Калининградский ВТБ проиграл суд о плате по страховке при выдаче кредитов

Фото rugrad.eu

{"ID":"1085108","~ID":"1085108","TAGS":"ВТБ, арбитражный суд, роспотребнадзор, кредиты, представления, нарушение, страхование, услуги","~TAGS":"ВТБ, арбитражный суд, роспотребнадзор, кредиты, представления, нарушение, страхование, услуги","NAME":"Калининградский ВТБ проиграл суд о плате по страховке при выдаче кредитов","~NAME":"Калининградский ВТБ проиграл суд о плате по страховке при выдаче кредитов","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"1355","~IBLOCK_SECTION_ID":"1355","DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Тринадцатый арбитражный суд Санкт-Петербурга оставил в силе решение Арбитражного суда Калининградской области об отказе местному филиалу банка ВТБ, который пытался признать незаконным постановление регионального управления Роспотребнадзора с представлением об устранении условий административного правонарушения при выдаче кредитов. Апелляционная жалоба банка осталась без удовлетворения, решение суда первой инстанции вступило в законную силу.\u003Cbr\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В мае 2018 года Роспотребнадзор, отреагировав на обращение потребителя, на 10 тыс. руб. оштрафовал ВТБ и обязал банк устранить в документах условия, ущемляющие права заемщиков. В частности, после подписания договора и составления анкеты-заявления ВТБ взимал плату в размере 58 тыс. руб. за подключение к программе коллективного страхования.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В пресс-службе банка ВТБ RUGRAD.EU заявляли, что «Роспотребнадзор не запрещает Банку брать плату за страхование и в документе решения нет подтверждений обратному». В апелляционной жалобе было указано, что банк предоставляет услуги по подключению к программе страхования на добровольной основе. При этом принятие решения о выдаче кредита и согласование его условий не поставлено в зависимость от волеизъявления клиента по данному вопросу.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «Из\u0026nbsp;договора потребительского кредита, заключаемого банком, не\u0026nbsp;следует, что условие о\u0026nbsp;праве банка на\u0026nbsp;уступку прав требования по\u0026nbsp;договору третьим лицам согласовывалось при подписании договора. В\u0026nbsp;пункте 13 не\u0026nbsp;содержится графы (отметки) о\u0026nbsp;возможности выбора заемщиком согласиться или запретить уступку кредитором третьим лицам прав (требований) по\u0026nbsp;договору потребительского кредита (займа). Банком не\u0026nbsp;представлены доказательства того, что заемщик мог повлиять на\u0026nbsp;содержание указанного условия, так как договор является типовым с\u0026nbsp;заранее определенными банком условиями»,\u0026nbsp;— говорится в\u0026nbsp;решении суда.\u003Cbr\u003E\r\n\u003C\/p\u003E\r\n \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\u003Cp\u003E\r\n \u003Cbr\u003E\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Тринадцатый арбитражный суд Санкт-Петербурга оставил в силе решение Арбитражного суда Калининградской области об отказе местному филиалу банка ВТБ, который пытался признать незаконным постановление регионального управления Роспотребнадзора с представлением об устранении условий административного правонарушения при выдаче кредитов. Апелляционная жалоба банка осталась без удовлетворения, решение суда первой инстанции вступило в законную силу.\u003Cbr\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В мае 2018 года Роспотребнадзор, отреагировав на обращение потребителя, на 10 тыс. руб. оштрафовал ВТБ и обязал банк устранить в документах условия, ущемляющие права заемщиков. В частности, после подписания договора и составления анкеты-заявления ВТБ взимал плату в размере 58 тыс. руб. за подключение к программе коллективного страхования.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В пресс-службе банка ВТБ RUGRAD.EU заявляли, что «Роспотребнадзор не запрещает Банку брать плату за страхование и в документе решения нет подтверждений обратному». В апелляционной жалобе было указано, что банк предоставляет услуги по подключению к программе страхования на добровольной основе. При этом принятие решения о выдаче кредита и согласование его условий не поставлено в зависимость от волеизъявления клиента по данному вопросу.\u0026nbsp;\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t «Из\u0026nbsp;договора потребительского кредита, заключаемого банком, не\u0026nbsp;следует, что условие о\u0026nbsp;праве банка на\u0026nbsp;уступку прав требования по\u0026nbsp;договору третьим лицам согласовывалось при подписании договора. В\u0026nbsp;пункте 13 не\u0026nbsp;содержится графы (отметки) о\u0026nbsp;возможности выбора заемщиком согласиться или запретить уступку кредитором третьим лицам прав (требований) по\u0026nbsp;договору потребительского кредита (займа). 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