare. Vanoti kadhi vakauya tsamba kwauri, uye iwe unodana kubhangi, kusashanda izvozvo, vakatora mari, mari inoshandiswa. How kupa mari, saka kamwe paine - the vemungano ezvinhu. Banks kutora nzvimbo kuti Activate kadhi, kunyange pashure activation pamusoro kadhi vasati vadzokera mari kubva ATM, asi - hapana kufarira hachiverengerwi.

Zvisinei, uku Banks zvinopesana nyaya yacho Civil Code.

Ngatikurukurei zvizere.

Sezvambotaurwa, maererano chibvumirano pakati akaundi, kubhangi anobvuma kugamuchira uye zvikwereti nhoroondo rakazaruka parutivi yeGmail.END_STRONG (nhoroondo pedhi), mari kutevedza mirairo yeGmail.END_STRONG kutapurirana uye issuance pakati dzazvinogara mari kubva munhoroondo uye kuitisa zvimwe kwema pamusoro nhoroondo.

Saka, kana Bank Transfers mari yayo kusvikira kadhi iri nemhosva (ake akaundi), zvinofungidzirwa kuti mari yakapiwa. Uye mumamiriro akadai ezvinhu activation kadhi - anova maturo zvachose. Mubhengi akabvuma yeGmail.END_STRONG wacho pa, akazarura rokubhengi ine kadhi rakasungirirwa kuzarura rokubhengi kuti kadhi, bhanga kuchinjirwa kubhengi kadhi (eg akaundi), mari (kureva yatinonamata rokubhengi). . Maererano chikumbiro, Article 438 Part 3 Civil Code, anotaurwa kubudikidza Bank - Chibvumirano pamepu watopiwa yakasainwa, uye nokudaro vava kushanda zvose zvayo pfungwa (chimbadzo, fines, Zvirango). Sei mumamiriro ezvinhu akadaro vanoda kadhi activation, uye chii rinopa? Kumibvunzo iyi hapana mhinduro asi.

Zvisinei, chii chinoitika rakatevera, pashure zvose zviito kuti Bank anazvo, maererano anokwereta wacho pa. Zvino kubhangi kadhi anosvika tsamba kubudikidza zvavo tsamba.

Chii chinoitika?

Maererano Russian mitemo ano zvinoita achipfeka kuti vagari vose vanoziva murayiro. Kusaziva murayiro pembedzo. Saka, ngatirambei kufunga kuti vose vanoziva mutemo. Zvadaro, zvine musoro, zvinotevera kunoitika. The anokwereta anogamuchira mubhengi kadhi bukletik - sei kushandisa kadhi iri (mirayiridzo kushandiswa). The kadhi haitauri kuti kadhi. In bukletik yakaratidza chero kushandisa ATMs, nokuti sei nguva yakareba wakabudiswa, zvokuita kana ATM "vakaporeswa" kadhi, sei kuwana PIN - code, etc. Words pamusoro chikwereti haisi zvachose.

Saka, anokwereta anoziva kuti akaita anopa kwemamiriro map, asi ziviso zvakanyorwa pamusoro nhoroondo nhamba haana kugamuchira. Nokudaro, anokwereta musoro anotenda kuti chikumbiro yakabviswa chibvumirano iri akagumisa. Uye kadhi iri tsamba mukwereti nekupedza Inoona sezvo Bank kuti anopa pamusoro mhedziso ane mubereko isina chikwereti chibvumirano.

Sei? Nokuti munofanira ane zvose zvinokosha mashoko chesungano. In bukletik - Nokuraramisa mirayiridzo - kana pamusoro chimbadzo kana upenyu chikwereti kana rendi haritauri shoko. Naizvozvo - kunyange mubereko-isina chikwereti.

Mukuwedzera, bhengi kadhi akauya tsamba pashure 3-6 mwedzi mubhadharo nokuda anokwereta kutora Mutengi chikwereti (Equipment chikwereti). Uye anokwereta akagamuchira kadhi iri tsamba, sezvo kuti nehana anozadzika ayo mitoro anoona kadhi sezvo yakavimbika mutengi kadhi. Mumamiriro ezvinhu akadaro, uye vanova chikwereti pasina mubereko.

Zvakare - zvakare, kuburikidza kudana Bank, uye simba kadhi iri (kureva vakaita kugamuchirwa). Naizvozvo, anokwereta anofanira kuripa huru uye chibvumirano anofanira vakafunga kuti kuzadziswa.

Saka, kutanga pfupiro anokwereta asina chinhu kutumira neposvo akaundi kadhi.

Ndiro basa kuti kutsausa pamusoro zvivako uye kunaka kubhengi wacho mabasa.

In mhedziso Ndinoda kutaura.

Zvinokosha kufunga kuti panguva ino vokubhengi havachasungirwi kutumwa romukova kadhi. Kana makadhi zvakadaro havana kutyora kodzero vatengi - vava vokubhengi kurega purofiti zvakanaka pabasa rake? Mhinduro kumibvunzo iyi, ndinofunga, iwe taura iwe.

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